A Debit Card automatically withdraws funds from an attached Bank account. When you pay with a Debit Card, the money is immediately deducted from your checking account

Debit Card now comes with Chip & Pin facility which has microchip embedded in it and is highly secured. The chip is difficult to tamper with and therefore provides enhanced security to your transactions.

The chip is embedded on the card and contains all information in an encrypted format. It also comes with a personal identification number [PIN] hence making it more safe.

You can choose to apply online or visit your nearest Utkarsh SFB branch. Utkarsh Debit Card comes along with the Account Kit which is given to you at the time of account opening or you can apply through other below mentioned channels:

Internet Banking:

Step 1: Go to https://www.utkarsh.bank/

Step 2: Click on login tab, then select Personal Banking

Step 3: Click on “Continue to Login”

Step 4: Enter username and click on check box, then click on CONTINUE

Step 5: Click on the security image, enter password and click on check box, then click on SIGN IN

Step 6: Enter OTP sent on your registered mobile number or email id and then click on SUBMIT

Step 7: Click on the three horizontal lines reflecting on the left-hand side of the screen

Step 8: Click on Cards section

Step 9: Click on Change/Upgrade Your Debit Card

Step 10: Select your Debit Card Number 

Step 11: Enter the OTP sent on your registered mobile number / email id.

Step 12: Click on Generate OTP and enter the OTP sent on your registered mobile number / email id.

Step 13: Click on SUBMIT

Step 14: A Confirmation message will be displayed stating- It’s done! Your request for Debit Card has been processed successfully along with reference number and Date & Time.

Step 15: Click on DONE. GO BACK

Utkarsh Mobile App:

Step 1: Open Mobile App

Step 2: Enter your login credentials [User Id & Password or MPIN] and click on continue

Step 3: Click on More option reflecting at the right bottom of the screen

Step 4: Click on Cards

Step 5: Click on the three horizontal lines reflecting on the right-hand side of the screen

Step 6: Click on Set / Change Debit Card PIN

Step 7: Select Debit Card Number from the drop-down menu and write the Card Expiry in MM / YY format

Step 8: Enter New PIN and Confirm New PIN

Step 9: Click on Generate OTP and enter the OTP sent on your registered mobile number or email id

Step 10: Click on SUBMIT

Step 11: A Confirmation message will be displayed stating- It’s done! Your request for Changing Card PIN has been processed successfully along with reference number and Date & Time.

Step 12: Click on DONE. GO BACK

Utkarsh SFB Branch:

Please visit the nearest Utkarsh SFB branch along with your valid ID proof.

Customer Care:

You can call our Customer Care [1800-123-9878] 24×7 [Except National Holidays] and apply for the same.

The Card Verification Value [CVV] is the last three digit number printed on the signature strip on the back of your card. It is usually required for online payment transactions

The validity of Utkarsh Debit Card is 5 years from the date of issue.

Debit Card will be received within 7-10 working days at registered Customer's address.

Yes, the Physical Pin will be delivered to you separately at your registered mailing address.

Debit Card PIN can be changed using ATMs, Internet Banking and Mobile Banking.

Yes. You will receive SMS alerts for all Debit Card transactions on your registered Mobile Number and Email ID registered with the Bank. In case you have not registered, kindly visit your nearest branch or call our customer care to update your details.

There are no charges for swiping your card at Petrol pumps or Railway stations.

Yes, the card is in inactive state. You need to activate your card for the first time by using it at any of the ATMs after receiving 4 digit PIN which will be delivered to you at your registered address.

Physical Pin is dispatched separately and will be delivered to you at your registered mailing address.

You can change your Debit Card PIN by:

Internet Banking:

Step 1: Go to https://www.utkarsh.bank/

Step 2: Click on login tab, then select Personal Banking

Step 3: Click on “Continue to Login”

Step 4: Enter username and click on check box, then click on CONTINUE

Step 5: Click on the security image, enter password and click on check box, then click on SIGN IN

Step 6: Enter OTP sent on your registered mobile number or email id and then click on SUBMIT

Step 7: Click on the three horizontal lines reflecting on the left-hand side of the screen

Step 8: Click on Cards section

Step 9: Click on Set / Change Debit Card PIN

Step 10: Select your Debit Card Number and write the Card Expiry in MM / YY format

Step 11: Enter New PIN and Confirm New PIN

Step 12: Click on Generate OTP and enter the OTP sent on your registered mobile number / email id.

Step 13: Click on SUBMIT

Step 14: A Confirmation message will be displayed stating- It’s done! Your request for Changing Card PIN has been processed successfully along with reference number and Date & Time.

Step 15: Click on DONE. GO BACK

 

Utkarsh Mobile App:

Step 1: Open Mobile App

Step 2: Enter your login credentials [User Id & Password or MPIN] and click on continue

Step 3: Click on More option reflecting at the right bottom of the screen

Step 4: Click on Cards

Step 5: Click on the three horizontal lines reflecting on the right-hand side of the screen

Step 6: Click on Set / Change Debit Card PIN

Step 7: Select Debit Card Number from the drop-down menu and write the Card Expiry in MM / YY format

Step 8: Enter New PIN and Confirm New PIN

Step 9: Click on Generate OTP and enter the OTP sent on your registered mobile number or email id

Step 10: Click on SUBMIT

Step 11: A Confirmation message will be displayed stating- It’s done! Your request for Changing Card PIN has been processed successfully along with reference number and Date & Time.

Step 12: Click on DONE. GO BACK

ATM:

You can change your Debit Card PIN through ATM in the following ways:

Step 1: Insert your Card

Step 2: Select Language

Step 3: Select Banking Transactions

Step 4: Enter your existing PIN

Step 5: Select PIN Change

Step 6: Enter your new PIN and click on Correct. [That you would like to create]

Step 7: Re-enter your New PIN and click on Correct.

Step 8: A Message is Displayed "Your PIN has been changed successfully".

You can call our Customer Care [1800-123-9878] 24×7 [Except National Holidays] or visit your nearest branch to register the complaint.

For security reasons, your Debit Card will be blocked if there are 3 successive wrong PIN attempts at the ATM. However, the card will be activated automatically after 24 Hrs.

You can generate your Debit Card PIN through:

Internet Banking:

Step 1: Go to https://www.utkarsh.bank/

Step 2: Click on login tab, then select Personal Banking

Step 3: Click on “Continue to Login”

Step 4: Enter username and click on check box, then click on CONTINUE

Step 5: Click on the security image, enter password and click on check box, then click on SIGN IN

Step 6: Enter OTP sent on your registered mobile number or email id and then click on SUBMIT

Step 7: Click on the three horizontal lines reflecting on the left-hand side of the screen

Step 8: Click on Cards section

Step 9: Click on Set / Change Debit Card PIN

Step 10: Select your Debit Card Number and write the Card Expiry in MM / YY format

Step 11: Enter New PIN and Confirm New PIN

Step 12: Click on Generate OTP and enter the OTP sent on your registered mobile number / email id.

Step 13: Click on SUBMIT

Step 14: A Confirmation message will be displayed stating- It’s done! Your request for Changing Card PIN has been processed successfully along with reference number and Date & Time.

Step 15: Click on DONE. GO BACK

 

Mobile Banking:

Step 1: Open Mobile App

Step 2: Enter your login credentials [User Id & Password or MPIN] and click on continue

Step 3: Click on More option reflecting at the right bottom of the screen

Step 4: Click on Cards

Step 5: Click on the three horizontal lines reflecting on the right-hand side of the screen

Step 6: Click on Set / Change Debit Card PIN

Step 7: Select Debit Card Number from the drop-down menu and write the Card Expiry in MM / YY format

Step 8: Enter New PIN and Confirm New PIN

Step 9: Click on Generate OTP and enter the OTP sent on your registered mobile number or email id

Step 10: Click on SUBMIT

Step 11: A Confirmation message will be displayed stating- It’s done! Your request for Changing Card PIN has been processed successfully along with reference number and Date & Time.

Step 12: Click on DONE. GO BACK

Process to Generate Green PIN through ATM :

Step 1: Insert your Card

Step 2: Select Language

Step 3: Select Set New PIN

Step 4: Enter DOB in YYYYMMDD format and click on Correct.

Step 5: Select Generate OTP.

Step 6: Enter your OTP and click on Validate OTP.

Step 7: Enter your New PIN Step

step 8: Re-Enter your New PIN and click on Confirm.

Step 9: A Message is Displayed "Your ATM PIN Has Been Generated Successfully".

 

Process to Generate Green PIN through Micro ATM:

Step 1: Select Utkarsh SFB Icon

Step 2: Select Card Icon

Step 3: Insert your Debit Card when screen displays "Insert card and wait..."

Step 4: Select Green PIN Icon

Step 5: Select Date of Birth from the calendar displayed on the screen and Click on OK

Step 6: Click on Generate OTP Step

Step 7: Enter OTP [6 digits] sent on the Customer's registered Mobile no. and then click on Validate OTP.

Step 8: Enter 4 digits New PIN and click on Confirm

Step 9: Re-Enter customer 4 digits New PIN and click on Confirm.

Step 10: A Confirmation message is displayed "Your PIN has been generated successfully".

You should immediately call our Customer Care [1800-123-9878] 24×7 [Except National Holidays] to place your request or visit your nearest branch to register the complaint.

You can check the status of your Debit Card through any of the below mentioned channels:

Internet Banking:

Step 1: Login to Bank's website www.utkarsh.bank

Step 2: Click on Ways to Bank

Step 3: Select Internet Banking

Step 4: Login to Internet Banking with User Id and password

Step 5: Click on E-Service Status

Step 6: Select E-Service Request Tracker

Step 7: The details of the Request will be displayed on the Screen.

 

Utkarsh Mobile App:

Step 1: Login to Mobile App either through mPIN or User Id & Password provided by the Bank.

Step 2: Select E- Services Section

Step 3: Select E- Service Request Tracker

Step 4: The details of the Request will be displayed on the Screen.

 

Customer Care:

You can call our Customer Care [1800-123-9878] 24×7 [Except National Holidays] and enquire the status.

Call our Customer Care [1800-123-9878] 24×7 [Except National Holidays] [where you can Hotlist your Card immediately and simultaneously request for re-issuance of a new Card. You may also submit a written instruction at the nearest branch to hotlist and re-issuance of Debit Card. Replacement/Reissuance Charges for Debit Cards will be applicable.

You will be given 3 attempts to enter the correct PIN, post which your Card will be blocked.

No, there are no charges for transactions through our ATMs.

Charges applicable on other bank's ATM transactions beyond threshold limit of 5 free successful transactions per month [Financial+ Non-Financial] is 
 ₹ 21+Applicable Taxes

Bank may send SMS alerts for all financial transactions.

Yes, Debit Card can be used for International transactions.

A duly filled in Cardholder Dispute Form [CDF] mentioning all the required details of the disputed transaction[s] and the exact nature of dispute, aids the Cardholder as well as the Bank to initiate accurate investigation with the respective Merchant / Member Bank.

Banks are required to affect the Pro-active reversal of failed transaction within T+5 working days suo-moto [i.e. without waiting for customers to lodge complaints], wherein 'T' refers to date of transaction.

We strongly recommended that for all service related disputes, the Debit Cardholder must first attempt to contact the merchant to resolve the dispute which enables prompt resolution. Considering all attempts have been made to resolve dispute with the merchant, you may call our Customer Care team for raising exact nature of dispute and send relevant supporting document with respect to failed / disputed transactions with complete transaction[s] details to [email protected] or submit the same at your nearest Utkarsh SFB branch

Please call our Customer Care [1800-123-9878] 24×7 [Except National Holidays]. or visit your nearest branch to register the complaint. Alternatively, you can block your Debit Card through the following channels:

Internet Banking:

Step 1: Login to Bank's website www.utkarsh.bank

Step 2: Click on Ways to Bank

Step 3: Select Internet Banking

Step 4: Login to Internet Banking with User Id and password

Step 5: Click on Cards Tab

Step 6: Select Block Card

Step 7: Enter Card Number

Step 8: Select Reason for Blocking your Card

Step 9: Enter OTP sent on your registered Mobile Number

Step 10: A confirmation Receipt appears on your Screen for successful generation of Debit Card PIN.

Utkarsh Mobile App:

Step 1: Login to Mobile App either through mPIN or User Id & Password provided by the Bank.

Step 2: Click on Cards Section

Step 3: Select Generate Debit Card PIN

Step 4: Enter Card Number

Step 5: Enter New PIN

Step 6: Confirm New PIN

Step 7: Enter OTP sent on your registered Mobile Number

Step 8: A confirmation receipt on your screen for successful generation of Debit Card PIN.

Utkarsh SFB branch:

Please visit the nearest Utkarsh SFB branch along with your valid ID proof.

Yes, you can change your PIN anytime you wish to. You can change it through any of our Utkarsh SFB ATMs or Internet Banking or Mobile Banking.

You should immediately block your Debit Card through any of the following channels:

Internet Banking:

Step 1: Login to Bank's website www.utkarsh.bank

Step 2: Click on Ways to Bank

Step 3: Select Internet Banking

Step 4: Login to Internet Banking with User Id and password

Step 5: Click on Cards Tab

Step 6: Select Block Card

Step 7: Enter Card Number

Step 8: Select Reason for Blocking your Card

Step 9: Enter OTP sent on your registered Mobile Number

Step 10: A confirmation Receipt appears on your Screen for successful generation of Debit Card PIN.

Utkarsh Mobile App:

Step 1: Login to Mobile App either through mPIN or User Id & Password provided by the Bank.

Step 2: Click on Cards Section

Step 3: Select Block Card

Step 4: Enter Card Number

Step 5: Select Reason for Blocking your Card

Step 6: Enter OTP sent on your registered Mobile Number

Step 7: A confirmation receipt on your screen for successful generation of Debit Card PIN.

Customer Care:

You can call our Customer Care on [1800-123-9878] 24×7 [Except National Holidays] to place your request or visit your nearest branch to register the complaint.

Utkarsh SFB branch:

Visit the nearest Utkarsh SFB branch along with valid ID proof.