Loan Services — Uttra Enterprises

Loan Services

15 loan products under one roof — Home, Personal, Business, Vehicle, Gold, Education and more — matched to the right lender for your profile, with a dedicated team handling paperwork end to end.

15Loan Types
25+Bank & NBFC Partners
24-72hFast Processing
Starting Interest RatesINDICATIVE
8.50%
Home
8.75%
Car
9.24%
Gold
10.50%
Personal
11.99%
Business
25+Lenders
15Products
24hResponse
Our loan products

Every loan type, explained clearly

Amounts, tenure and rates below are indicative starting figures — your final offer depends on the lender, your profile and documentation.

*Interest rates and processing timelines vary by lender policy, credit profile and loan amount at the time of application.

Home Loan

Purchase, construct, or renovate your home with long-tenure EMIs and rates that stay competitive across the loan life. We compare offers across multiple banks before you commit.

₹5L – ₹5CrLoan Amount
Up to 30 YrsTenure
8.50%* p.a.Interest Rate
5–10 DaysProcessing
Eligibility
Salaried & Self-EmployedAge 21–65 yrsStable Income Source
Documents Required
PAN CardAadhaar CardIncome ProofBank StatementsProperty Documents
Apply for Home Loan

Personal Loan

Unsecured funds for weddings, medical needs, travel or any personal expense — disbursed quickly with minimal paperwork and no collateral required.

₹50K – ₹40LLoan Amount
12–60 MonthsTenure
10.50%* p.a.Interest Rate
24–72 HrsProcessing
Eligibility
Salaried & Self-EmployedAge 21–60 yrsStable Monthly Income
Documents Required
PAN CardAadhaar CardSalary Slips / ITRBank Statements
Apply for Personal Loan

Business Loan

Working capital or expansion funding for proprietorships, partnerships and companies — collateral-free options available for eligible businesses.

₹1L – ₹75LLoan Amount
12–60 MonthsTenure
11.99%* p.a.Interest Rate
3–7 DaysProcessing
Eligibility
Business Vintage 1+ YrsMin. Turnover as per LenderValid Business Proof
Documents Required
PAN CardAadhaar CardBusiness ProofGST ReturnsBank Statements
Apply for Business Loan

Vehicle Loan (Old Car)

Finance for pre-owned cars with flexible tenure, fair valuation and quick approval — buy a certified used car without draining your savings.

Up to 100%*Of Car Value
Up to 5 YrsTenure
12.50%* p.a.Interest Rate
2–4 DaysProcessing
Eligibility
Age 21–65 yrsStable Income
Documents Required
PAN CardAadhaar CardIncome ProofVehicle Valuation Report
Apply for Old Car Loan

Vehicle Loan (New Car)

On-road funding for a new car purchase with attractive interest rates and fast disbursal directly to the dealership.

Up to 90%Of On-Road Price
Up to 7 YrsTenure
8.75%* p.a.Interest Rate
1–3 DaysProcessing
Eligibility
Salaried & Self-EmployedAge 21–65 yrs
Documents Required
PAN CardAadhaar CardIncome ProofProforma Invoice
Apply for New Car Loan

Two Wheeler Loan

Quick financing for scooters and motorcycles with low down payment and same-day approval at the showroom.

Up to 95%Of On-Road Price
12–48 MonthsTenure
9.50%* p.a.Interest Rate
Same DayProcessing
Eligibility
Age 18+ yrsValid ID & Address Proof
Documents Required
PAN / AadhaarIncome Proof (if applicable)
Apply for Two Wheeler Loan

Tractor Loan

Financing for new and used tractors, implements and agri-equipment for farmers and agri-businesses.

Up to 90%Of Tractor Cost
Up to 7 YrsTenure
9.90%* p.a.Interest Rate
3–5 DaysProcessing
Eligibility
Landholding FarmersAgri-Business Owners
Documents Required
PAN CardAadhaar CardLand DocumentsBank Statements
Apply for Tractor Loan

Education Loan

Fund tuition, hostel and other expenses for higher studies in India or abroad, with a moratorium period during the course.

Up to ₹1.5CrLoan Amount
Up to 15 YrsTenure
9.00%* p.a.Interest Rate
7–15 DaysProcessing
Eligibility
Confirmed AdmissionCo-Applicant Required
Documents Required
Admission LetterFee StructureKYC of Student & Co-Applicant
Apply for Education Loan

Gold Loan

Instant funds against gold jewellery with minimal documentation, transparent valuation and same-day disbursal.

₹10K – ₹50LLoan Amount
3–24 MonthsTenure
9.24%* p.a.Interest Rate
Within HoursProcessing
Eligibility
Age 18+ yrsOwns Gold Jewellery / Coins
Documents Required
PAN / AadhaarGold for Appraisal
Apply for Gold Loan

Loan Against Property (LAP)

Leverage your residential or commercial property for large-ticket funding at lower rates than an unsecured loan.

₹5L – ₹5CrLoan Amount
Up to 20 YrsTenure
9.50%* p.a.Interest Rate
7–12 DaysProcessing
Eligibility
Clear Property TitleAge 21–65 yrs
Documents Required
PAN CardAadhaar CardProperty PapersIncome Proof
Apply for LAP

MSME Loan

Collateral-free credit for micro, small and medium enterprises to fund growth, inventory and working capital needs.

₹50K – ₹1CrLoan Amount
12–60 MonthsTenure
11.00%* p.a.Interest Rate
5–10 DaysProcessing
Eligibility
Udyam / MSME RegistrationBusiness Vintage 1+ Yrs
Documents Required
PAN CardUdyam CertificateGST ReturnsBank Statements
Apply for MSME Loan

PM Mudra Loan

Government-backed collateral-free loans (Shishu, Kishor & Tarun categories) for micro and small non-farm businesses.

Up to ₹10LLoan Amount
Up to 5 YrsTenure
As per SchemeInterest Rate
7–15 DaysProcessing
Eligibility
Non-Farm Micro EnterpriseIncome-Generating Activity
Documents Required
PAN CardAadhaar CardBusiness PlanBank Statements
Apply for PM Mudra Loan

PMAY Housing Loan

Subsidised home loans under the Pradhan Mantri Awas Yojana credit-linked subsidy scheme for eligible first-time buyers.

As per CategoryLoan Amount
Up to 20 YrsTenure
Subsidised*Interest Rate
10–15 DaysProcessing
Eligibility
First-Time Home BuyerEWS / LIG / MIG Category
Documents Required
PAN CardAadhaar CardIncome CertificateProperty Documents
Apply for PMAY Loan

Loan Balance Transfer

Move your existing loan to a lower interest rate lender and reduce your EMI burden, often with a top-up available.

Outstanding Amt.Loan Amount
Balance / ExtendedTenure
Lower than Existing*Interest Rate
7–10 DaysProcessing
Eligibility
Clean Repayment Track RecordMin. 12 EMIs Paid
Documents Required
Existing Loan StatementForeclosure LetterKYC Documents
Apply for Balance Transfer

Loan on Credit Card

Instant pre-approved loan against your existing credit card limit, disbursed directly to your bank account with no extra documentation.

Based on LimitLoan Amount
3–24 MonthsTenure
13%* p.a.Interest Rate
InstantProcessing
Eligibility
Existing Credit Card HolderSufficient Available Limit
Documents Required
Credit Card DetailsKYC Documents
Apply for Credit Card Loan
Why choose us

Built to get your loan approved, not just applied for

Every file gets a name attached to it — someone who follows through, not a ticket number.

Multi-lender comparison

We compare offers across 25+ banks and NBFCs so you don't settle for the first quote.

Free eligibility check

Know your approval odds and likely interest rate before you formally apply.

A person, not a queue

One relationship manager stays with your file from enquiry through disbursal.

Transparent charges

Processing fees and charges are explained upfront — no surprises at disbursal.

Client stories

What borrowers say after working with us

My home loan got confusing with the bank directly. The team explained every step and followed up until it was disbursed.

R
Rajesh KumarHome Loan Client

Needed a business loan quickly for inventory — got matched to a lender and disbursed within a week, no collateral needed.

S
Sunita SharmaBusiness Loan Client

Compared my old car loan against three lenders before choosing — saved on interest and the paperwork was handled for me.

A
Amit VermaVehicle Loan Client
Common questions

Loan FAQs

Which bank or NBFC will process my loan?
We match your application to the lender most likely to approve it at the best rate from our panel of 25+ banks and NBFCs, based on your profile and the loan type.
Is there a fee just to check eligibility?
No. Eligibility checks and initial consultation are free. Any processing charges are explained clearly before you proceed.
Can I apply if my CIBIL score is low?
It depends on the loan type and lender policy. We can also help you check your CIBIL score first and suggest ways to improve your approval chances.
How long does disbursal take after approval?
Once documents are verified and the loan is approved, disbursal timelines range from a few hours (gold loan) to 1–2 weeks (home loan, LAP), depending on the product.

Ready to apply for a loan?

Tell us what you need — we'll match you with the right lender and handle the paperwork.