Utkarsh Small Finance Bank Mobile Banking

Last Updated : May 7, 2025, 4:07 p.m.

Utkarsh Small Finance Bank offers an advanced mobile banking solution through its official Utkarsh Mobile App, designed to empower customers with secure, on-the-go access to a wide range of financial services. Whether you're managing your savings account, transferring funds, paying bills, or applying for loans, the mobile app ensures that banking is just a tap away.

With an intuitive user interface and powerful features, the Utkarsh Mobile App brings banking convenience to your fingertips — anytime, anywhere. It caters to both retail and microfinance customers, helping them manage their accounts without the need to visit a branch.

Utkarsh Small Finance Bank Mobile Banking Registration

To register for Utkarsh Small Finance Bank mobile banking follow the steps below -

Step 1: Download the App

• Android Users: Download from the Google Play Store.
  
• iOS Users: Download from the Apple App Store.

Step 2: Launch the App and Select 'Self Registration'

• Open the app and tap on “Self Registration”.

Step 3: Choose a Registration Method

• Select one of the following options:
  
  • Account Number
    
  • Customer Information File (CIF) Number
    
  • Debit Card Details

Step 4: Send Verification SMS

• Tap on “SEND SMS”. This will open your default SMS app with a pre-filled message.
  
• Choose the SIM linked to your bank account and send the SMS.
  
• After sending, return to the Utkarsh Mobile App.

Step 5: Confirm Details

• Review the details displayed on the screen and tap “Submit”.

Step 6: Create Login Credentials

• Set up your User ID and Password.
  
• Select a Security Image and enter a Secure Phrase.
  
• Tap “Submit” to complete the registration process.

Process to Login Utkarsh Small Finance Bank Mobile Banking App

To login to Utkarsh Small Finance Bank mobile banking application follow the steps below -

Login Process

1. Open the App:
   • Launch the Utkarsh Mobile Banking App on your smartphone.
2. Select Language (if prompted):
   • Choose your preferred language for the app interface (if not already set during registration).
3. Enter Customer ID/User ID:
   • On the login screen, input your Customer ID or User ID (provided during account opening or found on your passbook/bank statements).
4. Enter MPIN:
   • Input your 4-digit MPIN that you set during registration.
   • Note: Biometric login (e.g., fingerprint or face unlock) is not currently supported.
5. Authenticate (if required):
   • For added security, you may be prompted to verify your identity via an OTP sent to your registered mobile number, especially for first-time logins or on a new device.
   • Enter the OTP to proceed.
6. Access the App:
   • After successful verification, you’ll be logged into the app’s dashboard, where you can access services like balance inquiries, fund transfers, bill payments, and more.

Utkarsh Small Finance Bank Whatsapp Mobile Banking

To start with whatsapp mobile banking for Utkarsh Small Finance Bank -

1. Save the Official Number: Add +91 95069 41111 to your contacts.
   
2. Initiate Chat: Open WhatsApp and send a “Hi” message to this number.
   
3. Follow Prompts: The system will guide you through available services.

This service is available 24/7, ensuring you have access to banking services anytime, anywhere.

Benefits of Utkarsh Small Finance Bank Mobile Banking

The Utkarsh Mobile Banking App offered by Utkarsh Small Finance Bank provides a range of benefits, enabling customers to manage their finances conveniently, securely, and efficiently. Below is a concise overview of the key benefits:

1. Convenience and Accessibility:
   • Access banking services anytime, anywhere using a smartphone (Android, iOS, or Windows Phone).
   • Perform transactions, check balances, or manage accounts without visiting a branch.
   • Available in multiple languages for user-friendly navigation.
2. Comprehensive Banking Services:
   • Account Management: View real-time balances, transaction history, and statements for Savings, Current, or Salary Accounts.
   • Fund Transfers: Seamlessly transfer money via IMPS, NEFT, RTGS, or UPI Lite to anyone, anytime.
   • Service Requests: Request chequebooks, update nominee details, or apply for lockers directly through the app.
3. Time-Saving Transactions:
   • Instant bill payments for utilities (electricity, water, gas) and credit card bills.
   • Quick loan applications (Microfinance, MSME, Housing, or Business Loans up to ₹10 Lakhs) and repayment management.
   • Cardless cash withdrawal at ATMs for added convenience.
4. Investment and Deposit Opportunities:
   • Open Fixed Deposits (FD) or Recurring Deposits (RD) with competitive interest rates (up to 8.25% p.a. for general customers, 8.75% for senior citizens).
   • Apply for IPOs using ASBA (Application Supported by Blocked Amount) directly via the app.
5. Enhanced Security:
   • Secure login with a 4-digit MPIN and OTP verification for transactions.
   • SIM binding ensures the app is linked to your registered mobile number, reducing unauthorized access risks.
   • Positive Pay feature for secure high-value cheque clearing.
6. Real-Time Alerts:
   • Receive instant SMS alerts for transactions, including salary credits, e-commerce purchases, POS transactions, PIN changes, or beneficiary updates, keeping you informed.
7. Card Management:
   • Easily apply for, block/unblock, or generate PINs for debit cards (e.g., RuPay Platinum, Master Platinum).
   • Upgrade to premium cards or manage card settings on the go.
8. Alternative Banking Channels:
   • WhatsApp Banking: Access balance inquiries or mini-statements by messaging the official WhatsApp number from your registered mobile number.
   • Missed Call Banking: Check account balance by calling 1800-123-9878 from your registered number, ideal for non-smartphone users.
9. Corporate Banking Support:
   • Business customers can manage bulk payments, multi-fund transfers, and transaction approvals, streamlining corporate financial operations.
10. Cost-Effective:
    • Many services, such as balance inquiries, fund transfers (within limits), and bill payments, are free or low-cost compared to branch visits.
    • Reduces travel and time expenses associated with physical banking.
11. Financial Inclusion:
    • Supports Utkarsh’s mission to serve underbanked and unbanked populations, offering accessible digital banking to rural and semi-urban customers.
    • Simplifies loan access for microfinance and small business customers.

How to Reset the Password of Utkarsh Small Finance Bank Mobile Banking?

Below are the steps to reset the Password of Utkarsh Small Finance Bank Mobile Banking -

1. Visit the Official Website:
   
   • Navigate to www.utkarsh.bank.
     
2. Access Internet Banking:
   
   • Click on "Ways to Bank" and select "Internet Banking".
     
3. Initiate Password Reset:
   
   • On the login page, click on "Reset Password" located on the right-hand side.
     
4. Enter Required Details:
   
   • Provide either:
     
     • Your Customer ID and Date of Birth, or
       
     • Your Debit Card Number, Card PIN, and Expiry Date.
       
5. Verify OTP:
   
   • An OTP will be sent to your registered mobile number. Enter this OTP to proceed.
     
6. Set New Password:
   
   • Create a new password and confirm it by re-entering.
     
7. Confirmation:
   
   • A confirmation message will appear on the screen indicating a successful password reset.

Utkarsh Small Finance Bank Mobile Banking Transaction Limit

The mobile banking transaction limits for Utkarsh Small Finance Bank are -

UPI Transaction Limits

• New Users (First 24 Hours): ₹5,000 per day.
  
• Existing Users (After 24 Hours): ₹1,00,000 per day for person-to-person transactions.
  
• Person-to-Merchant Transactions: No daily limit.
  
• Transaction Count Limits:
  
  • Person-to-Person: Up to 10 transactions per day.
    
  • Collect Requests: Maximum of 5 per day.
    
• IPO Applications: Up to ₹5,00,000.
  
• Other Categories (e.g., Insurance, Capital Markets): Up to ₹2,00,000.

Internet Banking Limits

• IMPS: ₹5,00,000 per day.
  
• NEFT:
  
  • Retail Users: ₹5,00,000 per day.
    
  • Corporate Users: ₹25,00,000 per day.
    
• RTGS:
  
  • Minimum Transaction: ₹2,00,000.
    
  • Maximum Transaction: ₹25,00,000 per day (customizable for corporate users).
    
• Internal Transfers: No specified limit; subject to available balance.
  
• Bill Payments: Up to ₹5,00,000 per day (may vary based on the merchant).

Cardless Cash Withdrawal via UPI (ICCW)

• Per Transaction Limit: ₹10,000.
  
• Daily Limit: Up to 2 transactions per day, totaling ₹20,000.