Incorporated in 2016, Utkarsh Small Finance Bank Limited is one of India’s Small Finance Banks and has been among the fastest-growing SFBs in terms of AUM in FY19 and FY22. The bank offers a wide range of financial products including accounts, deposits, cards, insurance, investments, and various loan products catering to individuals, small businesses, and self-employed customers. It provides benefits like easy documentation, top-up/balance transfer facilities, and loans up to ₹50 crores with tenure up to 30 years. The bank’s portfolio spans micro banking loans, retail loans (secured and unsecured), wholesale lending, affordable housing loans, gold loans, and vehicle/construction equipment loans.