Is there any way that we could load disk utility or any disk repair tool from a USB in mac?
A macOS installer environment includes Disk Utility. You can create an install USB using createinstallmedia and a downloaded copy of macOS. For example, for Catalina, you can run:

sudo /Applications/Install\ macOS\ Catalina.app/Contents/Resources/createinstallmedia --volume /Volumes/MyVolume


How to create a bootable installer for macOS - Apple Support
n.b. Internet Recovery should work regardless of hard drive, even without one at all, since it is loaded into RAM from an internet connection.