Utkarsh Small Finance Bank provides personal loans to help individuals manage diverse financial needs, from medical emergencies to home improvements. You can borrow between ₹1.5 lakh and ₹20 lakh, with flexible repayment tenures from 12 to 84 months.

Interest rates typically start from 13% and can go up to 20% per annum, varying based on your credit profile. These loans are primarily for salaried individuals with a minimum net monthly income of ₹20,000, at click here least six months of current work experience, and two years of overall experience. Applicants should be between 23 and 58 years old.