Free

Details

  • Released
  • Updated
  • May 16, 2017
  • August 20, 2026

Features

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About

Manage your finances on the go with this mobile banking service. Check balances, transfer funds, pay bills, open deposits, and apply for loans. Your financial companion is available 24/7 for a seamless banking experience.

Account balance and transaction history
Fund transfers (IMPS, NEFT, RTGS, UPI Lite)
Bill payments
Fixed and Recurring Deposit opening
Nominee details update
Locker facility application
TDS summary access
Loan applications
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What's New in Utkarsh Mobile

10.3

August 20, 2026

Update with minor fixes and improvements.

User reviews

Hassle free & smooth App

Good Experience

App not working

I installed the app today but even the login page not loading properly. It’s keep on loading. Kindly fix this issue

Lots of missing features

No option to change phone number,email update,ordering debit card,and many more neither on mobile banking app nor internet banking. Update your banking app come out from 90s era can can give hundreds of features and such things can verify online though adhaar verification otp etc.

Poor Service

I am extremely disappointed and frustrated with Utkarsh Small Finance Bank’s outdated, inefficient, and customer-unfriendly approach. In today’s digital era, almost every bank in India completes KYC fully online, yet your bank insists on a physical branch visit. This reflects a very old-fashioned mindset and poor process design.

Despite submitting all required KYC documents, my son’s account continues to remain debit frozen, which is completely unacceptable. This clearly indicates either gross inefficiency or complete lack of accountability, particularly at your Vashi branch, which I can confidently say is one of the worst-managed branches I have dealt with.
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Worst Bank

My bank account was frozen twice in 6 months. I got my KYC done 6 months ago. After 6 months it was frozen again for KYC. I have made three rounds till now. The bank people are not having any effect. I am not able to make any payment for the last 20 days. Address verification has also been done. After that they are saying to submit the latest Aadhar card. Every time they are giving some new requirement. My most earnest request is that please do not get an account opened in Utkarsh Small Finance Bank..Sector 15 branch Gurgaon.
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Response from developer

Dear Sir, Thank you for your time. We regret the inconvenience caused. For assistance, please call 1800 123 9878 or email us at customercare@utkarsh.bank. We're here to help! Have a good day! Regards, Utkarsh Small Finance Bank Ltd.

Developer apps

FAQ

What can I do with Utkarsh Mobile?

Utkarsh Mobile allows you to manage your accounts, check balances, view transaction history, transfer funds using various payment options, pay bills, open fixed and recurring deposits, update nominee details, apply for lockers, and get your TDS summary. You can also apply for loans through the app.

How do I log in to Utkarsh Mobile?

To start using Utkarsh Mobile, download the app and log in with your existing Utkarsh Small Finance Bank online banking credentials. If you are not yet enrolled in online banking, you can sign up directly through the app or the bank's website.

Is Utkarsh Mobile secure?

As the official mobile banking service from Utkarsh Small Finance Bank, the app is designed with security in mind to protect your financial information and transactions. Specific security features are not detailed in the description, but banking apps typically employ encryption and multi-factor authentication.

What payment options are available for fund transfers in Utkarsh Mobile?

Utkarsh Mobile supports various payment options for fund transfers, including IMPS, NEFT, RTGS, and UPI Lite, allowing for flexible and convenient money movement.

Can I open new accounts with Utkarsh Mobile?

Yes, you can open Fixed Deposits and Recurring Deposits at your convenience directly through the Utkarsh Mobile app. The app also facilitates applying for a locker facility.

What devices is Utkarsh Mobile available on?

Utkarsh Mobile is available on iPhone, iPad, and iPod devices, indicating compatibility with Apple's iOS ecosystem.

How often is Utkarsh Mobile updated?

The latest version of Utkarsh Mobile is 10.1, and it was last updated on May 12, 2026. This suggests regular updates are provided to enhance features and security.

Does Utkarsh Mobile have ads?

No, Utkarsh Mobile does not contain advertisements, providing an ad-free banking experience for its users.