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  • Utkarsh Lease Secure
  • Micro Enterprise Loan
  • Business Loan
  • BL Secured+
  • Small Business Loan
  • Enterprise Loan
  • Smart Enterprise Loan
  • LAP-Prime
  • Utkarsh Biz Secure
  • Loan for Purchase of Commercial Property
  • Utkarsh Smart Business
Home Business Loans MSME Loans Lease Secure

Utkarsh Lease Secure

Meet your personal or business related requirements with Utkarsh Small Finance Bank's Utkarsh Lease Secure. Avail loan against discounted rental receipts and property. Mortgage your property and get a loan ranging between 500,000 to 250,000,000. The tenure of repayment is between 3 years and 15 years and are offered at an interest rate between 11% to 17% per annum. Rate of Interest (ROI): 11%-17% p.a.

 

  • Benefits
  • Documents required
  • Fee & Charges
  • FAQ
  1. Utkarsh Lease Secure starting from 5,00,000 to 25,00,00,000.
  2. Loan tenure: 36 Months to 180 Months
  3. Repayment in easy Equated Monthly Instalment (EMI)
  4. Foreclosure allowed during the tenure of the loan
  5. NACH/SI allowed for loan repayment
  1. KYC
  2. Application form
  3. Original Property Papers
  4. Lease Agreements/Rent Agreement
  5. Documents as per product norms

S. No

Charge Name

Charges

i.

Processing Fee*

Upto 2% of Loan Amount + Applicable taxes

 

ii.

Account Maintenance Fee (For on MSME Loans up to 5 Lakh)

Upto 2% of Loan Amount + applicable taxes

 

iii.

Pre Closure Charges (Loan Priced at Fixed Rate of Interest)

Pre-Closed by

Pre Closure Charges

Upto 6 Months

6% of outstanding Principal portion of the loan and applicable taxes

During 07 to 24 months

4% of outstanding Principal portion of the loan and applicable taxes

During 25 months to  36 months

3% of outstanding Principal portion of the loan and applicable taxes

More than 36 months

2% of outstanding Principal portion of the loan and applicable taxes

 

 

 

iv.

Part Prepayment Charges (Loan Priced at Fixed Rate of Interest)

 

4% of the Pre-Payment amount towards principal and applicable taxes

 

v.

 

Cheque /NACH/ SI  Bouncing Charges

 

300 + Applicable taxes

 

vi.

Penal Interest on Overdue EMI

 

2% month  on the Overdue EMI for the Overdue Period

vii.

Legal/Valuation Charges

As per actuals

viii.

Duplicate Interest and Principal Certificate issuance Charge

250 + Applicable taxes

 

 

ix.

Duplicate No dues Certificate / NOC issuance Charges

250 + Applicable taxes

x.

Swap Charges (Cheque/Instrument)

500/- per occasion of swapping of the ECS mandate/NACH/ Standing instruction mandate+ Applicable taxes

xi.

Duplicate statement issuance Charges

250/- per instance per set + Applicable taxes

xii.

Charges for subsequent set of Photocopy of loan agreement/ documents where requested by Borrower

250/- per instance per set + Applicable taxes

What’s the loan limit for Utkarsh Lease Secure?
You can apply for a loan starting from 5 Lakhs to 2500 Lakh.
What’s the loan tenure?
The tenure for Utkarsh Lease Secure is between 36 months to 180 months.
Who can apply for Utkarsh Lease Secure?
Individuals, Proprietorship, Partnership Firms, Limited companies (Pvt. Ltd/Public Ltd.) & LLP.
How do I apply for this Loan?
You can either visit your nearest Utkarsh Small Finance Bank’s branch or write to us at communications@utkarsh.bank let us know about your requirement and we will get in touch with you.
  • Benefits
    1. Utkarsh Lease Secure starting from 5,00,000 to 25,00,00,000.
    2. Loan tenure: 36 Months to 180 Months
    3. Repayment in easy Equated Monthly Instalment (EMI)
    4. Foreclosure allowed during the tenure of the loan
    5. NACH/SI allowed for loan repayment
  • Documents required
    1. KYC
    2. Application form
    3. Original Property Papers
    4. Lease Agreements/Rent Agreement
    5. Documents as per product norms
  • Fee & Charges

    S. No

    Charge Name

    Charges

    i.

    Processing Fee*

    Upto 2% of Loan Amount + Applicable taxes

     

    ii.

    Account Maintenance Fee (For on MSME Loans up to 5 Lakh)

    Upto 2% of Loan Amount + applicable taxes

     

    iii.

    Pre Closure Charges (Loan Priced at Fixed Rate of Interest)

    Pre-Closed by

    Pre Closure Charges

    Upto 6 Months

    6% of outstanding Principal portion of the loan and applicable taxes

    During 07 to 24 months

    4% of outstanding Principal portion of the loan and applicable taxes

    During 25 months to  36 months

    3% of outstanding Principal portion of the loan and applicable taxes

    More than 36 months

    2% of outstanding Principal portion of the loan and applicable taxes

     

     

     

    iv.

    Part Prepayment Charges (Loan Priced at Fixed Rate of Interest)

     

    4% of the Pre-Payment amount towards principal and applicable taxes

     

    v.

     

    Cheque /NACH/ SI  Bouncing Charges

     

    300 + Applicable taxes

     

    vi.

    Penal Interest on Overdue EMI

     

    2% month  on the Overdue EMI for the Overdue Period

    vii.

    Legal/Valuation Charges

    As per actuals

    viii.

    Duplicate Interest and Principal Certificate issuance Charge

    250 + Applicable taxes

     

     

    ix.

    Duplicate No dues Certificate / NOC issuance Charges

    250 + Applicable taxes

    x.

    Swap Charges (Cheque/Instrument)

    500/- per occasion of swapping of the ECS mandate/NACH/ Standing instruction mandate+ Applicable taxes

    xi.

    Duplicate statement issuance Charges

    250/- per instance per set + Applicable taxes

    xii.

    Charges for subsequent set of Photocopy of loan agreement/ documents where requested by Borrower

    250/- per instance per set + Applicable taxes

  • FAQ
    What’s the loan limit for Utkarsh Lease Secure?
    You can apply for a loan starting from 5 Lakhs to 2500 Lakh.
    What’s the loan tenure?
    The tenure for Utkarsh Lease Secure is between 36 months to 180 months.
    Who can apply for Utkarsh Lease Secure?
    Individuals, Proprietorship, Partnership Firms, Limited companies (Pvt. Ltd/Public Ltd.) & LLP.
    How do I apply for this Loan?
    You can either visit your nearest Utkarsh Small Finance Bank’s branch or write to us at communications@utkarsh.bank let us know about your requirement and we will get in touch with you.

 

 

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Address:

S-24/1-2, First Floor,
Mahavir Nagar,
Orderly Bazar,
Near Mahavir Mandir,
Varanasi -221002(U.P.) India

Phone:
0542-2500596
1800 180 6878

Email:
communications@utkarsh.bank

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