Business Standard Account

Every Business needs are carefully understood by our team. We offer bespoke services as per your business requirement. For Business Standard Account, the Average Quarterly Balance of 10,000 at Metro/Urban banking outlets and 5,000 at Semi-Urban /Rural banking outlets is required to be maintained. We provide free cash deposit limit of 2,00,000 per month and unlimited cash withdrawal at home banking outlet. In addition, other features include free 150 transactions per quarter, no Debit Card annual charges on RuPay Classic Debit Card for the first year and competitive charges on digital transactions.




1 reward point on every 100 spends on debit card

15% discount


15% discount

1 reward point on every 100 spends on debit card




Cash withdrawal on Utkarsh Bank ATMs

We offer our valued customers:
  • Free 150 transactions per quarter

  • Enjoy Unlimited cash withdrawal at home banking outlet branch

  • Free cash deposit transactions per month of 2 Lakh at home banking outlet and 1 Lakh* at non-home banking outlet

  • Avail exclusive benefits with RuPay Classic Debit Card

  • Enjoy convenient payment acceptance with POS facility

* T&C Apply

Business Standard
Average Balance Requirements AQB
Metro & Urban Branches 10,000/-
Semi-Urban & Rural Branches 5,000/-
Charges for Non-Maintenance 500/-
Branch Outlet Cash Transactions
Cash Deposit Transactions - Free limits/month Base Branch: 2 lakhs
Non-base Branch: 1 lakh
Cash Deposit Transactions - Charges beyond Free limit 3/- per 1000/- [Min 50/-]
Cash Withdrawal [Base Branch] Unlimited
Cash Withdrawal [Non-base Banking outlet] - Free Limit Free upto 2 lakhs per month
Cash Withdrawal [Non-base Branch Free Limit] - Charges beyond Free Limit 2/- per 1,000/-
Account Maintenance - Free Limit 150 Transactions per quarter
[Cash, Clearing and Intra-bank transfer]
Account Maintenance - Charges beyond Free Limit 10/- per transaction
DD/PO Issuance
Demand Drafts Payable at own Bank Locations Upto 10,000/- 50/-
Above 10,000/- 4/- per 1,000/-
[Min 50/- Max 1000/-]
Revalidation 100/- per instance
Duplicate DD Issuance 100/- per instance
DD/PO Cancellation 100/- per instance
Cheque Issuance/ Collection Charges
Free Leaves One cheque book free per quarter
[50 leaves]
Charges Beyond Free Limit 2/- per leaf
[100/- per cheque book]
Local Cheque Collection and Payments at Base Branch Location & Fund Transfer Free
Cheque Return Charges [Outward] 200/- per cheque
Cheque Return Charges [Inward] 500/- per cheque
NEFT/RTGS/IMPS transactions [Online]
RTGS Outward Free
NEFT Outward Free
IMPS Payments 1 - 1000 - 2.50
1000 - 25000 - 5.00
25000 - 500000 - 15.00
Doorstep Banking Services
Doorstep Banking Services
[Within City limits] Cash
Please contact the nearest Branch
Doorstep Banking Services
[Within City limits] Cheque
200/- per call
[at selected locations]
Other Charges
Physical Account Statements [Quarterly] Free
Email Account Statements [Quarterly] Free
Stop Payment Instructions 100/- per cheque
Signature Verification/Address Confirmation 100/- per instance
Balance Certificate 100/- per instance
Confidential Report/Credit Confirmation Free
Solvency Attestation 100/- per instance
Photo Attestation Free
Activation of Inoperative Account Free
SMS Alerts

25 paisa per SMS

Subject to maximum amount of ₹ 25 per quarter


actual amount

whichever is lower.     

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

For Debit Card Variants & Charges, kindly refer to the Card Section

For complete details on Fees and Charges effective from 01st April 2024, please click here


Apply to Business Standard Account

Loan calculator

Amount ()

1 Lac

10 Cr

Tenure ( )

1 Month


Interest Rate (%)



Equated Monthly installments (EMI)


Need more Information?
Deposit Amount
Interest Earned

Interest Rate


Interest Earned


Maturity Value


Maturity Date

20 Apr 2023

(Indicative interest rates for calculation only. click here for latest rates.)


Yes, an Individual can open a Current Account. Please visit branch for more details.

You get 50 cheque leaves per quarter.

Yes, you enjoy unlimited free transaction between Utkarsh Small Finance Bank accounts.

Please visit your nearest Utkarsh Small Finance Bank branch or call 1800-123-9878, 24×7 [Except National Holidays]

You need to provide the following documents to open a Current Account for your company:

  1. Certificate of Incorporation
  2. Memorandum and Articles of Association
  3. Board resolution authorising the opening and operation of the Account
  4. PAN or General Index Registrar [GIR] number
  5. List of Directors with residential addresses
  6. PAN Card & Aadhaar Card of Authorised Signatories.
  7. Firms Address Proof if not mentioned in Certificate of Incorporation.

You can make 150 free transaction per quarter.
A charge of 10 per transaction will be applied for transactions beyond free limit


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