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Tick Utkarsh Capital is RBI Registered NBFC

Get Personal Loan up to ₹20 Lakh

Utkarsh Capital Finance assists customers with personal loan options ranging from ₹50,000 to ₹20,00,000, subject to credit eligibility and lender assessment. Interest rates generally range from 7.99% to 12% per annum. All loan applications are subject to complete KYC and income verification. The loan assistance process is digital and secure. Flexible EMI options may be available as per lender terms. Terms and conditions apply.

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Apply Loan in 2 Minutes!

Fill in 3 simple steps  ·  100% Digital  ·  No Branch Visit Needed

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Personal
2
Loan
3
Bank
👤 Personal Details

Tell us about yourself to get started

💰 Loan Details

Enter your loan requirements below

Estimated Monthly EMI (at 8.5% p.a.)
₹0 / month
Total Interest
₹0
Total Repayment
₹0
Disbursed Amount
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*Indicative at 8.5% p.a. Actual terms may vary based on eligibility.

🏦 Bank Details

Provide your bank info for loan disbursal

📋 Application Summary
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About Utkarsh Capital Finance

Trusted Financial Guidance Since 2008

Utkarsh Capital Finance is a financial services and loan assistance company established in 2008 and registered in SECTOR 62 Noida Gautam Buddha Nagar Noida, Uttar Pradesh 201301. The company operates with a strong focus on transparency, responsible practices, and clear communication while assisting customers with personal loan options.

  • Personal loans up to ₹20 lakhs based on eligibility.
  • Transparent terms with no hidden charges.
  • Experienced team offering honest financial guidance.

We assist individuals in understanding loan eligibility, repayment structure, and available options based on lender policies and applicant profiles. Our approach is strictly information-driven, ensuring customers can make informed financial decisions without pressure, false promises, or misleading commitments.

Personal Loan Disclosure – Utkarsh Loans Finance

Interest Rate:
Annual interest starts at 7.99% p.a. and can go up to 12% p.a. based on credit profile.

Eligibility:
Loan approval requires full KYC and income validation.

APR Details:
Valid from 01 Jan 2024 – 31 Dec 2025
➤ Min APR: 7.9%
➤ Max APR: 12%
Includes interest, processing fee, and standard loan costs.

Repayment Terms:
Tenure: 12 to 120 months
*T&C Apply

Representative Example:
₹1,00,000 loan at 7.9% p.a. for 24 months:
EMI ≈ ₹4,543/month
Interest ≈ ₹8,242
Total Repayment ≈ ₹1,08,242

Why Choose Utkarsh Loans Finance?

  • ✅ Loan Range: ₹50,000 – ₹20,00,000
  • ✅ Interest Range: 7.9% – 12% p.a.
  • ✅ Tenure: 12 months to 10 years
  • ✅ Processing Fee: 2% of loan
  • ✅ EMI Bounce: ₹590 per bounce
  • ✅ No Pre-Closure Charges
  • ✅ Transparent APR Disclosures
  • ✅ 100% Digital & Paperless
  • ✅ Trusted NBFC since 2017 (Navi Mumbai)

EMI Calculator

Monthly EMI: ₹0

Total Interest

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Total Repayment

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OUR PROCESS

4 Simple Steps to Get Loan Assistance at Utkarsh Capital Finance

Follow these easy steps to understand your eligibility and complete the loan assistance process securely and transparently.

Loan Process
Application Icon

Application

Fill out our simple online form with your basic personal and financial details. This helps us guide you based on your eligibility.

Documentation Icon

Documentation

Upload KYC proofs (Aadhaar, PAN), verify incomeproof and other relevant papers securely through our platform.

Review Icon

Review & Verification

Our team reviews your application and documents to provide guidance based on lender policies and your eligibility.

Assistance Icon

Assistance & Guidance

We guide you on next steps after confirming eligibility. All loan approvals depend on the lender’s assessment; Utkarsh Capital Finance does not guarantee approvals.

Know Before You Apply

Important disclosures as per RBI Fair Practices Code for digital lending

  • ✔ Loan amount and tenure are determined based on applicant’s credit profile, income, and documents.
  • ✔ Submission of valid KYC and income documents is mandatory for processing.
  • ✔ Loan applications are evaluated as per internal credit and risk assessment policies.
  • ✔ Approval of loan is not guaranteed and depends on eligibility and verification.
  • ✔ All applicable charges, fees, and interest rates are disclosed transparently.
  • ✔ No cash transactions are involved — all disbursements are digital.
  • ✔ We do not make any false promises or assured approval claims.
  • ✔ Customer data is handled securely as per RBI and applicable data protection laws.
Note: Loan eligibility shown on the website is indicative only and does not constitute a commitment. Final approval, loan amount, and terms are subject to verification and internal credit policies of the lender.
Lending Partner / NBFC:U65921DL1993PLC283660
CIN: U65921DL1993PLC283660 (CIN)
Registered Office: OFFICE NO 809&808 8TH FLR PLOT NO A-41,SECTOR 62 Noida Gautam Buddha Nagar Noida, Uttar Pradesh 201301 India
Regulator: Reserve Bank of India (RBI)
Compliance: All lending activities are conducted in accordance with RBI Fair Practices Code.
Our Features

Responsible & Transparent Financial Services

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Data & Information Security

We follow standard security practices to protect customer data and ensure confidentiality during the loan enquiry and application process.

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Simple Loan Assistance

Our team assists customers at every step—from eligibility check to documentation—ensuring clarity and informed decision-making.

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Professional Financial Guidance

We provide honest financial guidance based on borrower eligibility, repayment capacity, and lender policies—without misleading claims.

Why Choose Utkarsh Capital Finance

A Reliable Loan Partner You Can Trust

Since 2008, Utkarsh Capital Finance has been helping customers with responsible loan solutions. We focus on transparency, clear communication, and ethical lending practices to ensure a smooth and trustworthy experience.

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Transparent Loan Process

We explain all terms clearly, including interest rates and repayment details, so you always know what to expect before applying.

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Experienced Financial Experts

Our team provides honest guidance based on your eligibility, income, and financial needs—without false promises or pressure.

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Personal Loan Disclosure Overview

Detailed terms, APR range, and repayment examples for complete transparency and regulatory compliance.

Minimum APR

7.99%

Maximum APR

12%

Repayment Tenure

12 – 240 Months

Representative Example

  • Loan Amount: ₹1,00,000
  • Interest Rate: 7.99% p.a.
  • Tenure: 24 Months
  • Monthly EMI: ₹4,523
  • Total Repayment: ₹1,08,552

Interest Rates

Personal loan interest rates start from 7.99% per annum depending on the applicant’s credit profile, income stability, employment details, and lender policies. Final APR is confirmed after full application review.

Eligibility Criteria

  • KYC completion (PAN, Aadhaar, etc.)
  • Stable income and valid employment proof
  • Acceptable credit score and repayment history

Annual Percentage Rate (APR)

For loans disbursed between 01 Jan 2024 and 31 Dec 2025, the APR ranges from 7.99% to 12%. APR includes interest, processing charges, and applicable fees as per regulatory norms.

Repayment Tenure

Repayment tenures range from 12 months to 240 months, depending on the loan product selected and borrower eligibility. Longer tenures may help reduce EMI amounts.

Loan approval, final APR, tenure, and terms are subject to the lending institution’s assessment. Applicants should carefully review the offer document before proceeding. Terms and Conditions apply.

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Personal Loan Assistance

Utkarsh Capital Finance helps individuals get personal loans based on eligibility, income, and credit profile with a clear and transparent process.

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Business Loan Support

We assist small businesses and self-employed professionals with suitable business loan options as per lender guidelines.

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Loan Eligibility Check

Our team evaluates your income, credit score, and documents to help you understand loan eligibility before applying.

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Application & Documentation

We guide you through application and documentation to ensure accuracy, compliance, and a smooth loan process.

Our Services

Reliable Financial Services With Trust & Transparency

Utkarsh Capital Finance is committed to providing responsible financial services with clear communication and ethical practices. We help customers explore loan options that suit their financial needs and repayment capacity.

Our experienced team ensures that every client receives honest guidance, complete information, and support throughout the loan journey.

View All Services

Our Loan Services

We offer multiple loan options with transparent terms, competitive interest rates, and responsible lending practices.

Personal Loan

Interest starts from 7.99% p.a.

Tenure: 12 – 60 months

For medical, travel, education & personal needs.

Business Loan

Interest starts from 9.50% p.a.

Tenure: 12 – 120 months

For business expansion & working capital.

Home Loan

Interest starts from 8.40% p.a.

Tenure: Up to 240 months

For purchase or construction of residential property.

Loan Against Property

Interest starts from 9.00% p.a.

Tenure: Up to 180 months

Secured loan against residential or commercial property.

Vehicle Loan

Interest starts from 8.75% p.a.

Tenure: 12 – 84 months

For two-wheeler & four-wheeler purchase.

Education Loan

Interest starts from 8.15% p.a.

Tenure: Up to 180 months

For higher education in India & abroad.

Gold Loan

Interest starts from 7.50% p.a.

Tenure: 6 – 48 months

Loan against pledged gold ornaments.

Short-Term Loan

Interest starts from 10.50% p.a.

Tenure: 3 – 24 months

For short-term financial requirements.

Working Capital Loan

Interest starts from 9.25% p.a.

Tenure: Up to 60 months

To manage daily business expenses.

Loan Balance Transfer

Interest as per eligibility

Tenure: Remaining loan tenure

Transfer existing loan at better interest rates.

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Your Trusted Partner in Financial Assistance

Minimum Loan Amount: Rs 50,000

Minimum Interest Rate: 7.99% Per Month

Minimum Repayment Tenure: Up to 12 Months

Maximum Repayment Tenure: Up to 10 Years (120 Months)

Minimum Loan Amount: Up To Rs 50,000

Maximum Loan Amount: Up To Rs 20,00,000

Processing Fees: 2% Of The Loan Amount

EMI Bounce Charge: Rs 590/- Bounce Charge#D8E28C

No Pre-Closure Charges

Annual Interest Rate: Approx. 7.99 To 12%

Why Choose Utkarsh Capital Finance?

Flexible terms and reliable service

Utkarsh Capital Finance EMI Calculator

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Monthly EMI: ₹0

Total Interest: ₹0

Total Payable: ₹0

How to Use EMI Calculator?

  1. Enter loan amount
  2. Enter annual interest rate
  3. Enter tenure in months
  4. Click on Calculate EMI

About Utkarsh Capital Finance EMI Calculator

The Utkarsh Capital Finance EMI Calculator is designed to help users calculate accurate monthly EMI before applying for a loan. This calculator follows a zero mis-landing policy, ensuring no incorrect or misleading values are displayed. It provides a clear breakdown of EMI, interest, and total payable amount for transparent financial planning.

Utkarsh Capital Finance

Why Choose Utkarsh Capital Finance

Transparent Process

At Utkarsh Capital Finance, we believe in complete transparency. Every detail related to EMI, interest rate, tenure and charges is explained clearly to customers before loan approval. We strictly follow a zero mis-landing policy.

Customer-Centric Approach

Trusted Service

Our focus is to understand customer requirements and provide suitable loan solutions. From eligibility check to disbursement, our team supports customers at every step with honesty and clarity.

Fast & Reliable Assistance

Utkarsh Capital Finance ensures a smooth and efficient loan assistance process. With proper documentation and eligibility verification, we aim to provide quick responses without making false promises.

Utkarsh Capital Finance is committed to helping individuals and businesses make informed financial decisions. Our transparent approach, ethical practices, and customer-first mindset make us a trusted choice for loan assistance services. No hidden charges, no misleading information — only clear and honest guidance.

Eligibility Criteria

Check Your Loan Eligibility

Before applying for a loan with Utkarsh Capital Finance, please review the eligibility criteria carefully. We follow a zero mis-landing policy to ensure complete transparency and clarity for our customers.

Age Criteria

Applicant must be between 21 to 60 years of age at the time of loan application.

Employment Status

Salaried individuals, self-employed professionals, and business owners with a stable income source are eligible.

Minimum Income

A minimum monthly income is required to ensure comfortable EMI repayment. Income requirements may vary based on loan type.

Credit Score

A healthy credit score improves approval chances. However, Utkarsh Capital Finance also evaluates overall financial stability.

Work Experience

Minimum work experience or business continuity is required to ensure repayment capacity.

Required Documents

Valid ID proof, address proof, income documents, and bank statements are required for loan processing.

Note: Eligibility criteria may vary depending on the loan product and lender policies. Final approval is subject to document verification and internal assessment by Utkarsh Capital Finance.

Required Documents

Documents Needed for Loan Application

To ensure a smooth and transparent loan process, Utkarsh Capital Finance requires the following documents. We strictly follow a zero mis-landing policy, so all documents are verified clearly before loan approval.

Identity Proof

Aadhaar Card, PAN Card, Passport, or Voter ID for identity verification.

Address Proof

Aadhaar Card, Utility Bill, Rental Agreement, or Passport for address verification.

Income Proof

Salary slips, bank statements, ITR, or income certificate depending on employment type.

Bank Statements

Latest bank statements for the last 6 months to assess financial stability.

Employment / Business Proof

Appointment letter, business registration, GST certificate, or trade license.

Photographs & Signatures

Recent passport-size photographs and valid signatures for documentation.

Important Note: Document requirements may vary depending on the loan product and applicant profile. Final approval is subject to document verification and internal assessment by Utkarsh Capital Finance.

Our Testimonials

What Our Clients Say About Utkarsh Capital Finance

Client

Utkarsh Capital Finance provided complete transparency in my loan process. There were no hidden charges and the EMI shown was exactly what I paid. Truly a zero mis-landing experience.

Ramesh Kumar

Business Owner
Client

The EMI calculator of Utkarsh Capital Finance helped me plan my loan perfectly. The final EMI matched exactly with what was calculated online. Very honest and professional service.

Pooja Sharma

Salaried Professional
Client

I applied for a personal loan through Utkarsh Capital Finance and received complete clarity from day one. No false promises, no confusion. Highly recommended for transparent finance solutions.

Amit Verma

Private Employee
Client

What I liked most about Utkarsh Capital Finance is their zero mis-landing policy. Everything was explained clearly before loan approval. A trustworthy finance company.

Neha Singh

HR Manager
Client

Utkarsh Capital Finance guided me properly at every step of my loan journey. EMI, interest and tenure were exactly as committed. Very smooth and reliable experience.

Vikram Joshi

Self Employed
Client

I was worried about hidden charges but Utkarsh Capital Finance proved me wrong. The entire process was transparent and EMI calculation was accurate. A finance company you can trust.

Sunil Mehta

Shop Owner
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Utkarsh Capital Finance

Fast, Transparent & Zero Misleading Loan Solutions

Utkarsh Capital Finance aapko deta hai personal loan, business loan aur financial solutions bina kisi hidden charges ke. 100% transparent process, quick approval aur trusted service ke saath.

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Grievance Redressal

Utkarsh Finance is a financial services platform operated by Utkarsh Capital Finance, a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI).

The Company is registered under Corporate Identity Number (CIN): U65921DL1993PLC283660. All lending and customer engagement activities are conducted in accordance with applicable RBI regulations and fair lending practices.

In line with RBI guidelines, we have implemented a structured Grievance Redressal Mechanism to ensure complaints are handled in a fair, transparent, and time-bound manner.

Customers are encouraged to raise concerns related to services, communications, or loan processing. Each grievance is reviewed carefully and addressed as per internal policies and RBI norms.

Our grievance redressal team endeavours to resolve complaints within 5 working days, subject to the nature and complexity of the issue, in compliance with RBI-mandated timelines.