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        • BL Secured+
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Finance Suggestion
Utkarsh - Minor Saving Account Utkarsh - Minor Saving Account Utkarsh - Minor Saving Account

An early start towards

a better future!

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  • Standard Savings Account
  • Premium Savings Account
  • Gen-Nex Savings Account
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  • Basic Savings Bank Deposit Account (BSBDA)
  • Basic Savings Bank Dep Small Account(BSBDA-Small)
Home Personal Accounts & Deposits Savings Account Minor Savings Account

Gen-Nex Savings Account

Introduce your child to the world of banking with Utkarsh Small Finance Bank’s Gen-Nex Savings Account, customised specially for kids under the age of 18.

 

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  • Eligibility
  • Benefits
  • Fees and Charges
Children below 18 years of age can open a Minor Savings Account with Utkarsh Small Finance Bank.
  1. Facility to auto transfer funds to Minor's Account
  2. Customers are offered unlimited free domestic transactions at any ATM
  3. Lower ATM withdrawal and purchase limits as protection against misuse
  4. Free SMS Alerts
  5. Interest Rate on Domestic Savings *:       

    Balance in ()

    Rate of Interest w.e.f June 01, 2022

     
     

    Balance upto 1 lakh

    4.25% p.a.

     

    Incremental balance above 1 lakh upto  25 Lakhs

    6.50% p.a.

     

    Incremental balance above 25 lakhs

    7.00% p.a.

     

* Conditions Apply

  Gen-Nex Savings Account
  Average Balance Requirements Gen-Nex Savings Account
  AQB
  Metro & Urban Branches 2,500/-
  Semi-Urban & Rural Branches 750/-
  Chages for Non-Maintenance Metro/Urban: 25/- per 500/- of shortfall, Max 125/- for quarter;
Semi Urban/Rural:
25/- per 500/- of shortfall, Max 37.50/- for quarter
  Branch Cash Transactions  
  Cash Deposit Transactions- Free limits/month 5 lakhs
  Charges Beyond Free Limit  3 per 1000 (Min 50)
  Cash Deposit Transactions(Folio Charges) 10 transactions
  Charges Beyond Free Limit 20/-
  Cash Withdrawal - Free limits/month Unlimited
  Cash Withdrawal charges beyond free limit Not Applicable
  DD/PO Issuance  
  Demand Drafts Payable
on own Bank Locations
Upto 10,000/- 50/-
Above 10,000/- 4/- per 1,000/-
(Min  50)
  Demand Drafts Payable at Correspondent
Bank Locations
1/- per thousand, min 25/ DD + Correspondent Bank charges
  Revalidation 100/-
  Duplicate DD Issuance 100/-
  DD/PO Cancellation 100/-
  Cheque Issuance/ Collection Charges  
  Free Leaves One free cheque book per quarter (20 leaves)
  Charges Beyond Free Limit  2/leaf
  Outstation Cheque Collection Fees Upto & Including 5,000/- 25/- per cheque
Above 5,000/- upto 10,000/- 50/- per cheque
Above 10,000/- upto 1 lakh - 100/- per cheque
Above 1 lakh upto 5 lakhs - 200/- per cheque
Above 5 lakhs upto 10 lakhs - 225/- per cheque
Above 10 lakhs - 250/- per cheque
(plus other bank charges, if applicable)
  Cheque Return Charges (Outward and Inward) 200/- per cheque
  NEFT/RTGS/IMPS transactions (Online)  
  RTGS Outward Free
  NEFT Outward Free
  IMPS Payments Upto 1 lakh -5
Above 1 lakh - 2 lakhs - 15
  Phone/Mobile Banking  
  Phone Banking Free
  SMS Alerts Free
  Doorstep Banking Services  
  Cash Pickup Charges (within city limits with a radius of 5 km from base branch) Not Available
  Cheque Pickup Charges (within city limits with a radius of 5 km from base branch) Not Available
  Other Charges  
  Quarterly Physical Statements Free
  Email Statements Free
  Stop Payment Instructions 100/- per cheque
  Signature, Address and Photo attestation 100/- per instance
  Duplicate Interest & Balance Certificate Issuance Charge 100/- per instance
  Account Related Charges  
  Account Closure Upto 14 days – Nil
Above 14 days up to 12 months - 500/- Above 12 month- Nil.
 
For Debit Card Variants & Charges, kindly refer to the Card Section
 
For complete details on Fees and Charges, please click here
 
  • Eligibility
    Children below 18 years of age can open a Minor Savings Account with Utkarsh Small Finance Bank.
  • Benefits
    1. Facility to auto transfer funds to Minor's Account
    2. Customers are offered unlimited free domestic transactions at any ATM
    3. Lower ATM withdrawal and purchase limits as protection against misuse
    4. Free SMS Alerts
    5. Interest Rate on Domestic Savings *:       

      Balance in ()

      Rate of Interest w.e.f June 01, 2022

       
       

      Balance upto 1 lakh

      4.25% p.a.

       

      Incremental balance above 1 lakh upto  25 Lakhs

      6.50% p.a.

       

      Incremental balance above 25 lakhs

      7.00% p.a.

       

    * Conditions Apply

  • Fees and Charges
      Gen-Nex Savings Account
      Average Balance Requirements Gen-Nex Savings Account
      AQB
      Metro & Urban Branches 2,500/-
      Semi-Urban & Rural Branches 750/-
      Chages for Non-Maintenance Metro/Urban: 25/- per 500/- of shortfall, Max 125/- for quarter;
    Semi Urban/Rural:
    25/- per 500/- of shortfall, Max 37.50/- for quarter
      Branch Cash Transactions  
      Cash Deposit Transactions- Free limits/month 5 lakhs
      Charges Beyond Free Limit  3 per 1000 (Min 50)
      Cash Deposit Transactions(Folio Charges) 10 transactions
      Charges Beyond Free Limit 20/-
      Cash Withdrawal - Free limits/month Unlimited
      Cash Withdrawal charges beyond free limit Not Applicable
      DD/PO Issuance  
      Demand Drafts Payable
    on own Bank Locations
    Upto 10,000/- 50/-
    Above 10,000/- 4/- per 1,000/-
    (Min  50)
      Demand Drafts Payable at Correspondent
    Bank Locations
    1/- per thousand, min 25/ DD + Correspondent Bank charges
      Revalidation 100/-
      Duplicate DD Issuance 100/-
      DD/PO Cancellation 100/-
      Cheque Issuance/ Collection Charges  
      Free Leaves One free cheque book per quarter (20 leaves)
      Charges Beyond Free Limit  2/leaf
      Outstation Cheque Collection Fees Upto & Including 5,000/- 25/- per cheque
    Above 5,000/- upto 10,000/- 50/- per cheque
    Above 10,000/- upto 1 lakh - 100/- per cheque
    Above 1 lakh upto 5 lakhs - 200/- per cheque
    Above 5 lakhs upto 10 lakhs - 225/- per cheque
    Above 10 lakhs - 250/- per cheque
    (plus other bank charges, if applicable)
      Cheque Return Charges (Outward and Inward) 200/- per cheque
      NEFT/RTGS/IMPS transactions (Online)  
      RTGS Outward Free
      NEFT Outward Free
      IMPS Payments Upto 1 lakh -5
    Above 1 lakh - 2 lakhs - 15
      Phone/Mobile Banking  
      Phone Banking Free
      SMS Alerts Free
      Doorstep Banking Services  
      Cash Pickup Charges (within city limits with a radius of 5 km from base branch) Not Available
      Cheque Pickup Charges (within city limits with a radius of 5 km from base branch) Not Available
      Other Charges  
      Quarterly Physical Statements Free
      Email Statements Free
      Stop Payment Instructions 100/- per cheque
      Signature, Address and Photo attestation 100/- per instance
      Duplicate Interest & Balance Certificate Issuance Charge 100/- per instance
      Account Related Charges  
      Account Closure Upto 14 days – Nil
    Above 14 days up to 12 months - 500/- Above 12 month- Nil.
     
    For Debit Card Variants & Charges, kindly refer to the Card Section
     
    For complete details on Fees and Charges, please click here
     

 

 

ABOUT US 

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POLICIES 

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REGULATORY DISCLOSURE 

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  • LCR
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  • EGM
  • BASEL- Pillar III Disclosures
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CONNECT WITH US 

  • Complaint Form

Address:

Utkarsh Tower,
NH-31(Airport Road),
Sehmalpur,Kazi Sarai,
Harhua, Varanasi,
PIN – 221105, Uttar Pradesh

Phone:
0542-2500596
1800 123 9878

Email:
[email protected]

[email protected]

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LICENSE 

  • RBI License
  • Authorized Dealer License
  • MFIN
  • CIN

 Disclaimer | Sitemap | Miscellaneous | Terms and Conditions | GST Registration Numbers

“Beware of Fictitious offers/ Lottery Winnings/Cheap Fund Offers – Do not fall prey to such fictitious offers by making remittance towards participation in such schemes/offers”

“Effective 1st September’19, TDS of 2% is applicable on cash withdrawal exceeding Rs. 1 crore in a financial year. For more details please click here ”

“Utkarsh Small Finance Bank Ltd." does not solicit/collect/request for payment of cash for its services/products. Beware of illegal/fraudulent entities using our brand name "UTKARSH" in any sequence/format.”

CIN: U65992UP2016PLC082804 (Utkarsh Small Finance Bank is ipv6 compliant)

 

Utkarsh Finance Bank

Complaint Form

I authorise Utkarsh Small Finance Bank Ltd. & its representatives to Call, SMS or Email me with reference to my complaint.

If the resolution you receive does not meet your expectations, you may communicate your concern further to our Nodal Officer at [email protected] If you are unsatisfied with the responses you receive after following the first two levels of the complaint mechanism, you may write further to Mr. Aravind Khandelwal, Principal Nodal Officer at [email protected] As per the Banking Ombudsman Scheme 2006, if your complaint is not resolved within one month from filing the complaint or if you are not satisfied with the reply, finally you can also write to Office of the Banking Ombudsman appointed by Reserve Bank of India.

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