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  • Business Standard Account
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Home Business Accounts Current Account Upi Easy Account

UPI EASY ACCOUNT

A current account product, which eases the transaction by creating a virtual address/ UPI Id that becomes the identity for receiving and sending payments into merchant’s account without detailed information or net banking user id/ password along with an advantage of “Nil” average quarterly balance.

 

  • Benefits
  • Fee and Charges
  • FAQS
For Merchants:
  1. Instant receipt of payment with instantaneous settlement.
  2. A faster and smoother mode of payments for merchants.
  3. Merchants can use this account towards collection of proceeds for transactions happening through the QR codes.
  4. Allowing merchant’s consumer to directly pay through their digital wallets, in addition to the facility of paying from their bank accounts and receiving payment in their acquiring bank.
  5. Customized Welcome Kit with QR code and stand for Merchants.
For Customer:
  1. Allows customers to pay directly from their bank account or wallets to merchant’s account.
  2. All payments are instant and 24/7, regardless of Bank's working hours.
  3. Ease of payment anywhere, anytime.
  UPI EASY ACCOUNT
  Average Balance Requirements UPI EASY ACCOUNT
  AQB
  Metro & Urban branches Nil
  Semi urban & Rural branches Nil
  Charges for Non-Maintenance Nil
  Initial Funding Requirement Nil
  Transaction Charges  
  Credit Transactions - Free limits/month
(through UPI application only)
Unlimited
  Cash Deposit Transactions - Free limits/month Base Branch: 1 lakh
Non-base Branch: No Free Limit
  Cash Deposit Transactions - Charges beyond Free limit 3 /- per 1000/-
  Cash Withdrawal (Base Branch) - Free Limit/month Base Branch:1 lakhs
  Cash Withdrawal (Non-base Branch) - Free Limit/month Non-base Branch:50,000/-
  Cash Withdrawal (Non-base Branch) - Charges beyond Free Limit 2/- per 1,000/-
  Local Cheque Collection and Payments at
Base Branch Location & Fund Transfer
Free
  Account Maintenance - Free Limit 50 transactions per quarter(Cash, Clearing, Inter & Intra-Bank Transfer)
  Account Maintenance - Charges beyond Free Limit 10/- per transaction
  DD/PO Issuance  
  Demand Drafts Payable at own Bank Locations Upto 10,000/- 50/-
Above 10,000/- 4/- per 1,000/-
(Min  50/- Max  1000/-)
  Revalidation 100/- per instance
  Duplicate DD Issuance 100/- per instance
  DD/PO Cancellation 100/- per instance
  Cheque Book  
  Free Leaves One cheque book free per quarter
(10 leaves)
  Charges Beyond Free Limit  2/- per leaf
(20/- per cheque book)
  Payment Services  
  RTGS Inward/Outward Free
  NEFT Inward/Outward Free
  IMPS Payments Upto1 lakh -5/-
Above 1 lakh upto 2 lakhs - 15/-
  Doorstep Banking Services  
  Cash Pickup Not Available
  Documents/ Cheques/ DDs Pickup Not Available
  Phone/Mobile Banking  
  Phone Banking Free
  SMS Alerts Free
  Other Charges  
  Outstation Cheque Collection Fees at own locations (Charges per instrument)
Upto & Including 5,000/- 25/-
Above 5,000/- upto 10,000/- 50/-
Above 10,000/- upto 1 lakh - 100/-
Above 1 lakh upto 5 lakhs - 200/-
Above 5 lakhs upto 10 lakhs - 225/-
Above 10 lakhs - 250/-
  Outstation Cheque Collection Fees at Correspondent Bank locations (Charges per instrument)
Upto & Including 5,000/- 25/-
Above 5,000/- upto 10,000/- 50/-
Above 10,000/- upto 1 lakh - 100/-
Above 1 lakh upto 5 lakhs - 200/-
Above 5 lakhs upto 10 lakhs - 225/-
Above 10 lakhs - 250/-
(Plus other bank charges)
  Cheque Return Charges (Outward and Inward) 200/- per cheque
  Physical Account Statements (Quarterly) Free
  Email Account Statements (Quarterly) Free
  Stop Payment Instructions 100/- per instrument
  Signature Verification/Address Confirmation 100/- per instance
  Balance Certificate 100/- per instance
  Confidential Report/Credit Confirmation Free
  Solvency Attestation 100/- per instance
  Photo Attestation Free
  Activation of Inoperative Account Free
  Account Related Charges  
  Account Closure Within 14 days - Nil
After 14 days to 12 months- 500/-
 Above 12 months:250/-
 

For complete details on Fees and Charges effective from 01st Jan 2023 click here
 
What is UPI?
Unified payment Interface (UPI) is a payment system developed by National Payment Corporation of India (NPCI). It is a platform where customer can fetch and place all his accounts maintained with different banks and transact through these accounts. UPI allows customer to transfer money between any two parties via smart phone through a payment identifier like virtual address or Account number and IFSC.
Can an individual open a UPI Easy Account?
Yes, an Individual can open UPI Easy Account. Please visit branch for more details.
How many free Cheque leaves do I get?
You get 10 cheque leaves per quarter.
Do I need to register for UPI facility?
Yes, you can register for UPI through the Utkarsh UPI App available on Google Play store & iOS.
Can I use more than one UPI application on the same phone?
Yes, one can use more than one UPI application on the same phone and link accounts of any Bank registered with UPI.
What if my account is debited but the transaction fails?
Within a few minutes, the amount would be returned to you. In case of any further issues, please log a complaint to the customer care.
Can I send money to someone who is not registered on UPI?
Yes. Payment can be made via IFSC/ Account number or MMID/ Mobile number of the beneficiary.
I can’t access my corporate UPI Easy Account. Please help.
Yes, Please visit your nearest Utkarsh Small Finance Bank branch or call 1800-123-9878, 24×7 (Except National Holidays) for more details.
  • Benefits
    For Merchants:
    1. Instant receipt of payment with instantaneous settlement.
    2. A faster and smoother mode of payments for merchants.
    3. Merchants can use this account towards collection of proceeds for transactions happening through the QR codes.
    4. Allowing merchant’s consumer to directly pay through their digital wallets, in addition to the facility of paying from their bank accounts and receiving payment in their acquiring bank.
    5. Customized Welcome Kit with QR code and stand for Merchants.
    For Customer:
    1. Allows customers to pay directly from their bank account or wallets to merchant’s account.
    2. All payments are instant and 24/7, regardless of Bank's working hours.
    3. Ease of payment anywhere, anytime.
  • Fee and Charges
      UPI EASY ACCOUNT
      Average Balance Requirements UPI EASY ACCOUNT
      AQB
      Metro & Urban branches Nil
      Semi urban & Rural branches Nil
      Charges for Non-Maintenance Nil
      Initial Funding Requirement Nil
      Transaction Charges  
      Credit Transactions - Free limits/month
    (through UPI application only)
    Unlimited
      Cash Deposit Transactions - Free limits/month Base Branch: 1 lakh
    Non-base Branch: No Free Limit
      Cash Deposit Transactions - Charges beyond Free limit 3 /- per 1000/-
      Cash Withdrawal (Base Branch) - Free Limit/month Base Branch:1 lakhs
      Cash Withdrawal (Non-base Branch) - Free Limit/month Non-base Branch:50,000/-
      Cash Withdrawal (Non-base Branch) - Charges beyond Free Limit 2/- per 1,000/-
      Local Cheque Collection and Payments at
    Base Branch Location & Fund Transfer
    Free
      Account Maintenance - Free Limit 50 transactions per quarter(Cash, Clearing, Inter & Intra-Bank Transfer)
      Account Maintenance - Charges beyond Free Limit 10/- per transaction
      DD/PO Issuance  
      Demand Drafts Payable at own Bank Locations Upto 10,000/- 50/-
    Above 10,000/- 4/- per 1,000/-
    (Min  50/- Max  1000/-)
      Revalidation 100/- per instance
      Duplicate DD Issuance 100/- per instance
      DD/PO Cancellation 100/- per instance
      Cheque Book  
      Free Leaves One cheque book free per quarter
    (10 leaves)
      Charges Beyond Free Limit  2/- per leaf
    (20/- per cheque book)
      Payment Services  
      RTGS Inward/Outward Free
      NEFT Inward/Outward Free
      IMPS Payments Upto1 lakh -5/-
    Above 1 lakh upto 2 lakhs - 15/-
      Doorstep Banking Services  
      Cash Pickup Not Available
      Documents/ Cheques/ DDs Pickup Not Available
      Phone/Mobile Banking  
      Phone Banking Free
      SMS Alerts Free
      Other Charges  
      Outstation Cheque Collection Fees at own locations (Charges per instrument)
    Upto & Including 5,000/- 25/-
    Above 5,000/- upto 10,000/- 50/-
    Above 10,000/- upto 1 lakh - 100/-
    Above 1 lakh upto 5 lakhs - 200/-
    Above 5 lakhs upto 10 lakhs - 225/-
    Above 10 lakhs - 250/-
      Outstation Cheque Collection Fees at Correspondent Bank locations (Charges per instrument)
    Upto & Including 5,000/- 25/-
    Above 5,000/- upto 10,000/- 50/-
    Above 10,000/- upto 1 lakh - 100/-
    Above 1 lakh upto 5 lakhs - 200/-
    Above 5 lakhs upto 10 lakhs - 225/-
    Above 10 lakhs - 250/-
    (Plus other bank charges)
      Cheque Return Charges (Outward and Inward) 200/- per cheque
      Physical Account Statements (Quarterly) Free
      Email Account Statements (Quarterly) Free
      Stop Payment Instructions 100/- per instrument
      Signature Verification/Address Confirmation 100/- per instance
      Balance Certificate 100/- per instance
      Confidential Report/Credit Confirmation Free
      Solvency Attestation 100/- per instance
      Photo Attestation Free
      Activation of Inoperative Account Free
      Account Related Charges  
      Account Closure Within 14 days - Nil
    After 14 days to 12 months- 500/-
     Above 12 months:250/-
     

    For complete details on Fees and Charges effective from 01st Jan 2023 click here
     
  • FAQS
    What is UPI?
    Unified payment Interface (UPI) is a payment system developed by National Payment Corporation of India (NPCI). It is a platform where customer can fetch and place all his accounts maintained with different banks and transact through these accounts. UPI allows customer to transfer money between any two parties via smart phone through a payment identifier like virtual address or Account number and IFSC.
    Can an individual open a UPI Easy Account?
    Yes, an Individual can open UPI Easy Account. Please visit branch for more details.
    How many free Cheque leaves do I get?
    You get 10 cheque leaves per quarter.
    Do I need to register for UPI facility?
    Yes, you can register for UPI through the Utkarsh UPI App available on Google Play store & iOS.
    Can I use more than one UPI application on the same phone?
    Yes, one can use more than one UPI application on the same phone and link accounts of any Bank registered with UPI.
    What if my account is debited but the transaction fails?
    Within a few minutes, the amount would be returned to you. In case of any further issues, please log a complaint to the customer care.
    Can I send money to someone who is not registered on UPI?
    Yes. Payment can be made via IFSC/ Account number or MMID/ Mobile number of the beneficiary.
    I can’t access my corporate UPI Easy Account. Please help.
    Yes, Please visit your nearest Utkarsh Small Finance Bank branch or call 1800-123-9878, 24×7 (Except National Holidays) for more details.

 

 

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Registered Office Address:

Utkarsh Tower,
NH-31(Airport Road),
Sehmalpur, Kazi Sarai,
Harhua, Varanasi,
PIN – 221105, Uttar Pradesh

Phone:
0542-2500596
1800 123 9878

Email:
[email protected]

[email protected]

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  • Authorized Dealer License
  • MFIN
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 Disclaimer | Sitemap | Miscellaneous | Terms and Conditions | GST Registration Numbers

“Beware of Fictitious offers/ Lottery Winnings/Cheap Fund Offers – Do not fall prey to such fictitious offers by making remittance towards participation in such schemes/offers”

“Effective 1st September’19, TDS of 2% is applicable on cash withdrawal exceeding Rs. 1 crore in a financial year. For more details please click here ”

“Utkarsh Small Finance Bank Ltd." does not solicit/collect/request for payment of cash for its services/products. Beware of illegal/fraudulent entities using our brand name "UTKARSH" in any sequence/format.”

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

 

Utkarsh Finance Bank

Complaint Form

I authorise Utkarsh Small Finance Bank Ltd. & its representatives to Call, SMS or Email me with reference to my complaint.

If the resolution you receive does not meet your expectations, you may communicate your concern further to our Nodal Officer at [email protected] If you are unsatisfied with the responses you receive after following the first two levels of the complaint mechanism, you may write further to Mr. Aravind Khandelwal, Principal Nodal Officer at [email protected] As per the Banking Ombudsman Scheme 2006, if your complaint is not resolved within one month from filing the complaint or if you are not satisfied with the reply, finally you can also write to Office of the Banking Ombudsman appointed by Reserve Bank of India.

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