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

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 Upto 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.

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

Different Personal Loan offers by Utkarsh Small Finance Bank

Utkarsh Small Finance Bank Home Loan        utkarsh small finance bank personal 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 in Abroad: the loan amount is up to Rs. 20 lakh.

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 into your existing loan amount.

Utkarsh Bank Personal Loan Status

Utkarsh Small Finance Bank Personal Loan status can be checked through visiting the website.

How to Apply for Utkarsh Small Finance Bank Personal Loan?

You can avail a personal loan, just follow the given steps:

  1. Visit Dialabank and fill the application form.
  2. You will get a call from the bank.
  3. Our representative will guide you through the entire process and tell you the details of the loan.

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

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

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