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

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1800 123 9878
1800 208 1788

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Toll free no. 1800 123 9878 | 1800 208 1788

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Business Standard

Business Premium

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Home Business Accounts Current Account Standard Current Accounts

Business Standard

Experience seamless business transactions with our Business Standard Current Account! Whether it a small transaction like crediting salary, withdrawing and depositing cash or huge as payments to vendors, you can now do it a lot easily with us. You also enjoy customized solutions tailor-made to suit your business needs. So spend your precious time growing your business, while we help take care of your money matters.

Apply online

Benefits

Eligibility

Documents Required

Fees and Charges

FAQs

We offer our valued customers:

Free 150 transactions per Quarter

Enjoy Unlimited cash withdrawal at Base Branch

Free cash deposit transactions per month of 2 Lakh at Base Branch and 1 Lakh* at Non-Base Branch

Avail exclusive benefits with RuPay Classic Debit Card.

Enjoy convenient payment acceptance with POS Facility

* Conditions Apply

You are eligible to apply if you are/or belong to any of the following.

Resident Individual

Sole Proprietorship Firms

Partnership Firms

Limited Liability Partnership Firms

Public/Private Limited Companies

Hindu Undivided Family(HUFs)

All authorised signatories/partners/directors are required to submit a photograph (latest) along with Account Opening Form. All documents in original and photocopy should be shown/provided to the bank at the time of account opening. The originals will be immediately handed over after verification.
Applicants must provide all the necessary documents as instructed below.

Individual Current Account

Aadhaar Card of Individual

PAN Card of Individual

Proof of address if different from Aadhaar Card.

Public or Private Limited Companies

Certificate of Incorporation

Memorandum and Articles of Association

Board resolution authorising the opening and operation of the Account

PAN or General Index Registrar (GIR) number

List of Directors with residential addresses

PAN Card & Aadhaar Card of Authorised Signatories.

Firms Address Proof if not mentioned in Certificate of Incorporation.

Partnership firms

Partnership Deed and Registration Certificate, PAN Card of Partnership Firm.

Shop and Establishment Certificate or GST Certificate

Letter from partners approving the persons concerned to open and operate the Account

Aadhaar Card & PAN Card of Authorised Signatories.

PAN Card of the Firm

Limited Liability Partnership Firms

Certificate of Registration issued by registrar of Limited Liability Partnership.

Pan Card of LLP.

Aadhaar Card & PAN Card of Authorised Signatories.

Communication Address proof of Limited Liability Partnership Firm.

Proprietorship concerns

Certificate from a State Government or Statutory Body or Trade License or Sales Tax Certificate or Shop and Establishment Certificate or GST Certificate.

Letter of proprietorship, duly signed by the proprietor in his or her individual capacity (with a rubber stamp)

Aadhaar Card & PAN Card of Proprietors/Authorised Signatories

Hindu Undivided Family (HUF)

Letter of HUF duly signed by Karta and all Coparceners

PAN or GIR number

Names of Karta and Coparceners with residential address

Aadhaar Card of all Authorised Signatories.

Schedule of Charges: Standard Current Account

AQB Requirements AQB Non-Maintenance Charges

Metro/Urban : 10,000/-AQB
500/-per Quarter

Semi Urban/Rural : 5,000/-AQB

Debit Card Rupay Card - Classic

Card Fees Issuance Fee (Primary Holder): 50/-
Annual Fee (Primary Holder): Free for first year, 50/- from subsequent year

Withdrawal Limit ATM 40,000/- per day

Per Transaction Limits 20,000/- (own Bank ATM)
10,000/- (other Bank ATM)

Shopping Limit POS 1,00,000/- per day

Per Transaction Limits POS 25,000/-

ATM Transactions Unlimited Free Transactions

Other ATM Card Charges
PIN Regeneration Charges - NIL (Green Pin)
Card Replacement Charges - 100/-

Add on charges - 100/- (subject to terms and conditions)

Service Type Free limit Charges Beyond Free Limit

Cash Deposit Transactions
Base Branch: 2 Lakh

Non Base Branch 1 Lakh
2.50 /- per 1,000/-

Cheque book One Free Chequebook per quarter (50 leaves) 2/- leaf (100/- per cheque book)

DD/PO transactions
Demand Drafts Payable at own Bank locations:
Upto 2,000/- 20/-
Above 2,001/- upto 10,000/- 50/-
Above 10,000/- 2/- 1,000/-
(Min 60/- & Max 1,500/-)

Payable at corresponding bank locations:

1/- per thousand, min 25/- DD + Correspondent Bank charges
Revalidation/Duplicate DD: 100/-
Cancellation: 100/-

For details on fees and charges, please click here

Can an individual open a Current Account?
Yes, an Individual can open a Current Account upon providing the following documents:

Aadhaar Card of Individual

PAN Card of Individual

Proof of address if different from Aadhaar Card.

How many free Cheque leaves do I get?
You get 50 cheques leaves.

Are fund transfers between Utkarsh Small Finance Bank accounts free?
Yes, you enjoy unlimited free transaction between Utkarsh Small Finance Bank accounts.

I can’t access my company’s Current Account. Please help.
Please visit your nearest Utkarsh Small Finance Bank branch or call 1800-123-9878, 24×7 (Except National Holidays)

What are the documents required to open a Current Account for a company?
You need to provide the following documents to open a Current Account for your company:

Certificate of Incorporation

Memorandum and Articles of Association

Board resolution authorising the opening and operation of the Account

PAN or General Index Registrar (GIR) number

List of Directors with residential addresses

PAN Card & Aadhaar Card of Authorised Signatories.

Firms Address Proof if not mentioned in Certificate of Incorporation.

How many free transactions can I make? And what are the charges applicable for transactions made beyond the free limit?
You can make 150 free transaction per quarter.
A charge of 10 per transactions will be applied for transactions beyond free limit

Benefits

We offer our valued customers:

Free 150 transactions per Quarter

Enjoy Unlimited cash withdrawal at Base Branch

Free cash deposit transactions per month of 2 Lakh at Base Branch and 1 Lakh* at Non-Base Branch

Avail exclusive benefits with RuPay Classic Debit Card.

Enjoy convenient payment acceptance with POS Facility

* Conditions Apply

Eligibility

You are eligible to apply if you are/or belong to any of the following.

Resident Individual

Sole Proprietorship Firms

Partnership Firms

Limited Liability Partnership Firms

Public/Private Limited Companies

Hindu Undivided Family(HUFs)

Documents Required

All authorised signatories/partners/directors are required to submit a photograph (latest) along with Account Opening Form. All documents in original and photocopy should be shown/provided to the bank at the time of account opening. The originals will be immediately handed over after verification.
Applicants must provide all the necessary documents as instructed below.

Individual Current Account

Aadhaar Card of Individual

PAN Card of Individual

Proof of address if different from Aadhaar Card.

Public or Private Limited Companies

Certificate of Incorporation

Memorandum and Articles of Association

Board resolution authorising the opening and operation of the Account

PAN or General Index Registrar (GIR) number

List of Directors with residential addresses

PAN Card & Aadhaar Card of Authorised Signatories.

Firms Address Proof if not mentioned in Certificate of Incorporation.

Partnership firms

Partnership Deed and Registration Certificate, PAN Card of Partnership Firm.

Shop and Establishment Certificate or GST Certificate

Letter from partners approving the persons concerned to open and operate the Account

Aadhaar Card & PAN Card of Authorised Signatories.

PAN Card of the Firm

Limited Liability Partnership Firms

Certificate of Registration issued by registrar of Limited Liability Partnership.

Pan Card of LLP.

Aadhaar Card & PAN Card of Authorised Signatories.

Communication Address proof of Limited Liability Partnership Firm.

Proprietorship concerns

Certificate from a State Government or Statutory Body or Trade License or Sales Tax Certificate or Shop and Establishment Certificate or GST Certificate.

Letter of proprietorship, duly signed by the proprietor in his or her individual capacity (with a rubber stamp)

Aadhaar Card & PAN Card of Proprietors/Authorised Signatories

Hindu Undivided Family (HUF)

Letter of HUF duly signed by Karta and all Coparceners

PAN or GIR number

Names of Karta and Coparceners with residential address

Aadhaar Card of all Authorised Signatories.

Fees and Charges

Schedule of Charges: Standard Current Account

AQB Requirements AQB Non-Maintenance Charges

Metro/Urban : 10,000/-AQB
500/-per Quarter

Semi Urban/Rural : 5,000/-AQB

Debit Card Rupay Card - Classic

Card Fees Issuance Fee (Primary Holder): 50/-
Annual Fee (Primary Holder): Free for first year, 50/- from subsequent year

Withdrawal Limit ATM 40,000/- per day

Per Transaction Limits 20,000/- (own Bank ATM)
10,000/- (other Bank ATM)

Shopping Limit POS 1,00,000/- per day

Per Transaction Limits POS 25,000/-

ATM Transactions Unlimited Free Transactions

Other ATM Card Charges
PIN Regeneration Charges - NIL (Green Pin)
Card Replacement Charges - 100/-

Add on charges - 100/- (subject to terms and conditions)

Service Type Free limit Charges Beyond Free Limit

Cash Deposit Transactions
Base Branch: 2 Lakh

Non Base Branch 1 Lakh
2.50 /- per 1,000/-

Cheque book One Free Chequebook per quarter (50 leaves) 2/- leaf (100/- per cheque book)

DD/PO transactions
Demand Drafts Payable at own Bank locations:
Upto 2,000/- 20/-
Above 2,001/- upto 10,000/- 50/-
Above 10,000/- 2/- 1,000/-
(Min 60/- & Max 1,500/-)

Payable at corresponding bank locations:

1/- per thousand, min 25/- DD + Correspondent Bank charges
Revalidation/Duplicate DD: 100/-
Cancellation: 100/-

For details on fees and charges, please click here

FAQs

Can an individual open a Current Account?
Yes, an Individual can open a Current Account upon providing the following documents:

Aadhaar Card of Individual

PAN Card of Individual

Proof of address if different from Aadhaar Card.

How many free Cheque leaves do I get?
You get 50 cheques leaves.

Are fund transfers between Utkarsh Small Finance Bank accounts free?
Yes, you enjoy unlimited free transaction between Utkarsh Small Finance Bank accounts.

I can’t access my company’s Current Account. Please help.
Please visit your nearest Utkarsh Small Finance Bank branch or call 1800-123-9878, 24×7 (Except National Holidays)

What are the documents required to open a Current Account for a company?
You need to provide the following documents to open a Current Account for your company:

Certificate of Incorporation

Memorandum and Articles of Association

Board resolution authorising the opening and operation of the Account

PAN or General Index Registrar (GIR) number

List of Directors with residential addresses

PAN Card & Aadhaar Card of Authorised Signatories.

Firms Address Proof if not mentioned in Certificate of Incorporation.

How many free transactions can I make? And what are the charges applicable for transactions made beyond the free limit?
You can make 150 free transaction per quarter.
A charge of 10 per transactions will be applied for transactions beyond free limit

ABOUT US

Senior Management

Board

Vision & Mission

AGM notice

Annual reports

CSR

PRODUCTS

Accounts

Cards

Deposits

Loans

Insurance & Investments

Remittance

POLICIES

Our Policies

Comprehensive Notice Board

Basel II disclosures

REGULATORY DISCLOSURE

MCLR

Disclosures as per SEBI (LODR)

EGM Notice

CONNECT WITH US

Address:

S-24/1-2, First Floor,
Mahavir Nagar,
Orderly Bazar,
Near Mahavir Mandir,
Varanasi -221002(U.P.) India

Phone:
0542-2500596
1800-208-1788

Email:
communications@utkarsh.bank

LICENSE

RBI License

Authorized Dealer License

MFIN

CIN

Code of Bank’s Commitment to Customers | Code of Bank’s Commitment to Micro and Small Enterprises | Disclaimer | Sitemap | Terms and Conditions

CIN: U65992UP2016PLC082804 (Utkarsh Small Finance Bank is ipv6 compliant)

Schedule of Charges: Standard Current Account
AQB Requirements	AQB Non-Maintenance Charges
Metro/Urban : 10,000/-AQB	500/-per Quarter
Semi Urban/Rural : 5,000/-AQB	500/-per Quarter

Debit Card	Rupay Card - Classic
Card Fees	Issuance Fee (Primary Holder): 50/- Annual Fee (Primary Holder): Free for first year, 50/- from subsequent year
Withdrawal Limit	ATM 40,000/- per day
Per Transaction Limits	20,000/- (own Bank ATM) 10,000/- (other Bank ATM)
Shopping Limit	POS 1,00,000/- per day
Per Transaction Limits	POS 25,000/-
ATM Transactions	Unlimited Free Transactions
Other ATM Card Charges	PIN Regeneration Charges - NIL (Green Pin) Card Replacement Charges - 100/- Add on charges - 100/- (subject to terms and conditions)