Utkarsh Finance
Personal Loan
Applicant Type
Salaried individuals working in corporate, government, or public sector organizations.
Employment
2 years total work experience, with at least 6 months at the current employer
Age Limit
23 – 58 years (at loan maturity)
Minimum Income
Minimum net monthly income: ₹20,000 (varies by city & profile)
Loan Amount
Loan amount up to ₹1.5 Lakhs– 20 Lakhs
Credit Score
A good CIBIL score (700+) is preferred for quick approval
Documents Required
- Identity proof: Aadhar card, Passport, Voter ID, or Driver’s Licence
- Address proof: Aadhar card, utility bills, passport, or ration card
- Income proof:
- For salaried individuals: Salary slip for the last 3 months or bank statement for the last 6 months.
- For self-employed individuals: ITR (Income Tax Return) or bank statement for the last 6 months.
- Photographs: Passport-sized photographs.
- KYC documents: Proof of identity and address as per KYC guidelines.