Banking isn't about visiting a branch outlet for your financial needs any more. Now earn competitive interest rates on Savings Account without having to visit the bank. Open U-INSTANT Account at your convenience.




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

  • Instant online savings account opening

  • Competitive interest rates on Savings Account

  • Full Video KYC in few minutes

  • Schedule Video KYC as per your convenience

  • No physical documentation required

  • Select the branch of your choice

  • Anyone above the age of 18 years residing in India

  • PAN and AADHAAR are mandatory

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.)


It is an account that enables a new-to-bank customers to onboard oneself through digital platforms. Some of the features are:

  • It facilitates customers to access banking services from anywhere
  • It's a Zero Balance maintenance Savings Account
  • Provides a power-packed virtual Debit Card
  • Free online money transfers
  • Link the account for equated monthly instalment [EMI] payment

Once the account is activated, the customer can download the UTKARSH MOBILE Application through google play store/apple app store and create MPIN. On successful completion of the above process, customer may start using the Mobile Banking Application.

It is similar to the physical debit card only that it in a digital format. The Bank provides it to the customer via a mobile banking application or this may be generated online while opening the U-INSTANT account. A Virtual Debit Card can be used to shop online, pay bills or recharges mobile/DTH.

Once your U-INSTANT Savings Account is opened, you can:

  • Register for our mobile banking and internet banking facilities
  • You can transfer money from your U-INSTANT account
  • You can shop online using your U-INSTANT Virtual debit card

Video KYC enables you to open a full KYC bank account instantly. It is an option in which you receive a video call from our Bank representative to complete your KYC process after entering your details as instructed by the representative. The video call eliminates a visit to the branch physically to complete your KYC.

Please have these things ready for your call:

  • Your original permanent account number [PAN] Card
  • Aadhaar card
  • Mobile number that is linked/registered to your Aadhaar and Pan Card
  • Ensure that you have a good internet connection
  • Log in to the call with a device that has a camera and a microphone
  • Permission to access your device's location, camera and microphone
  • Please ensure you are not using a VPN
  • Blank white sheet and a black pen for signature

Yes, our Video KYC feature is completely secure. The information you provide during a video call is encrypted with an advanced technology. Additionally, with AI-based face recognition, additional OTP verification, and thorough video validation, we keep all your information secure. To ensure this please only click on the link provided in our bank's website or mobile banking app.

Yes, there is a schedule option where you can re-schedule a call at a later date. However, please ensure to complete your video KYC call within the Bank’s business days.

Since, it is a video verification process, we need consent to use your camera and microphone during the V-KYC.

You can use any device such as Computer, Laptop, Mobile or Tablet which is enabled with a good working camera, microphone and internet connection.

  • This is a contactless and paperless way to verify your identity and onboard for the account based relationship with the Bank
  • Eliminates the physical presence in the bank thereby saving time and travel
  • Conducive for senior citizens, pregnant women and differently abled individuals

Yes, our Video-KYC [V-KYC] process is available between 7 AM to 11 PM on the Bank’s business days as per Maharashtra Government’s Holiday Calendar. You may schedule for your V-KYC as per your convenience during this period. Also, please note that the V-KYC has to be completed within maximum of 3 working days from the day of the request raised.


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Earn up to 7.75 %* on your Savings Account and get interest credited quarterly


Earn interest rates up to 8.50 %* p.a. and 9.10 %* p.a. for Senior Citizens


Get Loan amount upto 10 Crores with Flexible Tenure upto 15 years

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