Go digital with Utkarsh Internet Banking!

Internet Banking is having a Bank branch on your desktop. You can access your Bank any time, from any place and do transactions without having to visit the branch.

• View your Account Balances, Account Activity, Account Details, Cheque Status Transfer Funds between your accounts or third-party accounts maintained with Utkarsh Small Finance Bank or with any other Bank that participates in the RBI NEFT/RTGS/IMPS scheme, open a Term/Recurring Deposit, check the Term/Recurring Deposit rates over various tenures & amounts, set up a standing instruction online to transfer funds between your own accounts and third-party accounts.

• Request a chequebook and give stop cheque request.

• Download Account Statement for the financial or calendar year, for a month or a specific period.

• Communicate with the bank in a secure medium through the 'Inbox' option, which will allow greater flexibility for communicating with us, including the ability to put an online request for our Home Banking Services

• Pay all your utilities and recharge prepaid mobile/DTH

• Download TDS & Interest Certificate.

• Account Balance-Summary & Portfolio

• Transfer & Payments facility

• Create Fixed Deposits/Recurring Deposits

•  Apply for Loans

• Apply for a New Debit Card

• Generate Debit Card PIN Online

For New Customer

You can register yourself for Internet Banking through the below mentioned process:

• Visit our website www.utkarsh.bank.in > Ways to Bank > Internet Banking > Login > Personal Banking > Register 

• On redirection, Click on “Self Registration”

• You can do self-registration either by using the Customer ID, Account Number and DOB or Debit Card Number, Card PIN and Expiry Date

• Please read and accept the Terms and Conditions and click on the “Submit” button.

• An OTP will trigger on registered mobile number. Enter OTP and click on the “Verify OTP” button.

• Confirm the details in the next screen.

• Set your username & password as per the policy highlighted below while generating.

• Then click on the “Submit” button.

• Select three security questions of your choice and click on Next.

• Enter your answer accordingly to the security questions selected.

• Click on the “Submit” button. 

For Existing Customer

You can Login for Internet Banking through the below mentioned process:

• Visit our website www.utkarsh.bank.in > Ways to Bank > Internet Banking > Login > Personal Banking > Login

• Enter your “Username” and click on the “Go” button. It redirects to the password change screen.

• Please use forget user id option in case you have forgot your user id.

• You can change the password either by using the Customer ID, Account Number and DOB or Debit Card Number, Card PIN and Expiry Date

• Please read and accept the Terms and Conditions and click on the “Submit” button

• An OTP will be send to your registered mobile number. Enter OTP and click on the “Verify OTP” button

• Enter your new password & confirm the password

• Click on the “Submit” Button

Password is successfully reset. Now you can login with the username & the updated password.

You can get your User ID through the below-mentioned process:

Step 1: Visit our website www.utkarsh.bank.in

Step 2: Click on Ways to Bank

Step 3: Select Internet Banking

Step 4: Click on the Login option available in the top right corner. Then click on Personal Banking/ Corporate Banking.

Step 5: Click on “Continue to Login. Then click on the “Forget Username” option right below the “Enter Username” field.

Step 6: You can retrieve the User ID through the account number, Customer ID and Debit Card. Select and proceed accordingly.

Step 7: After entering the relevant details according to the selected option. Click on the “Submit” button.

Step 8: A six-digit OTP will be triggered on your registered mobile number. Enter the OTP and click on the “Verify OTP” button.

Your User ID will be sent to your registered mobile number and email ID.

To login to Utkarsh's Internet Banking, you must follow the below-mentioned process:

Step 1: Visit our website www.utkarsh.bank.in

Step 2: Click on Ways to Bank 

Step 3: Select Internet Banking

Step 4: Click on the login option available at the top right corner.

Step 5: Select Personal Banking and click on the “Continue to Login” button. You will be redirected to the Internet Banking page for login.

Step 6:  Enter your USER ID and click the Arrow button for verification and further process.

Step 7: Enter password along with CAPTCHA and click on the “Continue”.

Step 8: - An OTP will be triggered to your registered mobile number. Enter the OTP and click on the “Verify OTP” button. 

You have successfully logged in.

You can generate your password by following the below-mentioned steps:

Step 1: Visit our website www.utkarsh.bank.in

Step 2: Click on Ways to Bank

Step 3: Select Internet Banking

Step 4: Click on the Login option available in the top right corner. Then click on Personal banking/ Corporate Banking.

Step 5: Click on “Continue to Login. Then click on “Forget Username” option right below the “Enter Username” field..

Step 6: Enter your “Username” and click on the blue arrow button for password entry.

Step 7:-  Click on “Forget Username” option right below the “Enter Password” field.

Step 8: You can reset your password through your Account Number, Customer ID and Debit Card. Select and proceed accordingly .

Step 9: After entering the relevant details according to the selected option. Click on the “Submit” button.

Step 10: A six-digit OTP will be triggered to your registered mobile number. Enter OTP and click on the “Verify OTP” button.

Step 11:  Enter the new password. Confirm "New Password” and then click on Submit Button

Your password has been successfully reset. Use your new password to login.

You have only ONE password for Internet Banking i.e. login password. The login password, as the name suggests, is required to login to your Internet Banking account.

All customers who have unconditional operating authority on any Utkarsh Small Finance Bank's  Account, Standalone Deposit, Loan Account can get access to Internet Banking.

There are no charges for Internet Banking. All Utkarsh Small Finance Bank customers are given free access to Internet Banking.

• A password should be a mix of alphabets, numerals, and special characters [$#^@&%_.~!*] without any space in between.

• The password length should be between 6 and 28 characters.

• New password cannot be the same as any of the last five login passwords.

• Utkarsh SFBL recommends all Internet Banking customers to read Online Security Tips.

You can do a NEFT/RTGS/IMPS, Within Bank transfer online using your account to transfer funds between Utkarsh SFBL account and other Bank accounts.

A beneficiary is the person you wish to transfer funds to. There are no restrictions in the number of beneficiaries that you can add on your account.

In your Internet Banking account > under Transfers > Add a New Beneficiary, you can add a new beneficiary. Once beneficiary details are entered, you will be requested to validate the same with a One-Time password. Once beneficiary is added, you can make the first transaction within 4 hours for other bank customers & within 30 minutes. for Utkarsh SFBL customers.

• Account number

• Account type

• IFSC Code - You can directly enter the IFSC Code or use our search option to type the Bank name, State name, City name and Branch to fetch the right IFSC Code.

• Beneficiary Name – Actual name of the account holder you are trying to transfer funds to.

• Beneficiary nick name – You don't have to remember the actual name. Create your own nick names for friends/family or anyone that you wish to make the transfer to.

• View your account balance

• Download PDF/Excel of your account statement

• Enquire about cheque status

• Download FD Advice, TDS, Interest Certificate.

• Debit Card PIN Reset / Green PIN

• Request for a Cheque Book

• Register for E-Statement.

Your Internet Banking account will be idle for upto 5 minutes of inactivity. After 5 minutes, the session will be logged out, and the user needs to login again.

• Memorize the password and delete the password mailer after you receive it.

• After receiving the password mailer, immediately log on to Internet Banking and change your password.

• Don't disclose your password to anyone, including Utkarsh Small Finance Bank staff.

• Change your password at regular intervals (at least once a month), especially after you have accessed Internet Banking on shared PCs/Networks.

• Avoid using obvious passwords [like name, date of birth, etc.].