Thinking of availing a Personal Loan to pay off your debts?

Utkarsh Small Finance Bank Personal Loan might just be the right choice for you

Utkarsh Small Finance Bank Personal Loan

This loan is specifically designed for salaried employees of govt. organisations and reputed private organisations to help them get funds to meet their urgent financial needs. This personal loan can also be repurposed into a consolidation loan to pay off their high-interest credit card debts and loans.

Features of Utkarsh Small Finance Bank Personal Loan

Why this Loan?

  • The Utkarsh Small Finance Bank Personal Loan is meant for salaried employees of government units/institutions or reputed private organisations who need funds to meet their personal needs. This loan can also be used to pay off high-interest debts, thereby consolidating debt
  • This is a collateral-free loan

Loan Amount

  • The maximum loan amount offered under this loan scheme is up to Rs. 10 lakh


  • As of October 2020, this information is not mentioned on the bank’s website. Please talk to a bank representative for details


  • This loan must be repaid within 4 years


  • The borrower must be a resident Indian
  • Salaried employees of Public Sector Undertakings, Central Government or State Government units, reputed corporate entities, etc. are eligible for this loan

Security Needed

  • This is a collateral-free loan

Processing Charges

  • The bank charges up to 2.00% of the loan amount for processing this loan

Documents Needed

  • Loan Application Form duly filled and signed by the applicant and co-applicant, if any
  • Two Passport Size Photographs of applicant and co-applicant
  • Personal ID Proof: Aadhaar Card, PAN Card, Passport or Driving License. PAN Card / PAN Card Issuing Letter is must
  • Signature Proof: PAN Card, Banker’s Verification, Driving License or Passport
  • Residential Address Proof (Any One): Aadhaar Card, Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income/Banking Proof for Salaried Professionals: Last 3 months’ salary slip, Form 16 or income tax returns, Last 6 months bank statement

Reference Facts

  • Utkarsh Small Finance Bank Website:
  • Headquarters: Varanasi, Uttar Pradesh
  • Call Centre Toll-Free Number: 1800 180 6878, 1800 208 1788, 1800 123 9878