Utkarsh Personal Loan

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Utkarsh Personal Loan

Get Utkarsh Personal Loan with flexible tenure, easy EMIs, low processing fees, and hassle-free approval—perfect for your urgent financial needs.

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Details for Utkarsh Personal Loan

Utkarsh Personal Loan offers flexible repayment options with tenures ranging from 12 to 84 months and easy EMIs. With minimal documentation, hassle-free processing, and quick approvals, it’s ideal for meeting personal financial needs. You can foreclose anytime, repay via NACH/SI, and transfer balances at competitive rates—including credit card dues. With a minimum income requirement of ₹20,000 per month and processing charges up to 2% of the loan amount, this loan combines convenience with affordability.

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Loan Amount

Personal loans starting from 1,50,000/- to 20,00,000/-

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Interest Rate

13% onwards upto 20% per annum.

Age

  • Minimum Age 23 years up to 58 years.

CIBIL Score

  • A CIBIL score of 730 or above is generally considered good for approving a personal loan.

Required Documents

  • KYC ( PAN & Aadhaar proof)
  • 3 Months Salary Slip
  • 6 Months Salary Account Bank Statement

Nature of Employment

  • Individuals working with corporates / Govt organization.

Minimum Monthly Income

  • Minimum net salary ₹ 20,000 and above.

Loan Processing Charges

  • Upto 2% of Loan Amount + Applicable taxes

Minimum Work Experience

  • Minimum job vintage with current employer should be 6 months, overall experience should be at least 2 years.

Features

  • Loan tenure: 12 Months to 84 Months
  • Repayment in easy Equated Monthly Installment (EMI)
  • Foreclosure Allowed during the tenure of the loan
  • NACH/SI allowed for loan repayment
  • Hassle Free Processing
  • The minimum net income criteria is ₹ 20,000 per month for customers
  • Balance transfer at attractive rates including credit card takeover.

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Utkarsh Personal Loan EMI Calculator

Principal amount

₹1,00,000

Interest amount

₹542

Total amount payable

₹1,00,542

Your Monthly EMI is ₹8,379
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