Internet Banking

What is Utkarsh Small Finance Bank’s Internet Banking?
Internet Banking is an electronic payment system that enables customers of a bank or other financial institution to conduct a range of financial transactions through the financial institution's website.

What are the benefits of using Internet Banking?
Banking on the Internet is like having a Bank branch on your desktop. You can access your Bank any time and from any place.
With Utkarsh Small Finance Bank’s Internet Banking, you have the advantage of viewing and transacting in your account without having to visit Bank’s Branch.

Which are the banking services I can do online?

1. View your Account Balances, Account Activity, Account Details, Cheque Status Transfer Funds between your accounts or third party accounts maintained with Utkarsh Small Finance Bank, or with any other Bank which participates in RBI NEFT/RTGS/IMPS scheme, open a Term/Recurring Deposit, check the Term/Recurring Deposit rates over various tenures & amounts, set up Standing Instruction online to transfer funds between your own accounts, third party accounts
2. Request for a ChequeBook and give stop Cheques request.
3. Download Account Statement for the financial or calendar year, for a month or a specific period.
4. Communicate with the bank in a secure medium through the 'Inbox' option which will allow greater flexibility for communicating with us, including the ability to put an online request for our Home Banking Services
5. e-File income tax(Launching soon)
6. Pay all your utility and recharge prepaid mobile/DTH (Launching Soon)
7. Enquire about the TDS information on your deposits for the current & previous financial year.(Launching soon)

What are the features of Internet Banking?

1. Account Balance-Summary & Portfolio
2. Transfer & Payments facility
3. Create Fixed Deposits/Recurring Deposits
4. Apply for Loans
5. Apply for a New Debit Card
6. Generate Debit Card PIN Online

How can I register for Internet Banking?
You can register yourself for Internet Banking through the below mentioned process:

1. Visit our website www.utkarsh.bank > Ways to Bank > Internet Banking > Self Registration > Sign me up
2. You can do Self Registration either by using:
3. 1. Customer ID and DOB or
   2. Debit Card Number, Card PIN and Expiry Date
4. Please read and accept the Terms and Conditions in order to proceed.
5. Click on Next.
6. Please verify the details displayed on the screen
7. Click on Confirm
8. Enter OTP sent on your registered Mobile Number. Click on Submit.
9. Create your Profile by entering the details such as:
10. 1. User ID
    2. Password
    3. Re-enter Password. Click on Next
11. A Confirmation receipt appears on your Screen for successful registration.
12. Click on OK.

I have forgotten my existing Internet Banking User ID, how can I obtain it?
You can get your new User ID through the below mentioned process:
Step 1: Visit our website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login page appears on your screen.
Step 5: Click on “Forgot your User ID” appearing on the right hand side.
Step 6: Enter Customer ID and Date of Birth or Debit Card Number, Card PIN and Expiry Date.
Step 7: Click on Next.
Step 8: Please verify the details displayed on the screen
Step 9: Enter OTP sent on your registered Mobile Number. Click on Submit.
Step 10: A Confirmation receipt appears on your Screen for successful registration.
Step 12: Click on OK.

How do I Login to Internet Banking?
To login to Utkarsh’s Net Banking, you have to follow the below the mentioned process:
Step 1: Visit our website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login page appears on your screen where you can login with your User ID and password provided by the Bank.

I have forgotten my Password. How do I generate a new password?
You can generate your password by following the below mentioned steps:
Step 1: Visit our website www.utkarsh.bank
Step 2: Click on Ways to Bank
Step 3: Select Internet Banking
Step 4: Login page appears on your screen.
Step 5: Click on “Reset Password” appearing on the right hand side.
Step 6: Enter Customer ID and Date of Birth or Debit Card Number, Card PIN and Expiry Date.
Step 7: Click on Next.
Step 8: Please verify the details displayed on the screen
Step 9: Enter OTP sent on your registered Mobile Number. Click on Submit.
Step 10: Enter your New Password
Step 11: Re-confirm your New Password
Step 12: A Confirmation receipt appears on your screen for successful change of password.
Step 13: Click on Ok.

How many passwords do I have for Internet Banking?
You have only ONE password for Internet Banking i.e. Login password. The login password, as the name suggests is required to login to your Internet Banking account.

What is InterBank Fund Transfer?
InterBank Fund Transfer is a facility that allows you to transfer money from your account with Utkarsh Small Finance Bank to an account in any other Bank, subject to the beneficiary's Bank participating in the RBI National Electronic Funds Transfer (RBI - NEFT) scheme. This facility is available currently to resident Indian customers only.

1. You need to login using your Internet Banking login ID and password, and select Other Bank Fund transfer option under Payments and Transfers on the left hand side menu.
2. You will then need to select the source account and enter the amount to be transferred and the details of the beneficiary account like beneficiary name, beneficiary account number, account type, bank name and the destination branch.
3. Your account will be debited online, subject to sufficient available balance in your account. Requests will be processed as per NEFT batch timings defined and issued by RBI on regular basis.
4. The time taken to credit the Beneficiary's Account will be dependent on the time taken by the Beneficiary's Bank to process the payment.

Who can use Internet Banking?
All customers who have unconditional operating authority on any Utkarsh Small Finance Bank’s Savings/Current account (presently only for Individual Current Account holders) can get View and Transactional access to Internet Banking.

What do I need to access Internet Banking?
To access Internet Banking you need:

1. Internet Banking User ID and Password
2. A PC with a browser
3. An Internet connection

What are the charges for Internet Banking?
All Utkarsh Small Finance Bank customers are given free access to Internet Banking.

While trying to log into Internet Banking, I get an error message, what should I do?
Please check your User ID and password. Please note that password is case sensitive ('a' is different from 'A').
The other reasons for an error could be:

1. Internet Banking is compatible on Google Chrome 40+, Mozilla Firefox 40+, Internet Explorer 11 , Microsoft Edge 25.1 and Safari 7
2. You have entered the wrong password five times consecutively. Your User ID will get locked. This is done to prevent somebody from guessing your password and getting access to your account. Please call our Customer Care Centre for more information.
3. Our server may be temporarily down, please try logging in after some time.

What is OTP and for how long is the OTP valid?
OTP refers to One Time Password. The OTP is valid for 2 minutes. One Time Password acts as a secondary authentication over and above your login ID and password for Online Banking. One Time Password is required for all key financial transactions and this will be a 6 digit number sent as an SMS to your Registered Mobile Number.
*Please note that every OTP comes with a unique Reference ID to help you enter the relevant OTP in case you have generated multiple OTPs for the same transaction.

How should I compose a Password?

1. Password should be a mix of alphabets and numerals or alphabets and special characters ($#^@&%_.~!*) without any space in between.
2. The password length should be between 6 to 28 characters.
3. New password cannot be the same as any of the last five login password.
4. Utkarsh recommends all Internet Banking Customers to read Online Security Tips.

How long is a User ID valid for?
Your User ID has no expiry date.

What modes of Fund Transfer is possible Online?
You can do a NEFT/RTGS/IMPS transfer online using your account to transfer funds between Utkarsh account and Other Bank accounts. To initiate any fund transfer, you need to Register a Beneficiary.

What is a Beneficiary and how to enroll a Beneficiary?
A Beneficiary is the person you wish to transfer funds to. There are no restrictions in the number of Beneficiaries that you can add on your account.
In your Internet Banking account > under Transfers > Add a New Beneficiary, you can add a new Beneficiary. Once Beneficiary details are entered, you will be requested to validate the same with a One Time password.. Once Beneficiary is added, you can make the first transaction within 4 hours for other Bank Customers & within 30 mins. for Utkarsh Customers.

What details do you need to add a Beneficiary?

1. Account number
2. Account type
3. IFSC Code - You can directly enter the IFSC Code or use our search option to type the Bank name, State name, City name and Branch to fetch the right IFSC Code.
4. Beneficiary Name – Actual name of the account holder you are trying to transfer funds to.
5. Beneficiary Nick Name – You don’t have to remember the actual name. Create your own nick names for friends/family or anyone that you wish to make the transfer to.

What are the non-financial transactions I can perform using my Online Banking account?

1. View your Account balance
2. View your Account statement
3. Enquire about Cheque status
4. Download Periodic Account Statement
5. Debit Card PIN Reset / Green PIN
6. Request for a ChequeBook
7. View your Fixed Deposit details
8. Download your Fixed Deposit Advice online.

For how long will my Internet Banking window be open before the session times out?
Your Internet Banking account will be idle upto 5 minutes of inactivity. Post 5 minutes, the session will be logged out and the user needs to login again.

What are the precautions I need to take for Internet Banking?

1. Please memorize the password and destroy the password mailer after you receive it.
2. After receiving the password mailer, immediately log on to Internet Banking and change your password.
3. Please don't disclose your password to anyone, including the Utkarsh Small Finance Bank staff.
4. Please change your password at regular intervals (at least once a month), especially after you have accessed Internet Banking on shared PCs.
5. Please don't use obvious passwords (like name, date of birth, etc.)