Utkarsh Small Finance Bank Home Loan
Interest rates from 9.5% p.a. (up to 15%) · EMI from ₹42,043/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About Utkarsh Small Finance Bank home loans
Runs tiered Grih Prime/Pragati/Saral schemes with PMAY subsidy eligibility.
Utkarsh SFB home loan EMI table (9.5% p.a.)
Monthly EMI at Utkarsh SFB's minimum rate. Tap any amount for the full breakdown.
How much interest will a Utkarsh SFB loan cost?
A ₹50 lakh Utkarsh SFB home loan at 9.5% over 20 years means about ₹61.86 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
See your prepayment savings →Compare Utkarsh SFB with other lenders →
Utkarsh SFB home loan by city
Compare Utkarsh SFB with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| Utkarsh SFB (this page) | 9.5% | ₹46,607 |
| SMFG Grihashakti | 9.35% | ₹46,118 |
| Repco | 9.5% | ₹46,607 |
| Piramal | 9.5% | ₹46,607 |
| Shriram Housing | 9.5% | ₹46,607 |
| Hero Housing | 9.5% | ₹46,607 |
| CSB | 9.69% | ₹47,229 |
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Frequently Asked Questions
What is the Utkarsh Small Finance Bank home loan interest rate in 2026?
Utkarsh Small Finance Bank offers home loans starting at 9.5% p.a., going up to 15% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh Utkarsh SFB home loan?
At 9.5% p.a., a ₹50 lakh Utkarsh SFB home loan has an EMI of about ₹46,607 for 20 years — roughly ₹42,043 for 30 years and ₹52,211 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a Utkarsh SFB home loan?
Utkarsh Small Finance Bank's processing fee is Varies, with a maximum tenure of 30 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a Utkarsh SFB home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a Utkarsh SFB home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with Utkarsh Small Finance Bank before applying. NestSaver is an information and planning service, not a lender.