Utkarsh Small Finance Bank Limited (USBL) is a Scheduled Commercial Bank, registered with Reserve Bank of India under Section 22 (1) of the Banking Regulation Act 1949, with licence as MUM No. 125 dated November 25, 2016, USFBL offers gamut of Banking products and services like Microfinance Loans, other retail asset loans, including Micro, Small and Medium Enterprise (MSME) Loans, Housing Loans (HL), Wholesale Lending, Deposit Accounts (CA, SA, FD & RD), Insurance, Mutual Funds, Remittances, Institutional, Government and TASC services. It 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,