Utkarsh Grih Sudhar

A home is where the heart is. Your cosy shelter needs a makeover from time to time to ensure it is built to last. See a crack? Peeling paint? Its definitely time for Utkarsh Grih Sudhar!
These loans range between 2,00,000 and 50,00,000 with a repayment tenure that ranges between 36 to 240 months. Avail attractive interest rates on reducing balance.




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

  • We provide Utkarsh Grih Sudhar Loan for the purpose of repair or extension of an existing house or flat.

  • Salaried individual with minimum 3 year's service with 12 months or more in the current job.

  • Self employed/businessmen should have been in the business/profession for a minimum period of 3 years .

  • The entry age of borrower/s shall be less than 60 years for salaried & 65 years in case of self employed at the time of availing the loans.

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

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

250/- per instance per set + Applicable taxes
Apply to Utkarsh Grih Sudhar

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.)


Yes, you may avail the benefit of reduced interest rate on your home loan in case you opt for a floating rate loan and there is reduction in the base rate.

The house property related to the loan could be the collateral for your housing loan. However, you need to ensure that the title to your property is clear, marketable and free from encumbrance and that you have all the necessary documentation in place.

It is advisable to take home insurance so as to protect your house property from any untoward incidents such as fire and natural calamities. Utkarsh Small Finance Bank will be the beneficiary of the insurance policy until the time the loan is paid in full.

Depending on your requirement of funds, the home loan may be disbursed in full or in installments. Disbursement will happen as per the discretion of Utkarsh Small Finance Bank.


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