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.

Avail attractive interest rates. Call now!




1 reward point on every 100 spends on debit card

15% discount


15% discount

1 reward point on every 100 spends on debit card




Cash withdrawal on Utkarsh Bank ATMs

  • 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.

  • It is over and above the existing home loan with Utkarsh Small Finance Bank.

  • 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 Charges on Overdue EMI 2% per month on overdue amount for overdue period along with applicable taxes.
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
Apply to Home Loan Plus

Loan calculator

Amount ()

1 Lac

10 Cr

Tenure ( )

1 Month


Interest Rate (%)



Equated Monthly installments (EMI)


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Deposit Amount
Interest Earned

Interest Rate


Interest Earned


Maturity Value


Maturity Date

20 Apr 2023

(Indicative interest rates for calculation only. click here for latest rates.)


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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Earn interest rates up to 8.50 %* p.a. and 9.10 %* p.a. for Senior Citizens


Get Loan amount upto 10 Crores with Flexible Tenure upto 15 years

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