Investments
With Utkarsh Small Finance Bank' s array of investment options, give your family the financial security and freedom in the long run.
Give yourself an edge of an early start towards a wealthy future! Start investing today!
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Ensure that your future needs and long-term aspirations are fulfilled. Start today by investing your surplus in a plan that best suits your goals.
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Mutual Funds: It's an investment programme funded by shareholders and is professionally managed and traded in diversified holdings, thus minimising the market risk.
Equity Schemes: These primarily invest in shares. Based on the objective, investments could be in growth stocks, where earnings growth is expected to be high or value stocks. Here the view of the fund manager is that current valuations in the markets do not reflect the intrinsic value.
Debt or Income Scheme : This scheme generally invests funds in fixed-income securities, mainly in government securities and corporate bonds, with various maturities. The investor earns returns from interest income on its investments and profits on trading securities. These funds are comparatively less risky.
Balanced Schemes: Balanced schemes invest in a mix of equity and debt. The debt investments ensure a basic interest income, which the fund manager hopes to top with a capital gain from the investment in equities. However loses can eat into basic interest income and capital.
Monthly Income Plans: MIPs aim to provide consistency in returns by investing a major part of the portfolio in debt market instruments with a small investment in equities. Thus, these funds are more suited for investors who along with protection of capital seek some capital appreciation. However, the monthly income is not assured.
Equity Linked Saving Scheme : ELSS is an open-ended equity growth scheme that is offered by Mutual Funds in line with existing ELSS guidelines. The investments are subject to a lock-in period of 3 years and, as per the Finance Act 2005, are allowed the benefit of income deduction up to Rs. 1,50,000. This scheme offers the benefits of tax saving and capital gains. Instead of spreading your investments across different instruments such as PPF, ELSS, NSC and infrastructure bonds, you can now invest the entire limit of Rs. 1,50,000 available under Sec 80(C) in ELSS.
Systematic Investment Plan: An SIP is a convenient way to accumulate wealth in a disciplined manner for a long-term. It helps you to invest regularly in small Installments and thereby build wealth over a period of time. This plan is best for young people looking for investment plans.
DISCLAIMER Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Utkarsh Small Finance Bank Limited shall not be liable or responsible for any loss or shortfall arising from the performance or operations of any Mutual Fund scheme.
Utkarsh Small Finance Bank Limited is authorized by the Association of Mutual Funds in India (AMFI) to distribute Mutual Fund products under Registration No. ARN-121231, valid from 18 April 2026 to 17 April 2029. The terms and conditions of Utkarsh Small Finance Bank Limited, the respective Asset Management Companies (AMCs), and other third-party service providers shall apply.Utkarsh Small Finance Bank Limited is an authorised Mutual Fund distributor for the following AMCs:1. Axis Mutual Fund
2. ICICI Prudential Mutual Fund
3. HDFC Mutual Fund
4. Nippon India Mutual Fund
5. Aditya Birla Sun Life Mutual Fund
Investors are advised to make investment decisions based on their financial goals, risk appetite, and suitability assessment.
Commision Disclosure:
In accordance with the extant SEBI and RBI guidelines on commission disclosure and the distribution of Mutual Fund products, following are the details of the commission earned by Utkarsh Small Finance Bank from various AMCs/Service Providers.
| Mutual Fund Commission Disclosure | ||
|---|---|---|
| Category | Minimum Commission | Maximum Commission |
| Equity Funds | 0.25% | 1.25% |
| Hybrid Funds | 0.15% | 1.15% |
| Debt Funds | 0.02% | 0.75% |
| Other Funds | 0.035% | 1.30% |
Scheme-wise Commission Disclosure: Click here
Note:The brokerage/commission varies depending on the Mutual Fund scheme and the respective AMC whose products are distributed by the Bank.
The above-mentioned commission rates are subject to revision from time to time in accordance with the commercial arrangements between Utkarsh Small Finance Bank Limited and the respective AMCs.
Any changes in commission rates may be made without prior notice and at the sole discretion of the concerned parties, subject to applicable regulatory guidelines.
