Welcome to Utkarsh Bank
Empowering every Indian with modern digital banking solutions — from savings to investments, all in one secure place.
About Utkarsh Bank
Utkarsh Small Finance Bank, headquartered in Varanasi, began its operations in January 2017 after receiving an in-principle approval from the Reserve Bank of India. The bank provides a range of banking solutions, products, and financial services to its customers.
Deposit Account
Utkarsh Small Finance Bank offers six types of savings accounts, each providing various benefits such as doorstep banking services, free online transactions, and other customer-friendly privileges.
Utkarsh Small Finance Bank offers two types of current accounts to its customers. These accounts come with benefits such as a cheque book, a Visa debit card, and free e-statements delivered at the frequency of the customer’s choice.
Loan
Utkarsh Small Finance Bank offers five types of home loans featuring competitive interest rates, doorstep banking services, low processing fees, and zero foreclosure charges.
It offers personal loans of up to ₹10 lakh with a repayment tenure ranging from 12 to 48 months. Salaried individuals can also avail these loans through convenient EMI options.
Investment
Earn attractive returns with Utkarsh Small Finance Bank’s fixed deposits, available with both monthly and quarterly payout options. Customers can start investing with a minimum deposit of ₹1,000.
Utkarsh Small Finance Bank offers Recurring Deposit schemes with a minimum tenure of 6 months and a maximum of 120 months. There is no upper limit on the investment amount.
Cards
Utkarsh Small Finance Bank debit cardholders can enjoy a range of discounts and benefits, earn reward points, and access special offers when making transactions with their debit card.
Banking
Customers can check their Utkarsh Small Finance Bank account balance through multiple channels, including net banking, mobile banking, ATM visits, or by calling the toll-free number.
Customers can download the Utkarsh Small Finance Bank mobile banking app to transfer funds, access their accounts, view term deposits and portfolios, open fixed or recurring deposits, and much more.
With Utkarsh Small Finance Bank Net Banking, customers can check their account balance and details, view cheque status, transfer funds, and access many other online banking services.
Customers with queries or complaints can reach out to Utkarsh Small Finance Bank’s customer care team or send an email to customercare@utkarsh.bank for assistance.