Utkarsh Small Finance Bank Personal Loan

⋆ Interest Rate 9.99% ⋆

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      Why us?

      Rates as low as 9.99%*
      Loans Up to 30 Lacs
      Same Day Disbursal
      Doorstep Service
      Unbiased Experts Advice

      Utkarsh Small Finance Bank Personal Loan Key Features Jan 2021

      Eligibility Criteria  Details
      Age 21 to 58 yrs ( at loan maturity )
      CIBIL 750
      Utkarsh Small Finance Bank Personal Loan Interest Rate 9.99% per annum 
      Lowest EMI per lakh NIL
      Tenure 12 to 48 months
      Utkarsh Small Finance Bank Personal Loan Processing Fee 1% to 2% 
      Prepayment Charges 4%+ Taxes
      Part Payment Charges 4% of the sum
      Minimum Loan Amount Rs. 1.5 lakh
      Maximum Loan Amount Rs. 10 lakh

      Each Feature Explained in Detail Below


      Utkarsh Small Finance Personal Loan Eligibility Criteria

      Eligibility criteria for a personal loan:

      CIBIL score 750
      Age 21-58yrs (at loan maturity)
      Min Income Rs. 20,000
      Occupation Salaried/Self-Employed

      Utkarsh Small Finance Bank Personal Loan Interest Rate and Charges

      Utkarsh Small Finance Bank Personal Loan Interest Rate 9.99% per annum 
      Utkarsh Small Finance Bank Personal Loan Processing Charges 1% to 2%
      Prepayment Charges 4% + Taxes
      Stamp Duty As per actuals
      Cheque Bounce Charges Rs. 300 + Applicable Taxes
      Penal Interest 2%+ Applicable Taxes
      Floating Rate of Interest NIL

      Utkarsh Small Finance Bank Personal Loan Documents Required

      Form Duly filled application form
      Proof of Identity Copy of:
      > Passport
      > Driving License
      > Aadhar Card
      > Voter ID Card
      Proof of Address Rent Agreement (Min. 1 year of stay)
      Utility Bills
      Passport (Proof of permanent residence)
      Ration card
      Proof of Income > ITR: Last two Assessment years
      > Salary Slip: Last 6 months
      > Bank Statement: Last 3 months

      Utkarsh Bank Personal Loan EMI Calculator

      EMI calculator.

      Utkarsh Small Finance Bank Personal Loan Compared to Other Banks

      Particulars Utkarsh Small Finance Bank HDFC Bank Bajaj Finserv Axis Bank Citibank ICICI Bank
      Interest Rate 9.99% 11.25% to 21.50% Starting from 12.99% 15.75% to 24% Starting from 10.99% 11.50% to 19.25%
      Tenure 12 to 48 months 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months
      Loan amount Up to Rs. 10 lakh Up to Rs. 40 lakh Up to Rs. 25 lakh Rs. 50,000 to Rs. 15 lakh Up to Rs. 30 lakh Up to Rs. 20 lakh
      Processing Fee Up to 2% of the loan amount +Taxes Up to 2.50% of the loan amount Up to 3.99% of the loan amount Up to 2% of the loan amount Up to 3% of the loan amount Up to 2.25% of the loan amount

      Other Loan Products from Utkarsh Small Finance Bank

      Gold Loan Car Loan Home Loan Business Loan
      TWL LAP Credit Card Education Loan

      Why should you apply for Utkarsh Bank Personal Loan with Dialabank?

      Dialabank has the most trusted operators. It is a good reputation bank. If you apply for Utkarsh Small Finance Bank Personal Loan with Dialabank, you will get your loan processing faster.

      How to Calculate EMIs for Utkarsh Bank Personal Loan

      The information required to calculate your Utkarsh Small Finance Bank Personal Loan EMI are:

      1. Loan Amount
      2. Rate of Interest
      3. Tenure

      Put these values in the calculator given on the website and find your monthly EMIs

      Utkarsh Bank Personal Loan Processing Time

      Utkarsh Small Finance Bank Personal Loan Processing Time is the time taken in the processing of your personal loan application.

      Utkarsh Small Finance Bank Personal Loan Preclosure charges

      Utkarsh Small Finance Bank Personal Loan Preclosure is the repayment of the loan amount by you in advance. Preclosure will lower the interest rate of your loan.

      Utkarsh Small Finance Bank Personal Loan Overdraft Facility

      An individual overdraft is a credit office that licenses you to pull out an all-out as and when required. You can in like way repay the got out absolutely at whatever point the condition is ideal. From this time forward, it is maybe the most preferred credit decisions that profited to meet changing individual supporting necessities unbounded.

      Apply for an overdraft office as a Utkarsh Small Finance Bank for a frightening new turn of events. The flexible improvement office has all the goliath features of a slight overdraft credit.

      Pre Calculated EMI for Personal Loan

      Loan Amount (Rs.) and Interest Rate Monthly EMI Payout (Rs.)
      1-year loan tenure 2-year loan tenure 3-year loan tenure 4-year loan tenure
      5 lakh @ 13% p.a. 44,658 23,770 16,846 13,413
      7 lakh @ 14% p.a.  62,850 33,609  23,924 19,128
      10 lakh @ 15% p.a. 90,258 48,486 34,665 27,830

      Utkarsh Small Finance Bank Personal Loan Balance Transfer

      Utkarsh Small Finance Bank Personal Loan Balance Transfer is shifting your loan amount from one institute to another. It helps in lowering the interest rate.

      Utkarsh Small Finance Bank Personal Loan Top Up

      Utkarsh Small Finance Bank Personal Loan Top Up is the additional amount that adds up to your existing loan amount.

      Different Personal Loan offers by Utkarsh Small Finance Bank

      Utkarsh Small Finance Bank Home Loan       

      • Utkarsh Small Finance Bank offers a home loan.
      • Offers home loans for purchasing, renovation, and construction of the home.
      • Maximum loan amount: Rs 1 crore

      Utkarsh Small Finance Bank Personal Loan for Government Employees

      • Utkarsh Small Finance Bank offers a personal loan for Government Employees.
      • The loan amount depends on the company you are in.

      Utkarsh Small Finance Bank Business Loan

      • Utkarsh Small Finance Bank Personal Loan provides a business loan.
      • The loan amount up to Rs. 1 crore.

      Utkarsh Small Finance Bank Personal Loan for Education

      • Utkarsh Small Finance Bank provides a Personal Loan for education.
      • For education in India: the loan amount is up to Rs. 10 lakh.
      • For education Abroad: the loan amount is up to Rs. 20 lakh.

      Utkarsh Small Finance Bank Home Renovation Loan

      Home remodel now beats the need list for the greater part of the borrowers yet subsidies become an impediment all the while. Utkarsh Small Finance Bank Home Renovation Loan is acquainted with get your home restored whether it is repainting or tiling Utkarsh Small Finance Bank credit covers it all.The key highlights of the Utkarsh Small Finance Bank home renovation loan are as follows:

      • The home renovation loan schemes and policies include basic documentation and no-complexity.
      • The Utkarsh Small Finance Bank Home loan is available for both existing and new customers.
      • This individual unsecured loan is available at least an interest rate of 8.00% p.a.
      • The processing fee for the loan is charged at a favorable rate of 0.50% along with added tax.

      Holiday Loan

      A holiday loan is a loan taken against your traveling expenditure. The sum required for your trip is fulfilled by this loan.

      Features of the holiday loan to simply approve fund for your exotic dream vacation:

      • The processing fee is charged at a minimal rate.
      • The interest rate applicable to the Holiday Loan is 11.25% and so on.

      Utkarsh Small Finance Bank Fresher Funding

      The Fresher Funding helps the small and new businesses. The following are the key features that the Utkarsh Small Finance Bank Freshers Funding exhibit:

      • The candidate must be 21 years of age or more.
      • The amount credited is decent.
      • The interest rate charges vary according to the applicant’s profile.

      Utkarsh Small Finance Bank NRI Personal Loan

      Utkarsh Small Finance Bank NRI Personal Loan helps NRI students and businessmen. The important features of the individual loan are as given below:

      • Competitive rates and flexible repayment tenures. 
      • For advance loan disbursal, no security requires.
      • The document proof is mandatory and needs to be attached for both the Indian resident (primary borrower) and the NRI candidate (co-applicant).

      How to Apply Online for Utkarsh Small Finance Bank Personal Loan with Dialabank?

      Utkarsh Small Finance Bank Personal Loan

      You can apply for Utkarsh Small Finance Bank’s Personal Loan online by visiting the Utkarsh Small Finance Bank’s online portal and filling the form for applying for a personal loan, or you can simply follow the given steps for applying for an Utkarsh Small Finance Bank Personal Loan:

      • Visit DialaBank
      • Fill the Application form and submit it.
      • Wait for a call from one of our Relationship Managers who are experts in this field.
      • Get personalized service for availing Personal Loan by comparing between features of various banks and selecting the one that you need. 

      Personal Loan Verification Process

      The following steps are a must after you apply for a Personal Loan in Utkarsh Small Finance Bank which is as mentioned below:

      • Soon after completing the application with Dialabank, the applicant receives a call.
      • The application verification is done over the call.
      • After that documents are asked to submit.
      • Post document submission, second verification takes place.
      • This verification confirms the Loan amount, tenure, and interest rates.
      • Once the bank receives confirmation from the bank, it credits the loan to the account of the customer.

      Check your Utkarsh Small Finance Bank Personal Loan Application Status

      The Utkarsh Small Finance Bank Loan application can be tracked in simple easy steps as follows:

      • You can take a trip to the nearby Bank  Branch and find out the status of the application.
      • From the Utkarsh Small Finance Bank Online website submit your name and reference number.
      • Post Submitting the request you will receive an update regarding your Personal Loan.
      • Use the mobile application, to track your application progress.

      How to Login to Utkarsh Small Finance Bank Portal

      • Navigate through the Utkarsh Small Finance Bank Website.
      • Log in with your Utkarsh Small Finance Bank login ID and Password.
      • Hit the login key and get access to the bank portal easily.

      Utkarsh Small Finance Bank Personal Loan Statement

      • Visit the official website of Utkarsh Small Finance Bank.
      • Navigate through the page and click on the “Register New Loan”.
      • Fill in all the required details and click on the submit.
      • After OTP submission, you will be led to the Statement page.

      Utkarsh Small Finance Bank Personal Loan Restructuring (COVID-19)

      In between of Coronavirus prompted lockdown, The Utkarsh Small Finance Bank showed a drive to reduce the weight on its borrowers. The bank commanded the RBI ban that finished in the period of September. Accordingly, all the borrowers were foreseen to continue back to the past EMI plans. Notwithstanding, the borrowers were as yet in commotion regarding how to reimburse the remarkable with continuous monetary crunches. Considering the unfriendly circumstance Utkarsh Small Finance Bank presented another system that underpins the reason for its borrowers passable by the RBI.

      The alleviation system is pointed toward destressing the borrowers by plunging monetary pressure. This new system gives the borrower freedom to stretch out the reimbursement residency as long as 2 years at specific results. The all-inclusive unwinding will invite an additional financing cost on the exceptional sum and subsequently, the advance will be named as “Rebuilt” in the credit report of the recipient. Bringing about a comment on the borrower’s FICO rating, in this manner, the borrowers are encouraged to choose the instrument in most horrible conditions in any case the reimbursement plans must get the strings as in the past.

      Utkarsh Small Finance Bank Customer Care

      • Via Phone: The customers can reach out to the bank via call on 9878981166
      • Via Chatbox: The chatbox is accessible for any suggestion or query on the official site.
      • Branch Visit: The applicant can visit the bank branch for any information on loan approval.

      Benefits of Applying for Personal Loan on Dialabank

      • 24*7 Availability: When the candidate applies for a personal loan with Dialabank. The customer can easily get in touch with the bank and have 24*7 accessibility.
      • Less Paperwork: While applying for a Personal Loan with Dialabank the applicant goes through a very simple procedure along with the perks of basic documentation.
      • Cost Free Analysis: Dialabank doesn’t charge any fee for the consultation and provides the best deals.
      • EMI Calculator: You can find out the applicable EMI on your Personal Loan with Dialabank’s customer-friendly EMI Calculator that gives accurate EMI Payable on your Personal loan based on the interest rate.

      Important Aspects

      The mentioned below are a few points that should be taken into consideration before you apply for a Personal Loan:

      • Instead of taking a big amount of loan, it’s always advisable to avail the required amount, and payback ability. Keeping the loan amount less and paying it back on time saves you from paying extra interest and lessens the burden. 
      • To avoid the rejection of the loan application, keeping favourable and required credit score is always mandatory. The perfect credit score increases the chances of easy loan sanction. 
      • In a world where you get credit for competitive interest rates, comparing and strong analysis of various financial institution can help you get the best of the deals.  

      FAQs About Utkarsh Small Finance Bank Personal Loan

      How to apply for Utkarsh Small Finance Bank Personal Loan?

      You can apply for a personal loan from Utkarsh Small Finance Bank by visiting the nearby branch of Utkarsh Small Finance Bank or submitting the form with Dialabank. You can get the benefit to apply from anywhere with Dialabank.

      What is the Interest Rate for Utkarsh Small Finance Bank Personal Loan?

      The interest rate for a personal loan from Utkarsh Small Finance Bank starts from 9.99%.

      What is the minimum age for getting a Personal Loan from Utkarsh Small Finance Bank?

      The minimum age required for getting a personal loan from Utkarsh Small Finance Bank is 21 years.

      What is the maximum age for getting a Personal Loan from Utkarsh Small Finance Bank?

      The maximum age for getting a personal loan from Utkarsh Small Finance Bank is 58 years.

      What is the minimum loan amount for Utkarsh Small Finance Bank Personal Loan?

      You can get a minimum amount of a personal loan from Utkarsh Small Finance Bank of Rs. 1.5 lakh.

      What is the maximum loan amount for Utkarsh Small Finance Bank Personal Loan?

      The maximum loan amount for getting a personal loan from Utkarsh Small Finance Bank is up to Rs. 10 lakh.

      What are the documents required for Utkarsh Small Finance Bank Personal Loan?

      The documents required for a personal loan from Utkarsh Small Finance Bank are Aadhaar card, voter ID card, driving license, salary certificate and form number 16, bank statements of last 3 months, ITR files of the last two years.

      What is the Processing Fee for Utkarsh Small Finance Bank Personal Loan?

      The Processing Fee for getting a personal loan from Utkarsh Small Finance Bank is up to 1% to 2%.

      How to get Utkarsh Small Finance Bank Personal Loan for Self Employed?

      Utkarsh Small Finance Bank offers a personal loan for self-employed to help them financially. You have to present the ITR files for the last two years.

      ✅ What is the Maximum Loan Tenure for Utkarsh Small Finance Bank Personal Loan?

      The maximum loan tenure for Utkarsh Small Finance Bank is 48 months for a personal loan.

      What should be the CIBIL Score for Utkarsh Small Finance Bank Personal Loan?

      The CIBIL score for availing a personal loan from Utkarsh Small Finance Bank should be 750 and above.

      Do I have a preapproved offer for Utkarsh Small Finance Bank Personal Loan?

      You can examine your preapproved personal offers from Utkarsh Small Finance Bank with Dialabank. You must visit at Dialabank’s website and get the best-preapproved offer for you.

      How to calculate EMI for Utkarsh Small Finance Bank Personal Loan?

      To calculate your personal loan EMI for Utkarsh Small Finance Bank using EMI calculator available at Dialabank’s website.

      How to pay Utkarsh Small Finance Bank Personal Loan EMI?

      Your personal loan EMIs deducts automatically by Utkarsh Small Finance Bank from your bank account. You can also use the net-banking service of Utkarsh Small Finance Bank for your personal loan payments.

      How to close Utkarsh Small Finance Bank Personal Loan?

      You will pay the outstanding personal loan amount for closing your loan and receive your no dues certificate from the Utkarsh Small Finance Bank branch.

      How to check Utkarsh Small Finance Bank Personal Loan Status?

      You will have to visit the Utkarsh Small Finance Bank branch near you to check your personal loan status. Another way is to connect with Dialabank by filling a form.

      How to close Utkarsh Small Finance Bank Personal Loan Online?

      If you need to close the personal loan from Utkarsh Small Finance Bank, the steps will be followed:

      • Visit the net-banking page of Utkarsh Small Finance Bank.
      • Login by filling your details.
      • Pay your personal loan.
      • Save the transaction receipt.

      How to pay Utkarsh Small Finance Bank Personal Loan EMI Online?

      You can pay your personal loan EMI through the net-banking facility of Utkarsh Small Finance Bank. If you want a low-EMI personal loan, you can connect with the Dialabank by visiting on the website and filling the form.

      How to check Personal Loan Balance in Utkarsh Small Finance Bank?

      You can check the personal loan balance through contact with the customer care number of Utkarsh Small Finance Bank. If you want low-interest personal loans, you can visit Dialabank and fill a simple form for Personal Loan Balance Transfer.

      How to download Utkarsh Small Finance Bank Personal Loan Statement?

      You can use the Utkarsh Small Finance Bank’s mobile banking app for download the personal loan statement. Also, visit the online platform od Dialabank.

      How to Top Up Personal Loan in Utkarsh Small Finance Bank?

      To get a top-up on a personal loan from Utkarsh Small Finance Bank, you will visit the bank branch and contact the loan officer. Also, fill a form with Dialabank at Personal Loan Top Up.

      What happens if I don’t pay my Utkarsh Small Finance Bank Personal Loan EMIs?

      If you don’t pay your personal loan EMIs, then Utkarsh Small Finance Bank will charge a penal interest. To get low-interest personal loans, you can apply for a balance transfer through Dialabank.

      How to find Utkarsh Small Finance Bank Personal Loan account number?

      You will contact your Utkarsh Small Finance Bank branch to find out your account number. Also, fill a form available at Dialabank.

      What relaxation scheme and moratorium Utkarsh Small Finance Bank provides in relation to Personal Loan due to Covid 19?

      The alleviation system is pointed toward destressing the borrowers by plunging monetary pressure. This new system gives the borrower freedom to stretch out the reimbursement residency as long as 2 years at specific results.

      ✅ What is the Processing Fee for Utkarsh Small Finance Bank Personal Loan?

      The processing fee is up to 1%-2%.

      What is the Utkarsh Small Finance Bank personal loan customer care number?

      Contact 9878981166 for any queries.

      What are the Utkarsh Small Finance Bank Personal Loan pre-closure charges?

      Utkarsh Small Finance Bank Personal Loan Preclosure is the repayment of the loan amount by you in advance. Preclosure will lower the interest rate of your loan.

      ✅What is the Utkarsh Small Finance Bank personal loan closure procedure?

      1. Visit the bank with the complete set of documents (as mentioned above).
      2. You may be required to fill a form or write a letter requesting pre-closure of the Personal Loan account.
      3. Pay the pre-closure amount.
      4. Sign the required documents, if any.
      5. Take acknowledgment of the balance amount you have paid.

      ✅What is the Utkarsh Small Finance Bank Personal Loan Overdraft Facility?

      An individual overdraft is a credit office that licenses you to pull out an all-out as and when required. You can in like way repay the got out absolutely at whatever point the condition is ideal. From this time forward, it is maybe the most preferred credit decisions that profited to meet changing individual supporting necessities unbounded.

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