Business Premium Account
A successful business requires quick turnaround to meet its financial needs. At Utkarsh Small Finance Bank, the team is equipped with the understanding and the facilities required to help you financially to achieve your business goals. For Business Premium Current Account, an Average Quarterly Balance requirement of 50,000/- is required to be maintained. In addition, other features include free unlimited transactions at any ATMs, free RTGS/NEFT/IMPS, no Debit Card annual charges for the first year on RuPay Platinum Debit Card.
Get
Rewards
1 reward point on every 100 spends on debit card
Get
15% discount
1 reward point on every 100 spends on debit card
Get
Free
Cash withdrawal on Utkarsh Bank ATMs
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Enjoy free cash deposit upto 15 times of previous month’s Monthly Average Balance; upper cap ₹1 Crore/month at base branch* & ₹5 Lakh* per month at non-base branch
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Enjoy unlimited cash withdrawal at base branch and free cash withdrawal of ₹5 Lakh per month at non-base branch
* T&C Apply
| Business Premium | |
| Average Balance Requirement | AQB |
|---|---|
| Metro & Urban Branches | 50,000/- |
| Semi-Urban & Rural Branches | 50,000/- |
| Charges for Non-Maintenance | 1,500/- per quarter |
| Branch Cash Transactions | |
| Cash Deposit Transactions - Free Limit/Month | Base Branch: 15 times of previous month’s Monthly Average Balance*; upper cap ₹1 Crore/month* (for Account opening month, free cash deposit limit is ₹ 10 Lakh/month) Non-base Branch: 5 lakh |
| Cash Deposit Transactions - Charges Beyond Free Limit | 3/- per 1,000/- [Min 50/-] |
| Cash Withdrawal [Base Branch] - Free Limit/Month | Unlimited |
| Cash Withdrawal [Base Branch] - Charges Beyond Free Limit | Not Applicable |
| Cash Withdrawal [Non-base Branch] - Free Limit/Month | Free upto 5 lakh per month |
| Cash Withdrawal [Non-base Branch] - Charges Beyond Free Limit | 2/- per 1,000/- |
| Account Maintenance - Free Limit [Cash, Clearing & Intra-Bank Transfer] | Unlimited |
| Account Maintenance - Charges Beyond Free Limit | Not Applicable |
| Demand Drafts/Pay Order | |
| Demand Drafts Payable at own Bank Locations | Upto 10,000/- 50/- Above 10,000/- 4/- per 1,000/- [Min 50/- Max 1,000/-] |
| Demand Draft Revalidation | 100/- per instance |
| Duplicate Demand Draft Issuance | 100/- per instance |
| Demand Draft/Pay Order Cancellation | 100/- per instance |
| Cheque Issuance/Collection Charges | |
| Free Leaves | Two cheque books free per quarter [50 leaves] |
| Charges Beyond Free Limit | 2.50/- per leaf |
| Local Cheque Collection and Payments at Base Branch Location & Fund Transfer | Free |
| Cheque Return Charges [Outward] | 200/- per cheque |
| Cheque Return Charges [Inward] | 500/- per cheque |
| NEFT/RTGS/IMPS Transactions | |
| RTGS Inward and Outward | Free |
| NEFT Inward and Outward | Free |
| IMPS Payments | Free |
| NACH/e-NACH Charges | |
| NACH/e-NACH Return Charges [Financial Reason] | ₹250/- per instance |
| Mandate Registration Charges | ₹150/- per instance |
| Doorstep Banking Services | |
| Doorstep Banking Services [Within City limits] Cash |
Please contact the nearest branch |
| Doorstep Banking Services [Within City limits] Cheque |
1 Pickup free per day [at selected locations] |
| Other Service Charges | |
| Physical Account Statements [Quarterly] | Free |
| Email Account Statements [Quarterly] | Free |
| Stop Payment Instructions | 100/- per cheque |
| Signature Verification/Address Confirmation | 100/- per instance |
| Confidential Report/Credit Confirmation | Free |
| Solvency Attestation | Free |
| Photo Attestation | Free |
| Activation of Inoperative Account | Free |
| SMS Alerts | Free |
| Account Closure Charges | |
| Account Closure | Within 14 days- Nil After 14 days to 12 months- 500/- Above 12 months- 250/- |
For Debit Card Variants & Charges, kindly refer to the Card Section
For complete details on Fees and Charges effective from 01st July 2026, please click here
Apply to Business Premium Account
Loan calculator
|
Interest Rate 8.00% |
Interest Earned 3,50,452 |
|
Maturity Value 13,50,452 |
Maturity Date 20 Apr 2023 |
|
(Indicative interest rates for calculation only. click here for latest rates.) |
FAQs
Yes, an Individual can open a Current Account. Please visit branch for more details.
You get 100 cheque leaves per quarter
Yes, you enjoy unlimited free transaction between Utkarsh Small Finance Bank accounts
Please visit your nearest Utkarsh Small Finance Bank branch or call 1800-123-9878, 24×7 [Except National Holidays]
You can avail array of value added services such as NEFT/RTGS services, Doorstep Banking and higher free transaction limits. If you are a medium to large business, Business Premium Current Account is perfect to ensure a smooth operation process.
You can make unlimited free transactions in Business Premium Account
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You are never too far away from quick banking, check nearest Bank and ATM
Contact
Incase you wish to speak to our banking experts for resolution
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