Home Loan Plus
These are Top Up loans from Utkarsh Small Finance Bank for any uses other than Housing. The loan amount is up to ₹1 crore with a repayment tenure that ranges between 36 to 240 months.
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In order to meet unexpected expenses such as medical emergencies, housing renovation or family vacation, we provide a loan ranging between 2 lakh to 25 lakh.
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It is over and above the existing home loan with Utkarsh Small Finance Bank.
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To be eligible for this loan, the combined LTV of the existing loan and proposed loan should not exceed 75%.
| S.No. | Charge Name | Charges |
|---|---|---|
| i. | Processing Fees | 0.25% to1% of Loan Amount + applicable taxes |
| ii. | Legal and Technical Charge | As per actuals |
| iii. | Cheque /NACH/ SI Bouncing Charges | 300 + Applicable taxes |
| iv. | Pre Closure / Pre Payment Charges (Loan Priced at Fixed Rate of Interest) | 2% + Applicable taxes on principal outstanding of Home Loan Products where end use is Housing 4% + Applicable taxes on principal outstanding of Non Home Loan Products (Home Loan Plus) where end use is not Housing |
| v. | Penal Interest on Overdue EMI | 2% per month on the Overdue EMI |
| vi. | List of Documents Charges | 100 + Applicable taxes |
| vii. | Photo Copy of Property papers | 500 + Applicable taxes |
| 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 |
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Loan calculator
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Interest Rate 8.00% |
Interest Earned 3,50,452 |
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Maturity Value 13,50,452 |
Maturity Date 20 Apr 2023 |
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(Indicative interest rates for calculation only. click here for latest rates.) |
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FAQs
In most cases, we will consider the house property attached to the original loan taken by the customer as the collateral.
The loan amound will disbursed in single tranche.
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