What banking services does Utkarsh Small Finance Bank offer?

Utkarsh Small Finance Bank offers savings accounts, current accounts, fixed deposits, recurring deposits, loans, personal banking, business banking, NRI banking, and digital banking services.

How can I open a savings account with Utkarsh Small Finance Bank?

You can open a savings account through the bank's branch network or digital account opening process, subject to applicable eligibility criteria and KYC requirements.

What documents are required to open a bank account?

Generally, customers need valid identity proof, address proof, PAN or Form 60 where applicable, and other documents as required under regulatory guidelines.

Are deposits with Utkarsh Small Finance Bank safe?

Deposits held with banks are covered under the Deposit Insurance and Credit Guarantee Corporation (DICGC) insurance scheme, subject to applicable terms and limits prescribed by DICGC.

What types of deposit products are available?

Customers can choose from savings accounts, current accounts, fixed deposits (FDs), and recurring deposits (RDs), depending on their financial requirements and eligibility.

How can I apply for a loan?

Customers can apply for eligible loan products through the bank's branches, website, or other approved channels. Loan approval is subject to eligibility criteria, documentation, and credit assessment.

Does Utkarsh Small Finance Bank offer digital banking services?

Yes. Customers can access online banking, mobile banking, fund transfers, bill payments, account management, and other digital banking services.

How can I find the nearest Utkarsh Small Finance Bank branch or ATM?

Customers can use the Branch Locator or ATM Locator available on the bank's website to locate the nearest branch or ATM.

What should I do if my debit card is lost or stolen?

Customers should immediately block the card through customer care, internet banking, mobile banking, or other available channels and request a replacement card if required.

What is KYC and why is it required?

Know Your Customer (KYC) is a regulatory process used by banks to verify customer identity and address details. KYC compliance is mandatory for opening and operating bank accounts as per applicable regulations.

Utkarsh BizOne Current Account

- COVID-19 Precautionary Steps
  
  Considering COVID-19 we have taken precautionary steps demanded by the situation. Our branches will be open, with required hygiene measures and reduced staff.
- Revision in Savings Account Interest Rates
  
  Revision in Savings Account Interest rates effective April 01, 2022
- Customer Compensation and Protection Policy limiting the liability of customers in unauthorized electronic transactions is available under Bank Policies section for perusal of customers.
- Our Avinashi branch located at The Utkarsh BANK Ltd. Shop No 5/215 Rajan Nagar Opp to weekly Market, K K Pudur post Avinashi Taluk, Tirupur - 641654, will be closed w.e.f April 30, 2022. It is being merged with our Tirupur branch.
- Personal Banking
- Corporate Banking

Utkarsh BizOne Current Account

Business banking, reimagined with the Utkarsh BizOne Current Account, an all-in-one solution designed to empower your enterprise with seamless transactions, personalised support, and exclusive privileges. Maintain a Monthly Average Balance (MAB) of ₹1,00,000 at Metro/Urban branches and ₹50,000 at Semi-Urban/Rural branches to unlock a banking experience that supports your growth at every step.

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

We offer our valued customers:

Unlimited cash withdrawal at base branch
Free cash deposit transactions per month

• Base branch: ₹25 Lakh
• Non-base branch: ₹10 Lakh

Free RTGS, NEFT & IMPS transactions
Free Demand Draft facility
Free email/physical statements & SMS alerts
Enjoy free outward cheque return charges
Waiver on monthly QR application charges per VPA*
Enjoy discount on POS rental charges*
RuPay Platinum Contactless Debit Card
Dedicated Relationship Manager (at selected branches)*
25% off* on Locker rent (subject to availability)
Business Loan for expansion at competitive rates*
Better forex rates for education under LRS*

* T&C Apply

Average Balance Requirements	MAB
Utkarsh BizOne Current Account
Metro & Urban Branches	₹1,00,000/-
Semi-Urban & Rural Branches	₹50,000/-
Charges for Non- Maintenance	₹750/- per month
Branch Cash Transactions
Cash Deposit Transactions - Free limits/month	Base Branch: ₹25 lakh Non-base Branch: ₹10 lakh
Cash Deposit Transactions - Charges beyond Free limit	₹3/- per ₹1,000/- (Min ₹100/-)
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 ₹10 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 on own Bank Locations	Free
Demand Draft Revalidation	Free
Duplicate Demand Draft Issuance	Free
Demand Drafts/Pay Order Cancellation	Free
Cheque Issuance/Collection Charges
Free Leaves	Three 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)	NIL
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	Please contact the nearest branch
Other Service Charges
Physical Account Statements (Quarterly)	Free
Email Account Statements (Monthly)	Free
Stop Payment Instructions	₹100/- per cheque
Signature Verification/Address Confirmation	Free
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/-

Note: Kindly refer to the Debit Card variants & charge section. By Default, Rupay Platinum Contactless (International) Debit Card will be issued. For card upgradation, please contact your branch.

For Complete details on Fees and Charges effective from 1^st July 2026, please click here.