Name: Utkarsh Bank
Address: S-24/1-2, First Floor,Mahavir Nagar,Orderly Bazar, Near Mahavir Mandir, Varanasi, 221002, India
Telephone: 1800 123 9878

Business ATM Banking

ATM Banking is a new solution that makes your banking processes faster, easier and is available 24*7. Now carry out a list of banking tasks - Balance inquiry, PIN change, generating Mini statement, Money transfer to linked accounts, new ChequeBook Request, Register for SMS banking, all without having to visit our branch.

Apply online

Services
Dos and Donts
FAQs

Cash Withdrawal
Our ATM's offer Higher Withdrawal Limit that is quick and hassle-free. We do accept all Bank's ATM Card.

ChequeBook request
You no longer need to visit our branch. Just walk into the nearest ATM and place a request for new ChequeBook. We will deliver it to your doorstep.

Mini Statement
Keep a track of your past transactions with a printed statement rather than visiting our branch to update your passbook.

Do’s:

Always keep your Password secret! Never write your Password on your card or store it with your card. Memorize your Password.
Report lost or stolen Debit Cards immediately. To report your Card as lost or stolen please call, 1800-123-9878 between 7:00 AM to 9:00 PM
At point of sale locations or stores, ask your Debit Card transactions to be processed as credit transactions. These transactions require your signature vs. your PIN. The less you use your PIN in public, less is the chance someone will obtain it.
Take all receipts from ATM’s. Keep them for verification against your monthly statement.
Block the view of keypads when using ATM’s.
Keep your cards in a safe place.
Cancel all inactive Debit Cards.
Protect the Card’s magnetic stripe. Do not expose your Card to magnetic devices.
Look for fraudulent devices attached to ATM’s or gas pump card readers. If the machine appears to have any attachments or alterations do not use it and report the problem to the appropriate financial institution or vendor.

Don’ts:

Do not give any Debit Card information over the phone or Internet. This includes your 16-digit card number and your PIN. No one needs to know your PIN, not even your financial institution.
Do not allow anyone else to use your Card or enter your PIN for you.
Do not use poorly lit ATM locations.

How do I apply for an ATM Card?
You can request for an ATM Card at the time of account opening.

What type of cards can I use at the ATM?
ATM Cards, Debit Card or any Card with Visa, Maestro or Master Card on it can be used at any ATM.

What should I do when my Card gets stuck in an ATM?
Do not leave the machine where your Card is stuck, and immediately contact the branch from where you issued the Card.

During the cash withdrawal process, the amount wasn't dispensed but my account has recorded the debit. What should I do?
You can lodge a complaint at branch that issued your Card. This is applicable for withdrawals being made at other bank ATM's

Benefits

Free Unlimited ATM transactions across all Bank ATMs within India

Classic Rupay Debit Card with Personal Accidental Insurance cover of Rs.1 Lakh*

Quarterly/half yearly balance requirement instead of monthly
Eligibility

Anyone residing in India or a Hindu undivided family can apply for an Utkarsh Standard Savings Account.

Documents

Any resident of India or a Hindu Undivided Family can apply to open a Standard Savings Account.

Latest passport size photograph
Aadhaar Card
Address and identity proof documents

For a full list of address and identity proof documents, click here.

Documents required to open a Standard Savings Account - Hindu Undivided Family

PAN Card copy/Form 60 of HUF
Declaration from the Karta
Proof of identification and address of Karta as per documentation for individual
Prescribed Joint Hindu Family Letter signed by all the adult holders

Documents Acceptable as Proof of Identity & Address (For Domestic Individual Savings Accounts)*- Opening of Accounts /Address Change/Periodic Updation of KYC (Re-KYC)

SI No	Type of Document	ID Proof	Address Proof
1	Passport	Yes	Yes
2	Driving Licence	Yes	Yes
3	Permanent Account Number(PAN)	Yes	No
4	Voters ID Card(Issued by Election Commission of India)	Yes	Yes
5	Job Card by NREGA duly signed by an officer of the State Government	Yes	Yes
6	Aadhaar Card	Yes	Yes

***A customer shall not be required to furnish separate proof of current address, if it is different from the address recorded in OVD. In such cases, the customer is required to submit a declaration indicating the address to which all correspondence will be made by the bank/branch subject to positive field verification by the branch official which needs to be recoded
*Kindly contact the nearest branch in case you don’t have any of the above mentioned documents.

Fees & Charges

Schedule of Charges: Standard Savings Account
AQB Requirements	AQB Non-Maintenance Charges
Metro/Urban : Rs.10,000/ -AQB	Metro/Urban: Rs.25 per Rs.500 of shortfall, Max Rs.350 for quarter;
Semi Urban/Rural : Rs.5,000	Semi Urban/Rural: Rs.25 per Rs.5,00 of shortfall, Max Rs.250 for half year

Debit Card	Rupay Card - Classic
Card Fees	Issuance Fee (Primary Holder): Rs.50 Annual Fee (Primary Holder): Free for first year, Rs.50 from subsequent year
Withdrawal Limit	ATM 5,000 per day
Per Transaction Limits	Rs.20,000 (own Bank ATM) Rs.10,000 (other Bank ATM)
Shopping Limit	POS Rs.1,00,000 per day
Per Transaction Limits	POS Rs.25,000
ATM Transactions	Unlimited Free transactions
Other ATM Card Charges	PIN Regeneration Charges – NIL (Green Pin) Card Replacement Charges - 100 Add on Charges – Rs.100

Service Type	Free limit	Charges Beyond Free Limit
Cash Deposit Transactions	Rs.5 Lakhs/10 transactions	Rs.2.50 per Rs.1,000 (Min. Rs.20 )
Chequebook	One Free Chequebook per quarter (20 leaves)	Rs.2 leaf

DD/PO transactions

Demand Drafts Payable on own Bank locations:
Upto Rs.2,000 Rs.20
Above Rs.2,001 upto Rs.10,000 Rs.50
Above Rs.10,000 Rs.2 Rs.1,000
(Min Rs.60 & Max Rs.1,500 )
Payable at corresponding bank locations: Rs.1 per thousand, min Rs.25 DD + Correspondent Bank charges
Revalidation / Duplicate DD: Rs.100
Cancellation: Rs.100

For complete details on Fees and Charges, please click here

Eligibility

What is the interest rate applicable?
The rate of interest depends on the average quarterly balance maintained in the account. Your Account has the potential to earn up to 6%* interest rate. Please visit the nearest Utkarsh Small Finance Bank Branch for more details.

What is the minimum Average Monthly Balance (AMB) required for a Standard Savings Account?
The biggest advantage our customers have is that we request them to maintain an Average Quarterly Balance (AQB) instead of a monthly balance. Metro/urban customers can enjoy classic banking services with an Average Quarterly Balance (AQB) of just Rs.10,000 and semi-urban/rural customers can enjoy the same at Rs.5,000 of half yearly average balance.

What is the daily transaction limit?
The daily ATM withdrawal limit for our customers is Rs.40,000 and the shopping limit is Rs.1,00,000 (POS).

Who is eligible to open a Standard Savings Account?
Any resident of India or a Hindu Undivided Family can apply to open a Standard Savings Account.