Information only
Utkarsh Small Finance Bank is a small finance bank (SFB) licensed by the Reserve Bank of India. RBI lists its address as Harhua, near Varanasi, Uttar Pradesh. According to its offer documents, it was incorporated on 30 April 2016 as a public limited company, and its promoter is Utkarsh CoreInvest Limited, formerly Utkarsh Micro Finance Limited. Its shares are listed, and the bank publishes a quarterly shareholding pattern on its site. This page is an information summary, not an offer.
Loans it offers
Loan products Utkarsh Small Finance Bank lists
| Loan | What to know |
|---|---|
| Home loans | The bank offers housing loans and its blog explains that a property in a Lal Dora village area can qualify if it meets the bank's legal, technical and valuation checks. |
| Loan against property | Lets you borrow against the value of a residential or commercial property you own, subject to eligibility and the bank's policy. |
| MSME and business loans | The bank describes MSME loan solutions, including for women-led businesses, and a working capital loan. |
| Gold Loan | Secured by pledged gold; the bank says the gold is returned after repayment. |
| Commercial vehicle and construction equipment loans | Listed among the bank's retail loans in its annual report. |
| Personal loans and overdraft loans | Listed among the retail loans in the bank's annual report. |
Read how these loans work on LOANZ 360: home loans, loans against property, MSME loans, business loans, gold loans and personal loans. The bank's own website is the record of its current products, eligibility and terms. The bank's product pages could not be fully reviewed on 8 November 2026, so the list above may be incomplete.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Small finance bank (regulated by the Reserve Bank of India) |
| Address listed by RBI | Harhua, Varanasi area, Uttar Pradesh |
| Incorporated | 30 April 2016 as a public limited company, according to its offer documents |
| Promoter | Utkarsh CoreInvest Limited, formerly Utkarsh Micro Finance Limited |
| Listing | Listed company; the bank publishes its shareholding pattern on its website |
As of 8 November 2026, RBI lists Utkarsh Small Finance Bank as a small finance bank.
Before you apply
- A small finance bank is an RBI-licensed bank that must lend a set share of its book to priority sectors and serves customers such as small traders, micro businesses and households in smaller towns.
- If you are buying in a village or Lal Dora area, ask the bank early how it treats the title papers; legal and technical checks decide whether it lends.
- For gold loans, ask how the gold is valued, stored and returned, and what happens if you miss a repayment.
- Ask for the Key Fact Statement (KFS) and read the annual percentage rate (APR), which includes the lender's fees.
Processing, foreclosure and penal charges are set by the lender, so ask for the schedule. Checking your own credit score does not lower it. Comparing eligibility before you apply helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score. Compare offers on interest rates.
Read the loan guides above, then see published rates on interest rates and other banks on lenders. The lending partner or information-only label here comes from live site data. If the page shows information only, apply on the bank's own website, the record of its current products.
Last updated 12 Nov 2026