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      • Debit Card Upgradation Program
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      • Insurance & investments
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        • Back to Micro Banking Group Loans
        • Utkarsh Pragati
        • Utkarsh Kiran
        • Utkarsh Asha
      • MSME Loans
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        • Micro Enterprise Loan
        • Business Loan
        • BL Secured+
        • Small Business Loan
        • Enterprise Loan
        • Smart Enterprise Loan
        • LAP- Prime
        • Utkarsh Biz Secure
        • GECL
        • Loan for Purchase of Commercial Property
        • Utkarsh Lease Secure
        • Utkarsh Smart Business
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        • Business Correspondent
      • Individual Business Loan
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Utkarsh - Premium Saving Account Utkarsh - Premium Saving Account Utkarsh - Premium Saving Account

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

Premium Savings Account

An average quarterly balance of 50,000 is required to be maintained or minimum composite total relationship value of 500,000 is required to be maintained collectively in the current, savings and term deposit accounts, linked to the Premium Savings Account. Customers are offered unlimited free domestic transactions at any ATM. A Platinum Rupay debit card with an accidental policy cover of up to 200,000, is also offered to the account holder. The interest is calculated on daily product basis and credited quarterly.

 

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  • Eligibility
  • Benefits
  • FAQs
  • Fees and Charges
Anyone residing in India or a Hindu Undivided Family can apply for an Utkarsh Premium Savings Account.
  1. Access to Premium Lounge at airport and Lifestyle Privileges
  2. Doorstep Banking Services*
  3. Free online transaction facility across all channel
  4. Unlimited Free ATM transactions across all ATMs (own/other) within India
  5. Platinum Rupay Debit Card with Personal Accidental Insurance Cover of 2 Lakh*
  6. 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 Lakh

6.50% p.a.

 

Incremental Balance above  25 Lakh

7.00% p.a.

 

* Conditions Apply

What is the Interest Rate Applicable?

Interest Rate on Domestic Savings Account Deposits with effect from June 01, 2022 as follows:

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

How is the Interest Calculated?
The interest is calculated on daily product basis and credited quarterly.
What is the Average Quarterly Balance requirement?
You are required to maintain an Average Quarterly Balance of 50,000 or total relationship of 5,00,000 in your Savings and FD A/C.
Which Debit Card comes along with Premium Savings Account?
A Platinum Rupay debit card with an accidental policy cover of up to 200,000, is also offered to the account holder.
 
  Premium Savings Account
  Average Balance Requirements Premium Savings Account
  AQB
  Metro & Urban Branches 50,000/- or relationship of 5 lakhs
  Semi-Urban & Rural Branches 50,000/- or relationship of 5 lakhs
  Chages for Non-Maintenance 25/- per 500/- of shortfall
  Branch Cash Transactions  
  Cash Deposit Transactions- Free limits/month 20 lakhs
  Charges Beyond Free Limit  3 per 1000 (Min 50)
  Cash Deposit Transactions(Folio Charges) Unlimited transactions
  Charges Beyond Free Limit Not Applicable
  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 Two free cheque books 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 Free
  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) 2 visits/month free
Max. 50,000/- per visit
After free limit : 250/-
  Cheque Pickup Charges (within city limits with a radius of 5 km from base branch) 2 visits/month free
After free limit : 250/- visit
  Other Charges  
  Quarterly Physical Statements Free
  Email Statements Free
  Stop Payment Instructions 100/- per cheque
  Signature, Address and Photo attestation Free
  Duplicate Interest & Balance Certificate Issuance Charge Free
  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
    Anyone residing in India or a Hindu Undivided Family can apply for an Utkarsh Premium Savings Account.
  • Benefits
    1. Access to Premium Lounge at airport and Lifestyle Privileges
    2. Doorstep Banking Services*
    3. Free online transaction facility across all channel
    4. Unlimited Free ATM transactions across all ATMs (own/other) within India
    5. Platinum Rupay Debit Card with Personal Accidental Insurance Cover of 2 Lakh*
    6. 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 Lakh

    6.50% p.a.

     

    Incremental Balance above  25 Lakh

    7.00% p.a.

     

    * Conditions Apply

  • FAQs
    What is the Interest Rate Applicable?

    Interest Rate on Domestic Savings Account Deposits with effect from June 01, 2022 as follows:

    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

    How is the Interest Calculated?
    The interest is calculated on daily product basis and credited quarterly.
    What is the Average Quarterly Balance requirement?
    You are required to maintain an Average Quarterly Balance of 50,000 or total relationship of 5,00,000 in your Savings and FD A/C.
    Which Debit Card comes along with Premium Savings Account?
    A Platinum Rupay debit card with an accidental policy cover of up to 200,000, is also offered to the account holder.
  • Fees and Charges
     
      Premium Savings Account
      Average Balance Requirements Premium Savings Account
      AQB
      Metro & Urban Branches 50,000/- or relationship of 5 lakhs
      Semi-Urban & Rural Branches 50,000/- or relationship of 5 lakhs
      Chages for Non-Maintenance 25/- per 500/- of shortfall
      Branch Cash Transactions  
      Cash Deposit Transactions- Free limits/month 20 lakhs
      Charges Beyond Free Limit  3 per 1000 (Min 50)
      Cash Deposit Transactions(Folio Charges) Unlimited transactions
      Charges Beyond Free Limit Not Applicable
      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 Two free cheque books 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 Free
      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) 2 visits/month free
    Max. 50,000/- per visit
    After free limit : 250/-
      Cheque Pickup Charges (within city limits with a radius of 5 km from base branch) 2 visits/month free
    After free limit : 250/- visit
      Other Charges  
      Quarterly Physical Statements Free
      Email Statements Free
      Stop Payment Instructions 100/- per cheque
      Signature, Address and Photo attestation Free
      Duplicate Interest & Balance Certificate Issuance Charge Free
      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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  • Vision & Mission
  • CSR Activities
  • CSR Documents

PRODUCTS 

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  • Loans
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POLICIES 

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  • Comprehensive Notice Board
  • Corporate Governance Policy

REGULATORY DISCLOSURE 

  • MCLR
  • Disclosures as per SEBI (LODR)
  • LCR
  • Annual Report
  • Annual Return
  • AGM
  • EGM
  • BASEL- Pillar III Disclosures
  • Fintech Partners
  • NSFR
  • RBI Kehta Hai

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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