Utkarsh Vyapar

Utkarsh Vyapar, a complete Digital Store for merchants powered by Getepay, is a comprehensive merchant payment solution that Utkarsh SFBL is providing to its customers to hold Current/Saving account relationships with the Bank in collaboration with Futuretek Commerce Pvt. Ltd .

The product includes a sound box for voice notification for payment confirmation.

The voice-based payment alerts are available in 10 languages including Bengali, English, Gujarati, Hindi, Kannada, Malayalam, Marathi, Punjabi, Tamil & Telugu.

Utkarsh Vyapar includes Khata book, greeting cards etc., as well.

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1 reward point on every 100 spends on debit card

15% discount

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15% discount

1 reward point on every 100 spends on debit card

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Cash withdrawal on Utkarsh Bank ATMs

  • Availability in 10 regional languages
  • Payments made possible with Debit / Credit Cards, UPI, and More! *Merchants with Current accounts can accept/collect payments via all payment modes, however Savings account holders can only accept/collect payments using UPI QR Code mode.
  • Option to send customised greetings instantly.
  • View and Download options of Data available for specific customers.
  • Real time analytics and customised reports
  • Quick and seamless installation
  • Enjoy safe and secure transactions
  • Get instant voice alerts in your preferred language
  • Long battery backup for uninterrupted usage
  • Eligibility

  • Customer should have an active Savings & Current account relationships with Utkarsh Small Finance Bank
  • The mobile number registered with the Bank should be the same for app registration as well to use the Sound Box, the merchant must be registered as a merchant on the Utkarsh Vyapar application
  • Documents

  • Photo ID proof
  • Aadhar Card
  • PAN Card etc*.
  • Note*: Requirement of other documents will be requested, if required, as per the nature of business.

    For transaction alerts, a fee of INR 40 per VPA will be charged to the merchant per month.

    To learn more about the Fees & Charges that apply to your Bank account, please visit the fees & charges section of Utkarsh Bank

    Plan Type One-time Charges Monthly Charges
    Plan A INR 1800 INR 100 per month (First 3 months free)
    Plan B INR 999 INR 110 per month
    Plan C INR 750 INR 120 per month
    Plan D INR 500 INR 125 per month

    Note: the monthly charges for Plan B, C and D will be for a minimum period of 12 months.

    To learn more about the fees and charges, please visit the Utkarsh Vyapar complete digital store App or portal.

    For any queries, complaints, and suggestions related to Utkarsh Vyapar App or customer transactions call us at our toll-free number
    1800-123-9878, 1800-208-1788.

    For any bank related queries/complaints call us at our toll-free number 1800-123-9878, 1800-208-1788.

    Utkarsh Vyapar complete digital store for merchant application include a dashboard service, an API service and such other value-added services as may be notified by Futuretek and/ or Bank from time to time at its sole discretion.

    The scope of Utkarsh Vyapar complete digital store for merchant application, including the terms of use, is subject to amendments from time to time, which shall be notified to you upon any material amendments being implemented. Without prejudice to the generality of the foregoing, Bank and / or Futuretek shall be entitled to undertake enhancements for customer experience and transaction security in its absolute discretion. For the avoidance of any doubt, it is clarified that enhancements may also be in the nature of optimisation procedures, both manual and machine learning based, for different modes of payments in order to improve the payment performance.

    You acknowledge that it shall be required to provide up to date, correct and accurate information, including its mobile number registered with the relevant bank, email address, and any other information, details as maybe required by Bank and/ or Futuretek from time to time.

    Terms and Conditions:

    Utkarsh Small Finance Bank Limited (hereinafter referred as “Utkarsh Bank” or “USFBL” or “Bank”) is engaged in the business of facilitating a suite of financial services to merchants to accept digital payments and providing other value-added services to merchants who are availing banking services with Utkarsh Bank in tie up with Futuretek Commerce Private Limited (hereinafter referred as “Futuretek”). In connection therewith, subject to and on the terms and conditions set out herein, UTKARSH Bank has agreed to provide the UTKARSH Bank payment acceptance (defined hereinafter) to you (the merchant\ the user) and you, hereby, agree to avail these Service.

    Futuretek shall be responsible for any error arising from payment or transactions made by the merchant through the app by way of their credit cards, debit cards, net banking and online wallets except by way of UPI or QR Codes payments”.

    General Information:

    “Customer” means any person who contracts with you for purchase goods and\ or services and makes a payment or remittance thereunder.

    “Bank” means “Utkarsh Small Finance Bank Limited.”

    “Futuretek” means “Futuretek Commerce Pvt. Ltd”, An entity with whom bank has collaborated and shall make available, a co-branded version of the “Utkarsh Vyapar” mobile application powered by Getepay and “Payment Gateway Services”, to Bank for its Merchant Services, on a revocable, non-exclusive, on limited license basis, in accordance with the specifications as agreed to between Parties.

    “Customer Payment Amount” means the amount paid by the Customer to you, using the Service, for purchase of any goods and\or services.

    “Utkarsh Vyapar Application” or “Mobile Payment Application” refers to co-branded ‘ Merchant Payment Solution’ mobile application developed by Futuretek under their brand name Getepay with whom Utkarsh Small Finance Bank Limited (hereinafter referred as “the Bank”) has collaborated to provide this solution to its customer who have an account with the Bank or avail UPI merchant payment facilities through Utkarsh UPI application provided by Bank, which can be downloaded from Google Play store or Apple Store. It enables merchants to accept/ collect payments using various payment methods such as UPI, Credit Cards, Debit Cards, and Wallets.

    "Merchant Services" the services or products provided by you to your customer\s, the remittance\ payment for which is to be made through the Customer's valid accounts \ Card\s or bank account, using Utkarsh Vyapar Application.

    “Merchent Accounts” means Bank account of the Master Merchant for collecting Fees, charges, and other levies. In case the Master Merchant intends to use this Master Merchant Account to settle UPI transactions, for which the Master Merchant is the Receiver, then the Master Merchant Account shall also be used for settlement of transactions using Utkarsh Vyapar Application.

    “Processing Mechanism” means the payment mechanism through the internet or such other mode of payment and delivery as may be notified by Futuretek and/ or Utkarsh Small Finance Bank from time to time, including, but not limited to Immediate Payment Service (IMPS), National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), Credit Cards, Debit Cards, Wallet and\ or UPI (defined hereinafter).

    "Transaction" means an electronic financial transaction undertaken using the Utkarsh Vyapar Application.

    "UPI" means the Unified Payment Interface, which is a payment system that powers multiple bank accounts into a single payment network of participating banks permitting merging several banking features, seamless fund routing & merchant payments into one hood.

    "DEFINITIONS:"

    You expressly acknowledge and agree that:

    • (i) you are a legal person;

    • (ii) you are capable of entering and authorized to enter into a legally binding agreement;

    • (iii) your employees, officers, representatives, and other agents accessing “Utkarsh Vyapar Application” are duly authorized to access the Utkarsh Vyapar Application and to legally bind you to these terms and all actions;

    • (iv) all registration information you submit is accurate and truthful;

    • (v) you will maintain the accuracy of such information;

    • (vi) you are not barred or otherwise legally prohibited from accessing or using Bank UPI Application under the laws of India;

    • (vii) you are an entity duly constituted and validly existing under Indian law;

    • (viii) Expressly acknowledges and agrees that use of the Utkarsh Vyapar Application is permitted only for those who are physically located in India at the time of registration, linking to any offering forming part of the Utkarsh Vyapar Application and processing\ undertaking a Transaction.

    • (ix) To avail the Utkarsh Vyapar Application, you should be business entity holding an active Indian mobile number and Bank account with Utkarsh Small Finance Bank.

    ""ELIGIBILITY TO USE:""

    Utkarsh Vyapar Application include a dashboard service, an API service and such other value added services as may be notified by Futuretek and/ or Bank from time to time at its sole discretion.

    The scope of Utkarsh Vyapar Application, including the terms of use, is subject to amendments from time to time, which shall be notified to you upon any material amendments being implemented. Without prejudice to the generality of the foregoing, Bank and / or Futuretekshall be entitled to undertake enhancements for customer experience and transaction security in its absolute discretion. For the avoidance of any doubt, it is clarified that enhancements may also be in the nature of optimisation procedures, both manual and machine learning based, for different modes of payments in order to improve the payment performance.

    You acknowledge that it shall be required to provide up to date, correct and accurate information, including its mobile number registered with the relevant bank, email address, and any other information, details as maybe required by Bank and/ or Futuretekfrom time to time.

    You undertake not to access or attempt to access the Utkarsh Vyapar Application by any means other than through the interface that is provided by Futuretek and in the manner permitted thereby. You specifically undertake not to access or attempt to access the Utkarsh Vyapar Application through any automated means (including by use of scripts or web crawlers).

    SCOPE:

    Bank and/ or Futuretek shall be entitled, without exception and at its discretion, to deduct from any payments to be made to you, all outstanding Utkarsh Vyapar App Fees and any taxes, if any

    UTKARSH VYAPAR FEES:

    By accepting these Terms and Conditions, you expressly authorise Bank and/ or Futuretek to hold, receive, disburse and settle funds on your behalf. Such authorization shall permit Bank and / or Futuretek to receive Customer Payment Amounts pursuant to a Transaction into Bank account \ Utkarsh Bank or Futuretek account (Delivery Versus Payment), as applicable, to further process each Transaction. Futuretek and/ or Bank shall process and transfer such payments received by it to the Bank account designated by you for this purpose at the time of registration (“Merchant Account”). The authorization provided herein under shall remain in full force and effect until specifically terminated.

    By accepting these Terms and Conditions, you also expressly authorize Futuretek and/ or Bank to hold, receive and settle funds on your behalf to such other value-added services as may be opted & instructed by you on the permitted use of the application.

    Futuretek and/ or Bank shall initiate transfer of the relevant Customer Payment Amount received by it to the respective Merchant Account within the number of banking days from the date of successful transaction as defined in commercial arrangement with the merchant. Banking days being days on which private banks are open for business. The same will be transferred after deduction of Fees and charges as agreed under these Terms and Conditions. For clarity, you acknowledge that Futuretek and / or Bank shall be liable to settle Customer Payment Amounts only upon actual receipt thereof.

    PAYMENTS:

    With your acceptance, Futuretek and/ or Bank will make best efforts to provide alerts via SMS\e-mail\push notifications or sound notifications if you avail Sound Box facility provided by Futuretek and it shall be deemed that you shall have received the information sent from Futuretek and/ or Bank as an alert on your registered mobile number or e-mail id provided during the course of, or in relation to, using the Platform or any services. Bank and/ or Futuretekshall not be under any obligation to confirm the authenticity of the person(s) receiving the alert. You cannot hold Bank and/ or Futuretekliable for non-availability of the SMS\ email alert\ push notifications service in any manner whatsoever.

    The SMS\ e-mail alert\ push or sound notification service provided is an additional facility provided for your convenience and that it may be susceptible to error, omission and\ or inaccuracy. In the event that you observe any error in the information provided in the alert, Futuretek and/ or Bank shall be immediately informed about the same. You shall not hold Bank and/ or Futuretekliable for any loss, damages, claim, expense including legal cost that may be incurred\ suffered by you on account of the SMS\ e-mail alert\ push notification facility.

    The clarity, readability, accuracy and promptness of providing the SMS\ e-mail service depend on many factors including the infrastructure and connectivity. Bank shall not be responsible for any non-delivery, delayed delivery or distortion of the alert in any way whatsoever.

    Futuretek shall be responsible for any error arising from payment or transactions made by the merchant through the app by way of their credit cards, debit cards, net banking and online wallets except by way of UPI or QR Codes payments.

    COMMUNICATION:

    You hereby represent, warrant and covenant with Bank and/ or Futuretekthat:

    All information submitted by you to Futuretek and / or Bank is and shall during the tenure of the engagement be maintained as true, correct and accurate in all respects; You are not barred or otherwise prohibited from accessing or using Utkarsh Vyapar Application in any manner;

    You are and shall, during the tenure of this engagement, remain at all times the legal and beneficial owner of the Merchant Account and keep all details thereof up to date;

    All goods and\or services provided by you to a Customer shall be lawfully sold\provided and that you shall not sell\ provide products that are or may be perceived as illegal, offensive or prohibited and such other Services in Annexure A ;

    You shall not impersonate any person or entity, falsely claim or otherwise misrepresent an affiliation with any person or entity, or access the accounts of others without permission, forge another person’s digital signatures or perform any other fraudulent activity;

    You shall promote Utkarsh Vyapar Application at your place of business and website;

    You shall promptly provide all information and assistance as may be required by Bank and/ or Futuretekfrom time to time in dealing with requests or queries of any governmental authority or judicial\ quasi-judicial authorities;

    You agree to provide KYC information and details to Bank and/ or Futuretek, in electronic and physical form as may be required by Bank and/ or Futuretek.

    You understand that the QR Code which shall be generated by Application is unique and specific to you and that you shall at all times maintain the secrecy of this QR Code. Specifically, you agree and acknowledge that Bank shall not be liable in any manner whatsoever for any negligence or misuse of the QR Code by you or your agents, employees, representatives or Customers.

    You agree and understand that at the time of registration with Utkarsh Vyapar Application, a App PIN shall be generated which is enable you to access your unique and personal dashboard on “Utkarsh Vyapar Application” interface and view Transactions. You shall not share the App PIN with other persons and acknowledge that such sharing shall cause irreparable harm and that you shall be liable to indemnify Bank and/ or Futuretekfor any loss or damage suffered as a result of any unauthorised use.

    Futuretek shall provide you details of Transactions through a personal dashboard on “Utkarsh Vyapar Application” interface and you shall determine if there are any errors or unauthorised Transactions, and intimate Futuretek in writing of the same.

    You have appointed Bank and/ or Futuretekas a collection agent for payments to be received by it;

    It is agreed that Bank and/ or Futuretekshall be entitled to rely upon all electronic communications, orders or messages sent to Bank and/ or Futuretek through the Processing Mechanism in processing the Transactions. Bank and/ or Futuretek shall not be obligated to verify or make further inquiry into the identity of the sender, or integrity of any communications. Bank and/ or Futuretek shall not be responsible for any losses sustained through the use of stolen or hacked devices or fraudulent electronic transactions.,

    REPRESENTATIONS, WARRANTIES AND COVENANTS:

    Each Merchant acknowledges that, pursuant to these Terms and Conditions, it may have access to certain confidential information of the other Merchant and accordingly, each receiving Merchant agrees not to disclose to any third Merchant any confidential information of a disclosing Party.

    You shall ensure that no person who has access to any Utkarsh Vyapar Application shall reverse engineer, decompile or disassemble any software shared\ disclosed by Bank, or write or develop any derivative software or any other software program based thereon.

    Futuretek shall exclusively retain all rights, title and interest in and to the Utkarsh Vyapar Application (including without limitation ownership of all intellectual property rights therein and to the Processing Mechanism enabled by Futuretek and software related thereto). You understand and agree that the customizations, if any, carried out for and on behalf of you shall be intellectual property rights of Bank and/ or Futuretek and that you can only use such additional modifications\ amendments during the term of the engagement.

    CONFIDENTIALITY AND INTELLECTUAL PROPERTY:"

    You hereby undertake and agree to indemnify and hold harmless Bank and/ or Futuretek against all actions, proceedings, claims, penalties, demands and costs (including without limitation, legal costs of Bank and/ or Futuretek), awards, damages, losses, liabilities and\ or expenses, however arising out of or in connection with:

    • (i) Any claim of or proceeding brought by a Customer in relation to product and\/or service offered or sold by you; and

    • (ii) Any negligence by you or any of your agents, employees, licensees, contractors or Customers;

    • (iii) A breach of any term or condition mentioned herein, by you or any inaccuracy of a representation or warranty given by you hereunder;

    • (iv ) A breach of applicable laws.

    INDEMNIFICATION:

    Unless otherwise required by applicable law, all Transactions processed through Utkarsh Vyapar Application are non-refundable. Notwithstanding anything contrary contained in these Terms and Conditions, Bank and/ or Futuretek shall not be liable to you or any Customer fo`r any special, indirect, incidental or consequential damages arising in connection with these Terms and Conditions or otherwise.

    For any proven claims of any nature whatsoever, the total liability of Bank and/ or Futuretek shall never exceed Utkarsh Vyapar Fees for a 7 (seven) day period immediately preceding from the date of the relevant claim or demand.

    LIMITATION OF LIABILITY:

    Except as expressly provided herein, Bank disclaims all warranties, responsibilities, express or implied, written or oral, including but not limited towards warranties of merchantability, any service interruptions (including on account of communication outages, system failures or other interruptions that may affect the receipt, processing, acceptance, completion or settlement of Transactions) and fitness of Utkarsh Vyapar Application and it does not warrant that the functions contained in Application shall be uninterrupted or error free.

    Use of Utkarsh Vyapar Application in no way represents any endorsement of you by Bank. Bank is not obligated to mediate disputes between Customers and Merchants or between a Customer and you or any payment system participants.

    NO WARRANTY:

    Bank and/ or Futuretek reserve the right and shall be entitled to suspend the services immediately, including withholding, rejecting the settlements that is or may be suspicious, susceptible or fraudulent or for risk management purposes, pending inquiry and\or resolution of such issue, including any breach of these Terms and Conditions.

    SUSPENSION AND TERMINATION:

    Termination of these Services shall not release any Party from the obligation to make payment of all amounts then due and\or payable; upon Termination, both Parties shall settle all outstanding dues payable to the other Party.

    Should either Party hereto be delayed in or prevented, in whole or in part, from performing any obligation or condition hereunder, or from exercising its rights by reason or as a result of any force majeure, such party shall be excused from performing such obligations or conditions while such party is so delayed or prevented. The term \"force majeure\" as used herein means acts of God, acts of government, acts of terrorism, strikes, lockouts, or other industrial disturbances, acts of a public enemy, blockades, wars, insurrections or riots, terrorism, epidemics, landslides, fires, storms, floods, explosions, technological failures, breaches, hacks, system vulnerabilities or incompatibilities, or other similar causes beyond the control of such party.",

    FORCE MAJEURE:

    These Terms and Conditions shall be governed by and construed in accordance with the laws of India.

    Any difference, dispute, conflict or controversy, including any question as to its existence, validity or termination, arising out of or in connection with these Terms and Conditions (“Dispute”) shall, if not amicably settled within 30 (thirty) days after the receipt by one Party of a written notice from the other Party of the existence of such Dispute, be referred to and resolved in accordance with the Arbitration and Conciliation Act, 1996 by a sole arbitrator duly appointed by Bank. The seat and venue of arbitration shall be New Delhi and the arbitration shall be conducted in English. The award of the arbitrator shall be final and binding upon the Parties. Each Party shall bear its own cost of arbitration.

    The Courts at New Delhi \ Varanasi shall have sole and exclusive jurisdiction over any matters related to these Terms and Conditions.

    DISPUTE RESOLUTION, GOVERNING LAW AND JURISDICTION:

    Cooperation- You acknowledge that your timely provision of access to your systems and various devices, as well as assistance, processes, cooperation, complete and accurate information and data from your officers, agents, and employees and suitably configured hardware and software are essential to performance of any Utkarsh Vyapar Application. You shall allow Bank and/ or Futuretek to audit and inspect business processes followed by you related to Utkarsh Vyapar Application and suggest suitable changes thereto.

    Commercial Communication- You acknowledge that you may receive communication over voice calls and messages regarding Utkarsh Vyapar Application, and products, and such other promotional communications. You unconditionally consent that such communications are:

    • (a) upon your request and authorization;

    • (b)not 'unsolicited commercial communications' as per the guidelines of Telecom Regulation Authority of India (TRAI);

    • (c) In compliance with the relevant guidelines of TRAI or such other authority.

    Independent contractors- Nothing in these Terms and Conditions shall be deemed to constitute either Party a partner, agent or legal representative of the other Party, or to create any fiduciary relationship between the Parties.

    Severability- It is the intent of the Parties that in case any one or more of the provisions contained in these Terms and Conditions shall be held to be invalid or unenforceable in any respect, such provision shall be modified to the extent necessary to render it, as modified, valid and enforceable under applicable laws and such invalidity or unenforceability shall not affect other provisions of these Terms and Conditions.

    Notices- These Terms and Conditions shall be governed by and construed in accordance with the laws of India.

    MISCELLANEOUS:

    PROHIBITED SERVICES

    Adult goods and services which includes pornography and other sexually suggestive materials (including literature, imagery and other media); escort or prostitution services;

    Website access and\ or website memberships of pornography or illegal sites;

    Body parts, which includes organs or other body parts;

    Bulk marketing tools, which includes email lists, software, or other products enabling unsolicited email messages (spam);

    Cable descramblers and black boxes, which includes devices, intended to obtain cable and satellite signals for free;

    Child pornography, which includes pornographic materials involving minors;

    Copyright unlocking devices, which includes Mod chips or other devices designed to circumvent copyright protection;

    Copyrighted media, which includes unauthorized copies of books, music, movies, and other licensed or protected materials; yright unlocking devices, which includes Mod chips or other devices designed to circumvent copyright protection;

    Copyrighted software, which includes unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software;

    Counterfeit and unauthorized goods, which includes replicas or imitations of designer goods; items without a celebrity endorsement that would normally require such an association; fake autographs, counterfeit stamps, and other potentially unauthorized goods;

    Drugs and drug paraphernalia, which includes illegal drugs and drug accessories, including herbal drugs like salvia and magic mushrooms;

    Drug test circumvention aids, which includes drug cleansing shakes, urine test additives, and related items;

    Endangered species, which includes plants, animals or other organisms (including product derivatives) in danger of extinction;

    Gaming\ gambling, which includes lottery tickets, sports bets, memberships\ enrolment in online gambling sites, and related content;

    Government IDs or documents, which includes fake IDs, passports, diplomas, and noble titles;

    Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, website, or other protected property;

    Illegal goods, which includes materials, products, or information promoting illegal goods or enabling illegal acts;

    Miracle cures, which includes unsubstantiated cures, remedies or other items, marketed as quick health fixes;

    Offensive goods, which includes literature, products or other materials, that: Defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factors;

    Encourage or incite violent acts; Promote intolerance or hatred. Offensive goods, crime which includes crime scene photos or items, such as personal belongings, associated with criminals;

    Pyrotechnic devices, combustibles, corrosives and hazardous materials which includes explosives and related goods; toxic, flammable, and radioactive materials and substances;

    Regulated goods which includes air bags; batteries containing mercury; Freon or similar substances\ refrigerants; chemical\ industrial solvents; government uniforms; car titles; license plates; police badges and law enforcement equipment; lock-picking devices; pesticides; postage meters; recalled items; slot machines; surveillance equipment; goods regulated by government or other agency specifications;

    Securities, which includes government bonds or related financial products;Tobacco and cigarettes, which includes cigarettes, cigars, chewing tobacco, and related products;

    Traffic devices, which includes radar detectors\ jammers, license plate covers, traffic signal changers, and related products;

    Weapons, which includes firearms, ammunition, knives, brass knuckles, gun parts, and other armaments;

    Wholesale currency, which includes discounted currencies or currency exchanges;

    Live animals or hides\ skins\ teeth, nails and other parts etc. of animals;

    Multi-Level Marketing collection fees; Matrix sites or sites using a matrix scheme approach; Work-at-home approach and\or Work-at-home information; Drop-shipped merchandise;

    Any product or service which is not in compliance with all applicable laws and regulations whether federal, state, local or international, including the laws of India;

    The Merchant providing Application that have the potential of casting the Payment Gateway Facilitators in a poor light and\or that may be prone to Buy & Deny attitude of the cardholders when billed (e.g. Adult material\ Mature content\Escort Application\ friend finders) and thus leading to chargeback and fraud losses;

    Businesses or website that operate within the scope of laws which are not absolutely clear or are ambiguous in nature (e.g. Web-based telephony, Website supplying medicines or controlled substances, website that promise online match-making);

    Businesses out rightly banned by law (e.g. Betting & Gambling\ publications or content that is likely to be interpreted by the authorities as leading to moral turpitude or decadence or incite caste\ communal tensions, lotteries\ sweepstakes & games of chance;

    The Merchant who deal in intangible goods\ Application (eg. Software download\ Health\ Beauty Products), and businesses involved in pyramid marketing schemes or get-rich- quick schemes.

    Any other product or Service, which in the sole opinion of Utkarsh Bank, is detrimental to the image and interests of Utkarsh Bank, as communicated by either of them\ both of them to the Merchant from time to time.

    This shall be without prejudice to any other terms & conditions mentioned in this Agreement; Bulk marketing tools, which includes email, lists, software, or other products enabling unsolicited email messages (spam); Web-based telephony\ SMS\ Text \ Facsimile Application or Calling Cards. Bandwidth or Data transfer\ allied Application. Voice process \ knowledge process Application; and Mailing lists Virtual currency or credits that can be monetized, re-sold or converted to physical or digital goods or Application or otherwise exit the virtual world. Money laundering Application. Database providers (for tele-callers). Bidding\ Auction houses. Firms promoting business opportunities, investment opportunities and mortgages.

    Annexure A:" Will contain details of all the merchants who are prohibited by either Bank or Futuretek

    Loan calculator

    Amount ()

    1 Lac

    10 Cr

    Tenure ( )

    1 Month

    120

    Interest Rate (%)

    1%

    31%

    line-chart-pattern-bg
    Equated Monthly installments (EMI)

    2,10,651

    Need more Information?
    Deposit Amount
    Interest Earned

    Interest Rate

    8.00%

    Interest Earned

    3,50,452

    Maturity Value

    13,50,452

    Maturity Date

    20 Apr 2023

    (Indicative interest rates for calculation only. click here for latest rates.)

    FAQs

    It supports instant audio confirmation in 10 regional languages (Bengali, English, Gujarati, Hindi, Kannada, Malayalam, Marathi, Punjabi, Tamil & Telugu)

    You can track all your business transactions on the Merchant application app.

    All 4G enabled SIM cards are supported by the device

    • Login to Utkarsh Vyapar App
    • with the merchant ID & Password
    • Click on the sound box slider icon
    • Fill the Request form Submit

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