Internet Banking

- COVID-19 Precautionary Steps
  
  Considering COVID-19 we have taken precautionary steps demanded by the situation. Our branches will be open, with required hygiene measures and reduced staff.
- Revision in Savings Account Interest Rates
  
  Revision in Savings Account Interest rates effective April 01, 2022
- Customer Compensation and Protection Policy limiting the liability of customers in unauthorized electronic transactions is available under Bank Policies section for perusal of customers.
- Our Avinashi branch located at The Utkarsh BANK Ltd. Shop No 5/215 Rajan Nagar Opp to weekly Market, K K Pudur post Avinashi Taluk, Tirupur - 641654, will be closed w.e.f April 30, 2022. It is being merged with our Tirupur branch.
- Personal Banking
- Corporate Banking

Group Loans

Utkarsh Small Finance Bank offers you a complete Digital Banking Solution. This facility lets you access your account and perform a wide range of transactions anytime, anywhere at your convenience. Using our internet banking option, you can now generate Account summary, Remit money, Apply for Debit Cards, Generate Debit Card PIN, etc. all with a click of a button.

Get

Rewards

1 reward point on every ₹ 100 spends on debit card

Get

15% discount

1 reward point on every ₹ 100 spends on debit card

Get

Free

Cash withdrawal on Utkarsh Bank ATMs

The following benefits can be availed online, through Utkarsh Small Finance Bank website:

Transfer funds

Transfer funds to Own Bank accounts
Transfer funds to other Utkarsh Small Finance Bank Customers
Transfer funds to other Bank account through IMPS
Transfer funds to other Bank account through NEFT
Transfer funds to other Bank account through RTGS
Transfer funds to Bank accounts other than Utkarsh Small Finance Bank account through MMID

Payee Management

Add Utkarsh Small Finance Bank payees
Add other Bank payees
View my Registered Payees

Bill Payments (Launching soon)

Bill Payment to registered Billers
Add a new Biller
View and Modify registered billers

Recharge (Launching soon)

Recharge Prepaid Mobile
Recharge DTH connection
Data Card Recharge

My Profile

Password Change
View/Update Personal information
Modify Transaction Limit
Manage Alert,etc.

Deposits

Open Fixed Deposit Account
Open Recurring Deposit Account

View Transaction status

Completed Transactions
Payment Summary

View Statements

Bank Account – Detailed Statement

Tax Centre (Launching soon)

Income Tax e-filling
Enquire about TDS information on your deposits for the current & previous financial year

Manage Loan accounts

Apply for Loans
Loan accounts

Service requests

Request for change of Communication Address
Block or unblock Debit Card
Request for Duplicate Statement (Physical Copy)
Subscribe to Email Statements for Bank account
Request a Demand Draft at Communication Address
ChequeBook Request
Stop Payment of Cheque
Enquire about cheque status
Make payments for online shopping
Update Nominee Details
Switch On/Off & Set/Modify Transactions Limits
Submit Form 15G/15H (eligible customers)
Apply for Locker (allotment, subject to availibility)
Apply for Life Insurance, Health Insurance, Motor Insurance etc and mutual Funds, SIP, STP (Coming Soon),etc.

Always visit the Utkarsh Bank's Internet Banking site through our home page by typing the website address (https://www.utkarsh.bank) on the address bar.
Keep your Customer ID and mPIN confidential and do not disclose it to anyone.
Change your Password as soon as you receive it by logging into your Net Banking account.
Memorize your Password, do not write it anywhere.
Avoid accessing internet banking from shared computer networks such as cyber cafes, public Wi-Fi networks Such as Hotel/Airport/Railway stations etc.
Do not click on links in the emails or sites other than www.utkarsh.bank to access your Net Banking webpage.
Disable "Auto Complete" feature on your browser.
Use virtual keyboard feature while logging into your internet banking account.
Ensure the security of your net banking information by cross checking your last login and monitoring any unauthorized logins.
Always type in your confidential account information. Do not copy paste it.
Monitor your transactions regularly. Register your Mobile Number and bring any fraudulent transaction to the notice of the bank.
Always logout when you exit Internet Banking. Do not directly close the browser.
To help detect any fraudulent transactions quickly, always monitor your account activity by checking your balances and statements online using the Utkarsh bank’s website.
Link and manage all your Utkarsh Bank relationships online at www.utkarsh.bank
Register for Mobile Banking alerts and receive notifications for all significant transactions done through your account.

Your security is of utmost importance. To ensure a secured Internet Banking experience, always keep the following do's and don'ts in mind while transacting:

Do's

Always visit the Utkarsh Small Finance Bank's Internet Banking site through our home page by typing https://www.utkarsh.bank in the address bar
Change your Password immediately after receiving the bank’s auto generated password.
Disable "Auto Complete" feature on your browser.
Check your last login information, every time you login.
Change your passwords at regular intervals (at least once a month), especially after accessing Internet Banking through shared networks.
Always type in your confidential Account Information. Do not copy paste it.
Monitor your transactions regularly. Register your Mobile Number and bring any fraudulent transaction to the notice of the bank.
Always logout when you exit Internet Banking. Do not close the browser directly.
Register for Mobile Banking alerts and receive notifications for all significant transactions done through your account.

Don'ts

Do not disclose your Customer ID and MPIN to anyone
Avoid using obvious passwords (like name, date of birth, etc.)
Avoid accessing Internet Banking from shared computer networks such as cyber cafes or public Wi-Fi network like hotel/airport etc.
Do not click on links in the emails or sites other than www.utkarsh.bank to access your Internet Banking webpage.

FAQs

What is Utkarsh Small Finance Banks Internet Banking?

Internet Banking is an electronic payment system that enables customers of a bank or other financial institution to conduct a range of financial transactions through the financial institutions website.

What are the benefits of using Internet Banking?

Internet Banking is akin having a Bank branch on your desktop. You can access your Bank any time, from any place and do transactions without having to visit the branch.

What banking services can I avail online?

View your Account Balances, Account Activity, Account Details, Cheque Status Transfer Funds between your accounts or third party accounts maintained with Utkarsh Small Finance Bank, or with any other Bank which participates in RBI NEFT/RTGS/IMPS scheme, open a Term/Recurring Deposit, check the Term/Recurring Deposit rates over various tenures & amounts, set up Standing Instruction online to transfer funds between your own accounts, third party accounts
Request for a ChequeBook and give stop Cheques request.
Download Account Statement for the financial or calendar year, for a month or a specific period.
Communicate with the bank in a secure medium through the 'Inbox' option which will allow greater flexibility for communicating with us, including the ability to put an online request for our Home Banking Services
e-File income tax[Launching soon]
Pay all your utility and recharge prepaid mobile/DTH [Launching Soon]
Enquire about the TDS information on your deposits for the current & previous financial year.[Launching soon]

What are the features of Internet Banking?

Account Balance-Summary & Portfolio
Transfer & Payments facility
Create Fixed Deposits/Recurring Deposits
Apply for Loans
Apply for a New Debit Card
Generate Debit Card PIN Online

How can I register for Internet Banking?

You can register yourself for Internet Banking through the below mentioned process:

Visit our website www.utkarsh.bank > Ways to Bank > Internet Banking > Self Registration > Sign me up
You can do Self Registration either by using:
1. Customer ID and DOB or
2. Debit Card Number, Card PIN and Expiry Date
Please read and accept the Terms and Conditions in order to proceed.
Click on Next.
Please verify the details displayed on the screen
Click on Confirm
Enter OTP sent on your registered Mobile Number. Click on Submit.
Create your Profile by entering the details such as:
1. User ID
2. Password
3. Re-enter Password. Click on Next
A Confirmation receipt appears on your Screen for successful registration.
Click on OK.

I have forgotten my existing Internet Banking User ID, how can I obtain it?

You can get your new User ID through the below mentioned process:
Step 1: Visit our website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login page appears on your screen.
Step 5: Click on "Forgot your User ID" appearing on the right hand side.
Step 6: Enter Customer ID and Date of Birth or Debit Card Number, Card PIN and Expiry Date.
Step 7: Click on Next.
Step 8: Please verify the details displayed on the screen
Step 9: Enter OTP sent on your registered Mobile Number. Click on Submit.
Step 10: A Confirmation receipt appears on your Screen for successful registration.
Step 12: Click on OK.

How do I Login to Internet Banking?

To login to Utkarsh's Internet Banking, you have to follow the below the mentioned process:
Step 1: Visit our website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login page appears on your screen where you can login with your User ID and password provided by the Bank.

I have forgotten my Password. How do I generate a new password?

You can generate your password by following the below mentioned steps:
Step 1: Visit our website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login page appears on your screen.
Step 5: Click on "Reset Password" appearing on the right hand side.
Step 6: Enter Customer ID and Date of Birth or Debit Card Number, Card PIN and Expiry Date.
Step 7: Click on Next.
Step 8: Please verify the details displayed on the screen
Step 9: Enter OTP sent on your registered Mobile Number. Click on Submit.
Step 10: Enter your New Password
Step 11: Re-confirm your New Password
Step 12: A Confirmation receipt appears on your screen for successful change of password.
Step 13: Click on Ok.

How many passwords do I have for Internet Banking?

You have only ONE password for Internet Banking i.e. Login password. The login password, as the name suggests is required to login to your Internet Banking account.

What is InterBank Fund Transfer?

InterBank Fund Transfer is a facility that allows you to transfer money from your account with Utkarsh Small Finance Bank to an account in any other Bank, subject to the beneficiary's Bank participating in the RBI National Electronic Funds Transfer [RBI - NEFT] scheme. This facility is available currently to resident Indian customers only.

You need to login using your Internet Banking login ID and password, and select Other Bank Fund transfer option under Payments and Transfers on the left hand side menu.
You will then need to select the source account and enter the amount to be transferred and the details of the beneficiary account like beneficiary name, beneficiary account number, account type, bank name and the destination branch.
Your account will be debited online, subject to sufficient available balance in your account. Requests will be processed as per NEFT batch timings defined and issued by RBI on regular basis.
The time taken to credit the Beneficiary's Account will be dependent on the time taken by the Beneficiary's Bank to process the payment.

Who can use Internet Banking?

All customers who have unconditional operating authority on any Utkarsh Small Finance Bank's Savings/Current account [presently only for Individual Current Account holders] can get View and Transactional access to Internet Banking.

What do I need to access Internet Banking?

To access Internet Banking you need:

Internet Banking User ID and Password
A PC with a browser
An Internet connection

What are the charges for Internet Banking?

There are no charges for Internet Banking. All Utkarsh Small Finance Bank customers are given free access to Internet Banking.

While trying to log into Internet Banking, I get an error message, what should I do?

Please check your User ID and password. Please note that password is case sensitive ['a' is different from 'A'].
The other reasons for an error could be:

Internet Banking is compatible on Google Chrome 40+, Mozilla Firefox 40+, Internet Explorer 11 , Microsoft Edge 25.1 and Safari 7
You have entered the wrong password five times consecutively. Your User ID will get locked. This is done to prevent somebody from guessing your password and getting access to your account. Please call our Customer Care Centre for more information.
Our server may be temporarily down, please try logging in after some time.

What is OTP and for how long is the OTP valid?

OTP refers to One Time Password and is valid for 2 minutes. It acts as a secondary authentication over and above your login ID and password for Online Banking. One Time Password is a 6 digit number sent through SMS to your Registered Mobile Number and is required for all key financial transactions.
*Please note that every OTP comes with a unique Reference ID to help you enter the relevant OTP in case you have generated multiple OTPs for the same transaction.

How should I compose a Password?

Password should be a mix of alphabets, numerals and special characters [$#^@&%_.~!*] without any space in between.
The password length should be between 6 to 28 characters.
New password cannot be the same as any of the last five login passwords.
USFBL recommends all Internet Banking Customers to read Online Security Tips.

How long is a User ID valid for?

Your User ID has no expiry date.

What modes of Fund Transfer is possible Online?

You can do a NEFT/RTGS/IMPS transfer online using your account to transfer funds between Utkarsh account and Other Bank accounts. To initiate any fund transfer, you need to Register a Beneficiary.

What is a Beneficiary and how to enroll a Beneficiary?

A Beneficiary is the person you wish to transfer funds to. There are no restrictions in the number of Beneficiaries that you can add on your account.
In your Internet Banking account > under Transfers > Add a New Beneficiary, you can add a new Beneficiary. Once Beneficiary details are entered, you will be requested to validate the same with a One Time password.. Once Beneficiary is added, you can make the first transaction within 4 hours for other Bank Customers & within 30 mins. for Utkarsh Customers..

What details do you need to add a Beneficiary?

Account number
Account type
IFSC Code - You can directly enter the IFSC Code or use our search option to type the Bank name, State name, City name and Branch to fetch the right IFSC Code.
Beneficiary Name – Actual name of the account holder you are trying to transfer funds to.
Beneficiary Nick Name – You don't have to remember the actual name. Create your own nick names for friends/family or anyone that you wish to make the transfer to.

What are the non-financial transactions I can perform using my Online Banking account?

View your Account balance
View your Account statement
Enquire about Cheque status
Download Periodic Account Statement
Debit Card PIN Reset / Green PIN
Request for a ChequeBook
View your Fixed Deposit details
Download your Fixed Deposit Advice online.

For how long will my Internet Banking window be open before the session times out?

Your Internet Banking account will be idle upto 5 minutes of inactivity. Post 5 minutes, the session will be logged out and the user needs to login again.

What are the precautions I need to take for Internet Banking?

Memorize the password and delete the password mailer after you receive it.
After receiving the password mailer, immediately log on to Internet Banking and change your password.
Don't disclose your password to anyone, including Utkarsh Small Finance Bank staff.
Change your password at regular intervals [at least once a month], especially after you have accessed Internet Banking on shared PCs/Networks.
Avoid using obvious passwords [like name, date of birth, etc.]

Go digital with Utkarsh Internet Banking!