Grow your wealth with

Utkarsh Small Finance Bank

07-08-2018 1
Our Foundation
From a Micro Finance Institution (NBFC-MFI) to a Small
Finance Bank (SFB), Utkarsh Small Finance Bank in India,
had an incredible journey.
2009-10
• First Loan disbursed on Sep 21, 2009.
• Client base of more than 8,000 in Uttar Pradesh.
• 2011-12
• Launched a new Loan Product-Micro Enterprise Loan.
Campaign Client Protection Certificate.

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Our Foundation
2012-13
• Received Microfinance India Organisation of the Year Award
(Small and Medium Category)
• Started National Pension System Services.
2013-14
• Upgraded RBI License to NBFC-MFI.
• Client base of more than 3 Lakhs.
• Received Mix STAR (Socially Transparent And Responsible)
Award.
2014-15
• Received Smart Campaign Client Protection Certificate.

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Our Foundation
2015-16
• Received CIMSME’s MSME Banking Excellence Award.
• Grading upgraded to M1 (Highest) by ICRA Ltd.
• Started Pilot for Affordable Housing Loan Product.
2016-17
• Received Skoch (Gold) – 2016 Award for Inclusive Insurance.
• CARE assigned Rating of A (A Stable) on Bank Loan Rating.
• Received Final License of Small Finance Bank from RBI.

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Our Foundation
2017-18
• Launch of full Banking Services by honorable Prime Minister.
• Received Commercial Bank status.
• Client base of more than 13 Lakh.
• Current Outreach - Over 400 Banking Outlets.
• Started Wholesale Lending Business.
• 2018-19
• Received MFIN Microfinance Award 2018.
• Client base of more than 15 Lakh

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Our Vision & Mission

Vision
• To be the trusted financial service provider to
over 10 million customers by 2021.

Mission
• To provide affordable & accessible banking
services which are process centric, technology
enabled and people oriented resulting in
reliable, scalable and sustainable institution
facilitating socioeconomic change.

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Save better with us Our High Interest Savings Account
Utkarsh Small Finance Bank values your effort of saving.
Therefore, it offers high interest rate on its wide range of
savings account. So whether it is a basic account, salary
account, minor account or joint savings account, you get the
best banking experience through our range of high interest
savings accounts

Savings
Account

Standard Premium Minor Standard Premium

Savings Savings Savings Salary Salary BSBDA BSBDA Small
Account Account Account Account Account

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BSBDA & BSBDA Small
BSBDA Savings Account:
The Basic Savings Bank Deposit Account by Utkarsh Bank is
like any other banking service of savings account and is
available to all sections of society.
• No Minimum Balance required
• Free Debit Card Facilities

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BSBDA & BSBDA Small
• BSBDA Small Savings Account:
Apart from high interest savings account, BSBDA Small
Savings Account offers added benefits including a shopping
limit of Rs.10,000 per month and a withdrawal limit of Rs.
10,000 per month from any ATM.
• Every account holder is given the Passbook Facility.
• You can benefit from our Four Free Transaction per month
at all branches too.

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Standard & Premium Savings Account
Standard Savings Account:
Whether you hold an Individual or a Joint Savings Account,
your account has the potential to earn up to 6%* interest
rate.
• Free unlimited ATM Transactions across all Bank ATMs
within India;
• Classic Rupay Debit Card with Personal Accidental
Insurance cover;
• Quarterly/Half Yearly balance requirement instead of
monthly.
• * Terms & Conditions Apply

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Standard & Premium Savings Account
Premium Savings Account:
•An account that brings to your privileges more than just
banking. Premium Savings Account is a 6%* interest savings
account with features like personalised services, lifestyle
benefits, various transactional offers, etc. Access to
Premium Lounge at airports and Lifestyle Privileges;
• Doorstep Banking Services;
• Free online transaction facility.

• * Terms & Conditions Apply

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Salary & Minor Savings Account
Salary Savings Account:
Salary Account with Utkarsh Small Finance Bank is a Zero
Balance Account. With this high interest savings account you
get the benefit of smart banking and a range of modern and
customised investment solutions.
• Zero Balance Savings Account;
• Free and Unlimited ATM Access (own/other) Bank;
• Classic/Platinum Debit Card with Personal Accident
Insurance Cover.

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Salary & Minor Savings Account
Minor Savings Account:
Now introduce your child to the world of banking with
Utkarsh Small Finance Bank Minor Savings Account which is
customised specially for kids under the age of 18.
• Facility to auto transfer funds to Minor's Account;
• Classic Rupay Debit Card with Unlimited Free ATM access
at (own/other) Banks within India;
• Lower ATM withdrawal and purchase limits as protection
against misuse.

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Start Saving for your Dreams
Explore Utkarsh Small Finance Bank Recurring Deposit and
Term Deposit Schemes
Fixed Deposit:
Fixed Deposit is a one-time investment plan that gives you
greater return at the term end. You can earn up to 8.5%*
interest rate on your Term Deposit. If you compare term
deposit interest rates across banks, Utkarsh Small Finance
Bank is one of the leading Banks that offers higher interest
rate on Fixed Deposit Schemes
• Earn higher returns on your surplus;
• Enjoy additional returns for senior citizens;
• Facility of Quarterly and Monthly Pay-Outs.
• * Terms & Conditions Apply
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Start Saving for your Dreams
•Recurring Deposit:
•Now invest your monthly surplus in our Recurring Deposit
Account and give your funds a steady growth. To help you
get started, we accept investment amount as small
as Rs100.
• An individual can make a Joint Recurring Deposit Account;
• Higher interest rates;
• The Quarterly compounded interests make you reap the
most out of the scheme.
• * Terms & Conditions Apply

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Explore more investment products with
Utkarsh Small Finance Bank
Visit www.utkarsh.bank to know more.

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