Utkarsh Small Finance Bank

Small Finance Bank Sector

“Badlav Ki Shuruaat”

Utkarsh Small Finance Bank, headquartered in Varanasi, Uttar Pradesh, is one of India's prominent small finance banks focused on financial inclusion in the Gangetic plain and eastern India. Commenced operations in 2017 after receiving the SFB license from RBI, Utkarsh SFB evolved from Utkarsh Micro Finance, a leading MFI serving underbanked women and rural households. The bank's mission-driven model focuses on empowering women through microfinance, and it has disbursed credit to millions of low-income households across Uttar Pradesh, Bihar, Jharkhand, and other states. Today, Utkarsh SFB has expanded beyond microfinance to offer savings accounts, fixed deposits with highly competitive rates, recurring deposits, micro loans, small business loans, home loans, gold loans, vehicle loans, and government-sponsored scheme implementation. The bank's extensive branch network of 900+ outlets gives it unmatched rural and semi-urban reach in eastern India. Its digital banking platform includes mobile banking, internet banking, and UPI payment services. DICGC insured and RBI regulated, Utkarsh SFB is listed on BSE and NSE. For customers in Uttar Pradesh, Bihar, and neighboring states looking for a bank that understands their needs, offers high FD rates, and supports financial inclusion at the grassroots level, Utkarsh SFB is an excellent banking partner.