Download the Utkarsh Mobile Banking App, today!
With this you can Transfer Funds, Access your Bank Account, Enquire and Access your Deposits and Portfolio, open Fixed/Recurring Deposits, Request Cheque Book, and do a lot more! All this at your convenience – anytime, anywhere, at your fingertips!
Experience the 24*7 banking facility with our Mobile Banking App.
The App is compatible with both Android and iOS operating system.
Download for Android: click here to download Utkarsh Mobile app.
Download for iOS: click here to download Utkarsh Mobile app.
1 reward point on every100 spends on debit card
1 reward point on every100 spends on debit card
Cash withdrawal on Utkarsh Bank ATMs
You can download the Utkarsh Mobile App from either Google play store or Apple App store, depending on the IOS you are using. All you need to do is follow the below mentioned process to download the app:
You can now access your Mobile Banking through Utkarsh Mobile Banking App, using either of these three ways:
1. User ID & Password OR
2. MPIN OR
SIM Binding for New Customer
Step 1: Open the app and click on Self Registration option. It navigates to Next screen.
Step 2: Select among three options Account Number, CIF or Debit card as per your preference.
Step 3: Click on SEND SMS option, it will redirect to default SMS App, where an auto populated alpha numeric short code will be displayed to the customer. User needs to select the SIM before sending the SMS.
Step 4: After sending the SMS, go back to Utkarsh Mobile Application.
Step 5: Review all the details on Confirmation and click on Submit Button.
Step 6: Enter your desired User Name & Password, Reconfirm the password, select your Security Image & Secure Phase and click on Submit Button.
Step 7: Self Registration is done successfully.
Step 1: Click on Set MPIN
Step 2: Enter Internet Banking User ID and Password. Click on Next Button
Step 3: Enter OTP sent on your Registered Mobile Number. Click on Submit
Step 4: Enter a desired 4 digit number as your MPIN.
Step 5: Re-enter the 4 digit MPIN
Step 6: Click on Next Button
Step 7: MPIN has been set successfully and will be displayed on screen.
Step 8: Click OK
What is Sim Binding?
SIM binding is a new feature available on the Utkarsh Mobile App that allows customers to link their account only to a phone number registered with the Bank. During registration on the Utkarsh Mobile App, the user is asked to verify their SIM through sending SMS from their registered mobile number.
Why we need SIM Binding?
This allows access to the mobile banking application from a trusted device only and makes your app usage safe and secure.
What is the new registration process for existing users?
STEP 1: Update your Utkarsh Mobile App from Google Play store /iOS App store, to get access to new version of with enhanced security features.
STEP 2: Enter the Username and password/ mPin/ Biometric.
STEP 3: Click on SEND SMS option, it will redirect the customer to default SMS App. Customers have to send the auto populated alpha numeric short code from Registered Mobile number.
STEP 4: After sending the SMS, customer have to go back to Utkarsh Mobile Application.
STEP 5: SMS will be verified at the background and on successful verification, app will display Home page of the application.
STEP 6: After entering all details correctly, app will display message for successful registration. Now, User can log in to the Utkarsh Mobile Banking App.
Can I register multiple devices for Utkarsh Small Finance Bank Mobile Banking Application?
Utkarsh Mobile Banking application will work only on those device which have SIM of mobile number registered with the Bank.
In what cases Utkarsh Mobile Banking Application ask for SIM Binding?
In case of any issue while SIM Binding process, what basic checks I have to do?
What if I lost my mobile number which was registered at Utkarsh Small Finance Bank?
In case of loss/theft of your Registered Mobile Number, please block your SIM immediately. Once the new SIM is issued from the telecom operator. kindly use the newly provided SIM in your mobile handset and follow the registration process.
Is it possible to have SIM binding if the device is having Dual SIM?
Yes. If the device is having Dual SIM, appropriate SIM is to be selected for sending an SMS for SIM Binding process
Explore a host of services offered all at your fingertips with Utkarsh Mobile Banking App.
Accounts and Deposits
Access all your Utkarsh Small Finance Bank Accounts Summary with one single touch, be it your Savings Account, Current Account or Salary Account held with Mobile Banking App. Open Fixed Deposits/Recurring Deposits and many other services.
Transfer funds to anyone, anywhere and anytime with the Utkarsh Mobile Banking App.
Open or Create Deposits
Open or Create Fixed Deposits and Recurring Deposits.
Apply for a New Debit Card, Block and Unblock your Card, generate your Debit Card PIN, and more.
Soon get updates on all available offers, right at your fingertips. So choose and avail your offer within the app. (Launching soon)
Utkarsh Mobile Banking App comes with a host of services, which can be availed directly from the app. You can now request for ChequeBook, Track your deliverables, Manage payees, View your Personal Information and do a lot more.
Technology can also be misused. To ensure a secured Mobile Banking experience, always keep the following do's and don'ts in mind while transacting:
Protect your phone with a password or fingerprint that is difficult to crack.
Register for SMS alerts to keep track of your Banking transactions.
Delete junk and chain messages regularly.
Do not follow any URL in messages that you are not sure about. There may be a chance of getting hacked.
Install an effective mobile anti-malware/anti-virus software on your Smartphone and keep it updated.
Maximise the security features by enabling encryption, remote wipe and location tracking on your device.
Turn off wireless device services such as Wi-Fi, Bluetooth and GPS when they are not being used.
Download apps only from official app stores.
Log out from your Mobile Banking as soon as you have completed your transactions.
Be aware of shoulder surfers while typing confidential information on your mobile in public places.
In case you lose your mobile phone, please call our Customer Care to disable the Utkarsh Mobile applications.
While sharing your mobile with someone or during repairs always remember to:
1. Clear the browsing history.
2. Clear cache and temporary files stored in the memory as they may contain your account numbers and other sensitive information.
3. Block your Mobile Banking applications by contacting your Bank. You can unblock them when you get the mobile back.
Do not save confidential information such as your Debit/Credit Card numbers, CVV numbers or PINs on your mobile phone.
Do not enable auto-fill or save user IDs and passwords for Mobile Banking.
Avoid using unsecured Wi-Fi, public or shared networks
Do not use "jailbroken" or "rooted" devices for online banking.
Never disclose personal information or online banking credentials via e-mail or text message, as these can be used for identity theft.
Mobile Banking Safety Tips & Measures
With Mobile Banking, your banking and financial transactions are at your fingertips. Here are some precautions for safe and secure Mobile Banking.
Tenure ( )
Interest Rate (%)
20 Apr 2023
(Indicative interest rates for calculation only. click here for latest rates.)
Utkarsh Small Finance Bank's Mobile Banking allows you to bank anytime anywhere through your mobile phone. You can access your banking information and make transactions on your Savings Account, Loan Accounts, at absolutely no cost.
If you are an Utkarsh Small Finance Bank customer having a Savings Account and Current Account [presently only for Individual Current Account Holders], Loan Account, you can avail of this Mobile Banking Facility, by registering with us. If not registered you need to register on Internet Banking and then download Utkarsh Mobile App from Google Play Store.
Utkarsh Mobile Banking is an application that can be downloaded and activated on your mobile phone. With Utkarsh Mobile Banking App you can check your Account Balances, Transfer Funds, Request for ChequeBook and carry out many other banking transactions.
You need your User ID [Unique Identification Code provided to you by the Bank] and Password [Internet Banking password] to login to the application.
Yes, you can use your Internet Banking User ID and password to login to Utkarsh Mobile application.
No. Your mobile number should be registered with the Bank to use Utkarsh Mobile Banking App. You can register your Mobile Number by visiting your nearest Utkarsh Small Finance Bank Branch or at an ATM.
Utkarsh Small Finance Bank sends an instant alert on successful completion of the transaction. The exact time for delivery of the alert will depend on the condition of the telecom operator network.
We request you to call on our Customer Care number [1800-123-9878] 24×7 [Except National Holidays] to disable the application for your old device.
Utkarsh Small Finance Bank Savings Account, Loans, Current Account [Individual] customers registered for Mobile Banking and GPRS enabled on their mobile device can avail Utkarsh Mobile Banking App services. If you have not yet registered your mobile number, kindly visit your nearest Utkarsh Small Finance Bank Branch or ATM to register.
You can set a new mPIN by clicking on Forgot Login mPIN on the home page of Utkarsh Mobile Banking App.
No, Utkarsh Small Finance Bank provides Utkarsh Mobile services at Zero costs. However Data/SMS usage charges may be applicable as per your service provider.
No. Firstly, you need to register yourself on Internet Banking and then you can install Utkarsh Mobile App from Google Play Store/Apple App Store.
Utkarsh Mobile App is compatible on IOS 9.1, IOS 9, IOS 8, Android v4.4.2, Android v5.0.0 , Android v5.1.0 , Windows 8, Windows 8.1, Windows 10 and Blackberry 10.
You can download the Utkarsh Mobile Banking App through any of the following channels:
Utkarsh Bank's Mobile Banking App requires you to register your mobile number either at ATM or by visiting any nearest Bank branch.
In case you want to use the Utkarsh Small Finance Bank Mobile Banking application, you will have to re-download the application on your new handset. Set your mPIN by clicking on Forget Login mPIN available on the Home page of Utkarsh Mobile Banking App which navigates to enter User ID Page and then you can continue using our Mobile Banking services.
Even if you lose your phone your account will be safe, as to use this application you need a password.
Yes, without it you won't be able to download the application
Yes, the service is available round the clock
Remember to log out of the application after you have finished using it and don't share your Customer ID and Password with anyone.
Approximately 16.79 MB is required to install the application.
After adding a new payee, Customer can transfer funds after 30mins to Utkarsh Customers & after 4Hours to Other Bank Customers.
There is a logout button available at the below left corner in the application.
This may be due to congestion in your service provider's GPRS network. Please try again after some time.
Earn upto 7.50% p.a. on your Savings Account, with Quarterly credits
Earn interest rates upto 8.50 % p.a. and 9.10% p.a. for Senior Citizens
Get Loan amount upto10 Crores with Flexible Tenure upto 15 years
Turn your surplus funds into security, for a better tomorrow