Utkarsh Small Finance Bank Home Loan: Rates, Eligibility & Fees 2026
Utkarsh Small Finance Bank offers home loans to buy, build or renovate a home. Butter Money compares Utkarsh Small Finance Bank's offer with similar lenders for your profile and handles the paperwork with you until disbursal.
Interest Rate
11.00%
p.a. onwards
Processing Fee
0.10%
of loan amount
Max Tenure
30 Years
Max LTV
Up to 75%
Rates updated 18 Jun 2026 from Butter's lender rate data · Utkarsh Small Finance Bank's official rates
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What stands out with Utkarsh Small Finance Bank
- Repayment holiday (moratorium) available on under-construction homes
- Tenure up to 30 years
Utkarsh Small Finance Bank home loan at a glance
| Lender type | Small finance bank |
| Starting rate | 11.00% p.a. onwards |
| Products | Home loan, Plot, Construction, Balance transfer |
| Funding (LTV) | Up to 75% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
Utkarsh Small Finance Bank Interest Rates, June 2026
By product, CIBIL score & applicant type
Home loan · Plot · Construction · Balance transfer
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| 800 and above | 11.00% onwards | 11.00% onwards |
| 700–749 | 11.00% onwards | 11.00% onwards |
| 750–799 | 11.00% onwards | 11.00% onwards |
Starting rates for each CIBIL band. Your final rate also depends on the loan amount, property and profile. Updated 18 Jun 2026.
Fees & Charges
Utkarsh Small Finance Bank vs Similar Lenders
Lenders with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| Utkarsh Small Finance Bank (this page) | Small finance bank | 11.00% onwards |
| Vridhi Finserv | Housing finance company | 12.00% onwards |
| Piramal Finance | NBFC | 9.90% onwards |
| Truhome Finance | Housing finance company | 9.50% onwards |
Utkarsh Small Finance Bank Home Loan EMI Calculator
Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo at Utkarsh Small Finance Bank's rates.
Illustrative calculation based on the selected rate. The rate defaults to 11% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh Utkarsh Small Finance Bank home loan over 20 years at 11.00% costs ₹51,609 a month, or ₹73,86,261 in total interest. Every 0.25% higher adds about ₹853 a month.
Utkarsh Small Finance Bank Home Loan FAQs
What is the Utkarsh Small Finance Bank home loan interest rate?
Utkarsh Small Finance Bank home loan rates start at 11.00% p.a. for the strongest credit profiles and rise for lower CIBIL scores. Your final rate also depends on the loan amount, property and income.
Can I prepay my Utkarsh Small Finance Bank home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow Utkarsh Small Finance Bank to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will Utkarsh Small Finance Bank fund?
Utkarsh Small Finance Bank funds up to 75% of the property's value, within RBI's caps (up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh). You pay the rest as your own contribution.
Rates updated 18 Jun 2026 from Butter's lender rate data. Final terms are set by Utkarsh Small Finance Bank at sanction. Source: Utkarsh Small Finance Bank.