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.

- 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

Gold Loan

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

Your Gold can do more - get a loan today!

Repayment flexibility, avail monthly/half yearly repayment scheme.
Dedicated Gold loan teams.
Instant loan disbursal with minimum documentation.
Upto 75% of Current Gold Market Rate.

92 paisa*/month

Interest Rate p.a.

* T&C Apply

Disclaimer:

• Product Eligibility: Age 18–70 years | Loan Amount: ₹10,000–₹50,00,000 | Loan Tenure: 6–36 months.
• Interest Rates: 12.50% p.a. to 24.00% p.a., subject to customer profile, loan amount, tenure, gold purity, net weight, valuation, and Bank policies.
• Applicable Charges: Processing Fee – 0.50% + GST or ₹10,000 + GST (whichever is lower) | Renewal Charges – ₹500 + GST | NACH/SI Bounce Charges – ₹200 + GST | Foreclosure Charges – 1% + GST of principal amount if closed within 30 days of disbursement.
• Loan Assessment: Subject to customer eligibility, KYC verification, documentation, gold purity verification, net weight assessment, gold valuation, and internal credit/risk evaluation.
• APR: May vary depending on loan amount, tenure, interest rate, fees, taxes, and other applicable charges.
• Customer Consent: By submitting details, customers authorize the Bank to contact them via Phone, SMS, WhatsApp, Email, and other communication channels.
• Terms & Conditions: Loan approval and disbursement are subject to the Bank's internal policies, regulatory guidelines, and applicable taxes/statutory charges.
Example: For a Gold Loan of ₹1,00,000 at 12.50% p.a. for one year, the indicative interest payable is ₹12,500, excluding applicable fees and taxes.
T&C Apply.

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By sharing my contact details, I authorize Utkarsh Small Finance Bank to contact me via Call, SMS, WhatsApp, RCS, Email, or any other communication channel on the above-mentioned number/email to explain the features of the product. I also agree to receive updates from Utkarsh Small Finance Bank/ Representatives/ Subsidiaries/ Affiliates/ Agents regarding products, services, offers, or other relevant information from time to time.