Utkarsh Small Finance Bank Email Format

BankingUttar Pradesh, India10001+ Employees

Utkarsh Small Finance Bank provides banking and financial services with a focus on reaching underserved and unserved populations, delivering loans mainly in rural and semi-urban areas while mobilizing deposits nationwide. The bank traces its roots to Utkarsh Micro Finance and was incorporated in 2016, starting operations in 2017 under an RBI small finance banking licence, with headquarters in Varanasi and a presence in Harhua, Uttar Pradesh. Its lending portfolio spans microfinance via the joint liability group model, along with MSME loans, housing, personal, commercial vehicle, construction equipment, and wholesale lending.

The bank serves individuals and small businesses in rural and semi-urban markets seeking access to credit and other financial services that may be underserved by traditional banks. It supports digital access through internet and mobile banking and online account opening, complemented by a network of ATMs and micro ATMs for convenience. In 2025, Utkarsh Small Finance Bank formed a strategic partnership with PhonePe to launch the Wish Credit Card, underscoring ongoing collaborations to broaden digital credit access.

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