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  • Business Standard Account
  • Business Premium Account
  • UPI EASY ACCOUNT
  • Business Plus Account
Home Business Accounts Current Account Business Plus Account

Business Plus Account

The Business Plus account is a bespoke solution curated for self-employed Individuals & Proprietors. Product enables customer to earn savings bank interest on their current account balance.

Along with current account, bank will open linked virtual Savings Account (in name of Proprietor). Day end balance above 50,000/- (For Metro/Urban Branches) & above 25,000/- (For Semi Urban/Rural Branches) in current account will be automatically transferred to the linked virtual Savings Account, thereby emphasizing liquidity with higher interest returns on surplus funds, and offering maximum returns to customers. Unlike FD’s this will give an edge to the client to earn interest on overnight balances as well.

 

  • Benefits
  • FAQs
  • Fee & Charges
  1. Nil “Non-Maintenance Charges”.
  2. Monthly Free Cash Deposit limit at Home Branch of 10 Lakh and at Non- base Branch of 5 Lakh.
  3. No TDS deduction on accrued interest in Savings Bank Account.
  4. Auto sweep-in/sweep-out facility available. Customer may transfer or withdraw funds from branch /ATM anytime. Money will be automatically swept-in from his/her linked Virtual Savings Account (Provided sufficient balance is available in Virtual Savings Account).
  5. Unlimited free Cash Withdrawaltransactions at home branch.
  6. Free Online transactions through Real-Time Gross Settlement (RTGS), National Electronic Funds Transfer (NEFT) & IMPS.
  7. Free Email Statement.
  8. Doorstep Banking Services(as per applicability).
  9. Issuance of Ru-pay Platinum Debit Card, with option of Card upgradation program.
  10. Earn interest on balance maintained in virtual savings account*.
Who can open a Business Plus Account?
An Individual and a Sole Proprietorships concern can open a Business Plus Account.
What is the main feature of Business Plus Account?
Business Plus Account is linked with a virtual saving account, wherein any account balance held above minimum average balance in Business Plus Account will get transferred to the linked virtual saving account at the end of the day, thereby emphasizing liquidity with higher interest returns on surplus funds, and offering maximum returns to customers. Unlike FD’s this will give edge to the client to earn interest overnight.
What is the initial funding requirement in Business Plus Account?
Minimum initial funding requirement of 25,000 for Metro/Urban Branches and 12,500 for Semi-Urban/Rural Branches.
How many monthly free cash deposit limits are allowed in Business Plus Account?
Monthly free cash deposit limit at base branch of 10 lakhs and at non-base branch of 5 lakhs.
How many free Cheque leaves will be issued?
Two cheque books containing 50 leaves each per quarter shall be issued.
Is there any Non-Maintenance Charges in Business Plus Account?
No, there is NIL “Non-Maintenance Charges” in Business Plus Account.
How the linked Virtual Saving Account will get funded?
The surplus amount in Business Plus Account above minimum average balance requirement will be automatically swept-in into the virtual savings account at the end of day (EOD).
How does the Business Plus Account maintain AQB?
If the aggregate balance falls below the required minimum average balance in a Business Plus Account, then system will automatically sweep-out the short fall amount from the linked virtual saving account thereby maintaining requisite minimum average balance.
What if my money stays overnight in virtual saving account?
If Money stays overnight in the virtual saving account, it earn interest for that day on the amount parked in the virtual savings account.

 

BUSINESS PLUS CURRENT ACCOUNT
 
Minimum Balance Requirement
Business Plus Current Account Virtual Savings Account (linked with Business Plus Account) 
  AQB
  Metro & Urban Branches

50,000/-

Nil

  Semi-Urban & Rural Branches

25,000/-

Nil

  Chages for Non-Maintenance

Nil

Nil

  Sweep in/Sweep Out Balance Criteria If the aggregate balance falls in Business plus Account below
50,000/- in Metro & Urban Branches
25,000/- in Semi-Urban & Rural Branch
then system will sweep out the short fall amount from the linked Virtual Savings Account and maintain the balance in
Business Plus Account

The surplus amount in Business plus Account above  50,000/- in Metro & Urban Branches & 25,000/- in Semi-Urban & Rural Branch , will be automatically sweep-in  to Virtual Savings Account, at End of Day (EOD). 

  Initial funding requirement

25,000/- for Metro & Urban Branches
12,500/- for Semi-Urban & Rural Branches

Not Applicable

  Demand Drafts/Pay Order  
  DD Revalidation

100/- per instance

Not Applicable

  Duplicate DD Issuance

100/- per instance

Not Applicable

  Demand Drafts payable at own bank locations Upto10,000/-50/- Above 10,000/-
4/- per 1,000/-(Min 50/- Max 1000/-)

Not Applicable

  DD/PO Cancellation

100/- per instance

Not Applicable

  Cheque Issuance/ Collection Charges  
  Cheque Book (50 leaves) Two free cheque book per quarter

Not Applicable

  Charges Beyond Free Limit

2/- per leaf
(100/- per cheque book)

Not Applicable

  Local Cheque Collection and Payments at Base Branch Location & Fund Transfer Free

Not Applicable

  Cheque Return Charges (Outward)

200/- per cheque

Not Applicable

  Cheque Return Charges (Inward)

500/- per cheque

Not Applicable

  Branch Cash Transactions  
  Cash Deposit Transactions - Free limits/month Base Branch: 10 lakhs
Non-base Branch: 5 lakh

Not Applicable

  Cash Deposit Transactions - Charges beyond Free limit

3/- per 1000 (Min 50/-)

Not Applicable

  Cash Withdrawal (Base Branch) Unlimited

Not Applicable

  Cash Withdrawal charges beyond free limit Not Applicable

Not Applicable

  Cash Withdrawal (Non- Base Branch) - Free limit Free upto 5 lakhs per month

Not Applicable

  Cash Withdrawal (Non-base Banking outlet) - Charges beyond Free Limit

2/- per 1,000/-

Not Applicable

  NEFT/RTGS Transactions (Branch Banking)  
  RTGS Outward Free

Not Applicable

  NEFT Outward Free

Not Applicable

  IMPS Payments Free

Not Applicable

  Phone/Mobile Banking  
  Phone Banking Free

Not Applicable

  SMS Alerts 50 p. per SMS Periodicity: Monthly

Not Applicable

  Doorstep Banking Services  
  Doorstep Banking Services
(Within City limits) Cash
Please contact the nearest Branch

Not Applicable

  Doorstep Banking Services
(Within City limits) Cheque
One Pickup free per day
(at selected locations)

Not Applicable

  Other Service Charges  
  Physical Account Statements (Quarterly) Free

Not Applicable

  Email Account Statements (Quarterly) Free

Not Applicable

  Stop Payment Instructions

100/- per cheque

Not Applicable

  Signature Verification/Address Confirmation

100/- per instance

Not Applicable

  Balance Certificate Free

Not Applicable

  Confidential Report/Credit Confirmation Free

Not Applicable

  Solvency Attestation Free

Not Applicable

  Photo Attestation Free

Not Applicable

  Activation of Inoperative Account Free

Not Applicable

  Account Related Charges  
  Account Closure Within 14 days - Nil
After 14 days to 12 months- 500/-
Above 12 months:250/-

Not Applicable

 
For complete details on Fees and Charges effective from 01st Jan 2023 click here
  • Benefits
    1. Nil “Non-Maintenance Charges”.
    2. Monthly Free Cash Deposit limit at Home Branch of 10 Lakh and at Non- base Branch of 5 Lakh.
    3. No TDS deduction on accrued interest in Savings Bank Account.
    4. Auto sweep-in/sweep-out facility available. Customer may transfer or withdraw funds from branch /ATM anytime. Money will be automatically swept-in from his/her linked Virtual Savings Account (Provided sufficient balance is available in Virtual Savings Account).
    5. Unlimited free Cash Withdrawaltransactions at home branch.
    6. Free Online transactions through Real-Time Gross Settlement (RTGS), National Electronic Funds Transfer (NEFT) & IMPS.
    7. Free Email Statement.
    8. Doorstep Banking Services(as per applicability).
    9. Issuance of Ru-pay Platinum Debit Card, with option of Card upgradation program.
    10. Earn interest on balance maintained in virtual savings account*.
  • FAQs
    Who can open a Business Plus Account?
    An Individual and a Sole Proprietorships concern can open a Business Plus Account.
    What is the main feature of Business Plus Account?
    Business Plus Account is linked with a virtual saving account, wherein any account balance held above minimum average balance in Business Plus Account will get transferred to the linked virtual saving account at the end of the day, thereby emphasizing liquidity with higher interest returns on surplus funds, and offering maximum returns to customers. Unlike FD’s this will give edge to the client to earn interest overnight.
    What is the initial funding requirement in Business Plus Account?
    Minimum initial funding requirement of 25,000 for Metro/Urban Branches and 12,500 for Semi-Urban/Rural Branches.
    How many monthly free cash deposit limits are allowed in Business Plus Account?
    Monthly free cash deposit limit at base branch of 10 lakhs and at non-base branch of 5 lakhs.
    How many free Cheque leaves will be issued?
    Two cheque books containing 50 leaves each per quarter shall be issued.
    Is there any Non-Maintenance Charges in Business Plus Account?
    No, there is NIL “Non-Maintenance Charges” in Business Plus Account.
    How the linked Virtual Saving Account will get funded?
    The surplus amount in Business Plus Account above minimum average balance requirement will be automatically swept-in into the virtual savings account at the end of day (EOD).
    How does the Business Plus Account maintain AQB?
    If the aggregate balance falls below the required minimum average balance in a Business Plus Account, then system will automatically sweep-out the short fall amount from the linked virtual saving account thereby maintaining requisite minimum average balance.
    What if my money stays overnight in virtual saving account?
    If Money stays overnight in the virtual saving account, it earn interest for that day on the amount parked in the virtual savings account.
  • Fee & Charges

     

    BUSINESS PLUS CURRENT ACCOUNT
     
    Minimum Balance Requirement
    Business Plus Current Account Virtual Savings Account (linked with Business Plus Account) 
      AQB
      Metro & Urban Branches

    50,000/-

    Nil

      Semi-Urban & Rural Branches

    25,000/-

    Nil

      Chages for Non-Maintenance

    Nil

    Nil

      Sweep in/Sweep Out Balance Criteria If the aggregate balance falls in Business plus Account below
    50,000/- in Metro & Urban Branches
    25,000/- in Semi-Urban & Rural Branch
    then system will sweep out the short fall amount from the linked Virtual Savings Account and maintain the balance in
    Business Plus Account

    The surplus amount in Business plus Account above  50,000/- in Metro & Urban Branches & 25,000/- in Semi-Urban & Rural Branch , will be automatically sweep-in  to Virtual Savings Account, at End of Day (EOD). 

      Initial funding requirement

    25,000/- for Metro & Urban Branches
    12,500/- for Semi-Urban & Rural Branches

    Not Applicable

      Demand Drafts/Pay Order  
      DD Revalidation

    100/- per instance

    Not Applicable

      Duplicate DD Issuance

    100/- per instance

    Not Applicable

      Demand Drafts payable at own bank locations Upto10,000/-50/- Above 10,000/-
    4/- per 1,000/-(Min 50/- Max 1000/-)

    Not Applicable

      DD/PO Cancellation

    100/- per instance

    Not Applicable

      Cheque Issuance/ Collection Charges  
      Cheque Book (50 leaves) Two free cheque book per quarter

    Not Applicable

      Charges Beyond Free Limit

    2/- per leaf
    (100/- per cheque book)

    Not Applicable

      Local Cheque Collection and Payments at Base Branch Location & Fund Transfer Free

    Not Applicable

      Cheque Return Charges (Outward)

    200/- per cheque

    Not Applicable

      Cheque Return Charges (Inward)

    500/- per cheque

    Not Applicable

      Branch Cash Transactions  
      Cash Deposit Transactions - Free limits/month Base Branch: 10 lakhs
    Non-base Branch: 5 lakh

    Not Applicable

      Cash Deposit Transactions - Charges beyond Free limit

    3/- per 1000 (Min 50/-)

    Not Applicable

      Cash Withdrawal (Base Branch) Unlimited

    Not Applicable

      Cash Withdrawal charges beyond free limit Not Applicable

    Not Applicable

      Cash Withdrawal (Non- Base Branch) - Free limit Free upto 5 lakhs per month

    Not Applicable

      Cash Withdrawal (Non-base Banking outlet) - Charges beyond Free Limit

    2/- per 1,000/-

    Not Applicable

      NEFT/RTGS Transactions (Branch Banking)  
      RTGS Outward Free

    Not Applicable

      NEFT Outward Free

    Not Applicable

      IMPS Payments Free

    Not Applicable

      Phone/Mobile Banking  
      Phone Banking Free

    Not Applicable

      SMS Alerts 50 p. per SMS Periodicity: Monthly

    Not Applicable

      Doorstep Banking Services  
      Doorstep Banking Services
    (Within City limits) Cash
    Please contact the nearest Branch

    Not Applicable

      Doorstep Banking Services
    (Within City limits) Cheque
    One Pickup free per day
    (at selected locations)

    Not Applicable

      Other Service Charges  
      Physical Account Statements (Quarterly) Free

    Not Applicable

      Email Account Statements (Quarterly) Free

    Not Applicable

      Stop Payment Instructions

    100/- per cheque

    Not Applicable

      Signature Verification/Address Confirmation

    100/- per instance

    Not Applicable

      Balance Certificate Free

    Not Applicable

      Confidential Report/Credit Confirmation Free

    Not Applicable

      Solvency Attestation Free

    Not Applicable

      Photo Attestation Free

    Not Applicable

      Activation of Inoperative Account Free

    Not Applicable

      Account Related Charges  
      Account Closure Within 14 days - Nil
    After 14 days to 12 months- 500/-
    Above 12 months:250/-

    Not Applicable

     
    For complete details on Fees and Charges effective from 01st Jan 2023 click here

 

 

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Registered Office 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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“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)

 

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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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