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Benefits :
  • Earn Higher Rate of Interest upto7.50%p.a.*.
  • Unlimited Free Cash Withdrawal at ATM's/Branches of Utkarsh SFB.
  • Zero liability coverage upto ₹50,000/-.
  • Digital Banking-Internet Banking/Mobile banking/ UPI facility.
  • Use UPI lite for low value transactions.
  • Exciting Offers on International Debit Cards(Rupay/Master Card) for Shopping/Dining/Travel etc..
  • Free AMC charges on Demat account for the first year with ASBA facility.
Product Details :
An average quarterly balance of 5,000 in metro/urban banking outlet & 2,500 required in semi-urban/rural banking outlet. Certain unique features of our standard savings account, include higher ATM withdrawal and purchase limits.. The interest is calculated on daily product basis and credited quarterly.Zero Liabilities coverage on Debit card.
Average Balance :
The biggest advantage our customers have is that they need to maintain an Average Quarterly Balance (AQB) instead of a monthly balance. Metro/urban customers can enjoy banking services by maintaining an Average Quarterly Balance (AQB) of just 5,000 and semi-urban/rural customers can enjoy the same at 2,500 of Average Quarterly Balance (AQB).
NEFT/RTGS/IMPS transactions (Online)
  • RTGS Outward - Free
  • NEFT Outward - Free
  • IMPS Payments Upto 1 lakh - 5/-
  • Above 1 lakh upto 2 lakhs - 15/-
Doorstep Banking Services
  • Cash Pickup Charges (within city limits with a radius of 5 km from base branch) Not Available
  • Cheque Pickup Charges (within city limits with a radius of 5 km from base branch) Not Available
Other Charges
  • Quarterly Physical Statements - Free
  • Email Statements - Free
  • SMS Alerts 50p. per SMS Periodicity: Monthly
  • Stop Payment Instructions - 100/- per cheque
  • Signature, Address and Photo attestation - 100/- per instance
  • Balance Certificate 100/- per instance
Important Point: No Additional Interest Rate for Senior Citizen.

Benefits :
  • Earn Higher Rate of Interest upto7.50%p.a..
  • Unlimited Free Cash Withdrawal at ATM's/Branches of Utkarsh SFB
  • Unlimited free transactions from any ATM
  • Free SMS alerts
  • Zero liability coverage -upto ₹1,00,000/-
  • Free Premium Lounge at Domestic Airport *.
  • Accidental Death & Permanent Disability coverage of ₹2,00,000/-
  • Exciting Offers on International Debit Cards(Rupay/Master Card) for Shopping/Dining/Travel etc.
  • Digital Banking-Internet Banking/Mobile banking/ UPI facility.
  • Use UPI lite for low value transactions.
  • Doorstep Bank Services**
  • Free AMC charges on Demat account for the first year with ASBA facility.
  • *2 times in a quarter
    **Applicable Charges and subject to availability
Product Details :
An average quarterly balance of 50,000 is required to be maintained or minimum composite total relationship value of 500,000 is required to be maintained collectively in the current, savings and term deposit accounts, linked to the Premium Savings Account. Customers are offered unlimited free domestic transactions at any ATM. A Platinum Rupay debit card with an accidental policy cover of up to 200,000, is also offered to the account holder. The interest is calculated on daily product basis and credited quarterly.
Average Balance :
You are required to maintain an Average Quarterly Balance of 50,000 or total relationship of 5,00,000 in your Savings and FD A/C.
NEFT/RTGS/IMPS transactions (Online)
  • RTGS Outward - Free
  • NEFT Outward - Free
  • IMPS Payments - Free
Doorstep Banking Services
  • Cash Pickup Charges (within city limits with a radius of 5 km from base branch) 2 visits/month free
  • Max.50,000/- per visit
  • After free limit : 250/-
  • Cheque Pickup Charges (within city limits with a radius of 5 km from base branch) 2 visits/month free
  • After free limit :250/- per visit
Other Charges
  • Quarterly Physical Statements - Free
  • Email Statements - Free
  • SMS Alerts - Free
  • Stop Payment Instructions - 100/- per cheque
  • Signature, Address and Photo attestation - Free
  • Balance Certificate - Free
Important Point: No Additional Interest Rate for Senior Citizen.
For any queries please drop a mail to customercare@utkarsh.bank or call our Customer Care at 1800-123-9878.