Utkarsh Coreinvest Ltd.(erstwhile Utkarsh Micro Finance Ltd) is the promoting institution for 'Utkarsh Small Finance Bank'. Utkarsh Micro Finance started its operations way back in September 2009 to provide financial and non-financial services in its area of operations to the unbanked population who have the skill but are in need of capital.

Utkarsh CoreInvest Ltd. (registered as NBFC - CIC- ND- SI), started with credit under Joint Liability Group (JLG) model in FY 2009. Subsequently it added Micro Enterprise Loan(MEL), Housing Loan and Micro Pension Products it its product bouquet.

With effect from May 03, 2018, Reserve Bank of India vide its letter no. 21.01.582/2107 -18 issued a certificate for conversion of the company from NBFC - MFI - ND- SI to NBFC - CIC- ND- SI (Non - Deposit taking -Systemically important Core Investment Company).
Utkarsh Small Finance Bank Ltd.' is a Schedule Commercial Bank registered with Reserve Bank of India under Section 22 (1) of the Banking Regulation Act, 1949, licence MUM No. 125 dated November 25, 2016

Utkarsh Small Finance Bank offers gamut of Banking products & services which also includes Micro, Small and Medium Enterprise (MSME) Loans, Housing Loans (HL), Wholesale Lending, Deposit Accounts (CASA, FD & RD), Insurance, Mutual Funds, Remittances, Institutional, Government and TASC services. Utkarsh also offers wide range of payment services which includes Debit Cards, ATMs, POS Payments, Digital offerings like Internet Banking, Mobile Banking and payments through NEFT, RTGS and IMPS.

Headquartered at Varanasi, Uttar Pradesh Utkarsh Small Finance Bank has operations in Bihar, Chhattisgarh, Delhi-NCR, Haryana and Himachal Pradesh Jharkhand, Madhya Pradesh, Maharashtra, Uttar Pradesh, Uttarkhand, West Bengal.

The CSR initiatives with 'Utkarsh Welfare Foundation' (a section 25 company) focuses on Education (Financial Awareness) and Health (Polyclinics with Mobile Van) activities. It also organizes Blood Donation Camps, support orphanages and elderly homes as goodwill gesture.


a): "Reserve Bank Of India does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for discharge of liability by the company."

b): "Neither is there any provision in law to keep, nor does the company keep any part of the deposits with the Reserve Bank and by issuing the Certificate of Registration to the company,the Reserve Bank neither accepts any responsibility not guarantee for the payment of the deposit amount to any depositor."



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