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Utkarsh Small Finance Bank
3.8
based on 3.6k Reviews
Video summary
Company Overview
Company Locations
Working at Utkarsh Small Finance Bank
Company Summary
Utkarsh Small Finance Bank provides affordable banking services - loans, accounts, deposits and investments across India .
Overall Rating
3.8/5
based on 3.6k reviews
On-Par with
industry average
Work Policy
Work from office
87% employees reported
Monday to Saturday
45% employees reported
Strict timing
60% employees reported
Within city
47% employees reported
View detailed work policy
Top Employees Benefits
Job/Soft skill training
180 employees reported
Health insurance
153 employees reported
Office cab/shuttle
40 employees reported
Professional degree assistance
36 employees reported
View all benefits
About Utkarsh Small Finance Bank
Founded in2009 (16 yrs old)
India Employee Count10k-50k
Global Employee Count--
India HeadquartersVaranasi,Uttar Pradesh, India
Office Locations
--
Websiteutkarsh.bank
Primary Industry
Other Industries
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View in video summary
Utkarsh Small Finance Bank is a proud solitary Small Finance Bank from Varanasi. Established in 2009 with the mission to empower the low-income group financially, it has reached to new heights today. The objective of our bank is 'Ummeed' - giving hope to customers for fulfilling their dreams and needs. Over the years, we have extended our services to 112 Districts of 11 States. Today we boast a Customer Base of more than 15 Lakh satisfied customers with 400 Banking Outlets. In today's time where technology is reshaping the world, we aim to encourage people excluded from the formal banking sector until now to start banking with our affordable and accessible banking services. Our focus is to provide services that are process centric, technology enabled and people oriented resulting in reliable, scalable and sustainable institution facilitating socioeconomic change. We also have an initiative called Utkarsh Welfare Foundation which works in the areas of Financial Literacy and Inclusion apart from Health Initiatives.
Mission: Be the preferred financial institution across all customer segments through technology-enabled solutions that are sustainable, inclusive, and scalable, supported by a work culture that centers on passion, values, and corporate ethics to deliver the best in class customer experience
Vision: To be the most trusted, digitized bank that is financially and socially inclusive, and creates value across social strata through insightful and viable solutions.
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Utkarsh Small Finance Bank Ratings
based on 3.6k reviews
Overall Rating
3.8/5
How AmbitionBox ratings work?
5
1.6k
4
795
3
488
2
212
1
461
Category Ratings
3.7
Job security
3.6
Work-life balance
3.6
Skill development
3.5
Company culture
3.5
Salary
3.5
Work satisfaction
3.4
Promotions
Utkarsh Small Finance Bank is rated 3.8 out of 5 stars on AmbitionBox, based on 3.6k company reviews.This rating reflects an average employee experience, indicating moderate satisfaction with the company’s work culture, benefits, and career growth opportunities. AmbitionBox gathers authentic employee reviews and ratings, making it a trusted platform for job seekers and employees in India.
Read more
Gender Based Ratings at Utkarsh Small Finance Bank
based on 3.5k reviews
3.5
Rated by 520 Women
Rated 3.5 for Job security and 3.4 for Skill development
3.8
Rated by 2.9k Men
Rated 3.7 for Job security and 3.6 for Work-life balance
Work Policy at Utkarsh Small Finance Bank
based on 668 reviews in last 6 months
Work from office
87%
Hybrid
9%
Permanent work from home
4%
Utkarsh Small Finance Bank Reviews
Top mentions in Utkarsh Small Finance Bank Reviews
+ 5 more
Compare Utkarsh Small Finance Bank with Similar Companies
 |  Change Company |  Change Company |  Change Company | |
|---|---|---|---|---|
Overall Rating | 3.8/5 based on 3.6k reviews | 4.0/5 based on 42k reviews | 3.9/5 based on 43.6k reviews  | 3.7/5 based on 28.3k reviews |
Highly Rated for |  No highly rated category | Job security Skill development Company culture | Job security Skill development | No highly rated category |
Critically Rated for |  No critically rated category | No critically rated category | Promotions | Promotions |
Primary Work Policy | Work from office 87% employees reported | Work from office 91% employees reported | Work from office 84% employees reported | Work from office 79% employees reported |
Rating by Women Employees | 3.5 Good rated by 520 women | 3.9 Good rated by 11.1k women | 3.7 Good rated by 9.3k women | 3.6 Good rated by 6.1k women |
Rating by Men Employees | 3.8 Good rated by 2.9k men | 4.0 Good rated by 29k men | 3.9 Good rated by 32.2k men | 3.7 Good rated by 21k men |
Job security | 3.7 Good | 4.1 Good | 4.0 Good | 3.7 Good |
View more
Utkarsh Small Finance Bank Salaries
Utkarsh Small Finance Bank salaries have received with an average score of 3.5 out of 5 by 3.6k employees.
Customer Service Officer
(643 salaries)
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₹1 L/yr - ₹4.5 L/yr
Sales Executive
(427 salaries)
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₹1.1 L/yr - ₹3.5 L/yr
Brach Operation Manager
(332 salaries)
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₹2 L/yr - ₹10 L/yr
Branch Sales Manager
(262 salaries)
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₹3.3 L/yr - ₹9.6 L/yr
Relationship Officer
(257 salaries)
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₹1.5 L/yr - ₹4 L/yr
Deputy Manager
(249 salaries)
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₹4 L/yr - ₹9.7 L/yr
Credit Officer
(244 salaries)
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₹1.3 L/yr - ₹4.1 L/yr
Branch Head
(214 salaries)
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₹4 L/yr - ₹16.1 L/yr
Credit Manager
(210 salaries)
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₹2 L/yr - ₹8.4 L/yr
Senior Sales Executive
(192 salaries)
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₹2 L/yr - ₹3.6 L/yr
Utkarsh Small Finance Bank Interview Questions
A Customer Service Officer was asked 4mo agoQ. What is customer profiling?
A Senior Executive HRD was asked Q. How do you calculate Gratuity?
A Senior Executive Operations was asked Q. Have you ever faced any timing issues?
A Brach Operation Manager was asked 10mo agoQ. Have you handled deceased claims before?
A Credit Manager was asked Q. Which document is mandatory in the case of a partnership firm?
Utkarsh Small Finance Bank Jobs
Popular Skills Utkarsh Small Finance Bank Hires for
Current Openings
Utkarsh Small Finance Bank News
Utkarsh Small Finance Bank To Raise Up To Rs 750 Crore Through Share Sale
- Utkarsh Small Finance Bank plans to raise up to Rs 750 crore through share sale.
- The shares will be sold via QIP, preferential issue, private placements, further public offer or other permitted modes.
- The fundraise is subject to shareholders' approval and regulatory/statutory approvals.
- Utkarsh Small Finance Bank reported a net loss of Rs 168 crore in the third quarter.
Bloomberg Quint | 26 Feb, 2025
Share Market Live Updates 19 January 2025: Stock to buy today: Jubilant FoodWorks (₹693) – BUY
- PMS managers adjust midcap stock portfolios in response to market shifts, selling to lock gains or avoid losses.
- Apeejay Surrendra Park Hotels poised for growth with expanding hotel portfolio, strong financials, and focus on F&B segment. Target: ₹209.
- Utkarsh Small Finance Bank faces stress in microfinance portfolio, impacting earnings, with potential credit cost increase in Q4.
- SEC seeks Indian assistance in Adani Group fraud investigation, founders deny allegations, vow legal action.
HinduBusinessLine | 19 Feb, 2025
Broker’s call: Utkarsh SFB (Hold)
- Prolonged stress in Utkarsh Small Finance Bank's microfinance portfolio impacted Q3FY25 earnings, resulting in a net loss of ₹168 crore.
- X-bucket collection efficiency improved, reaching 99% in Feb'25, indicating a decrease in stress in the MFI segment.
- Credit cost was elevated at 9% in Q3, with SMA 1-2 at 5.6% and PCR at 61% as on Dec'24, suggesting higher credit cost in Q4 and Q1-FY26.
- The company expects stabilisation and gradual improvement in PAR due to improving trends in the MFI segment, and has made efforts to enhance collections and reduce case load.
HinduBusinessLine | 18 Feb, 2025
Utkarsh Small Finance Bank Q3 Updates: Total Deposits Up 33.5%
- Utkarsh Small Finance Bank's total deposits increased by 33.5% to Rs 20,172 crore in Q3.
- CASA ratio fell to 19.7% from 20% in the same quarter last year.
- Gross loan portfolio rose 16.2% to Rs 19,057 crore.
- Retail term deposits grew by 40.6% to Rs 10,163 crore.
Bloomberg Quint | 6 Jan, 2025
RBI Approves Merger Of Utkarsh CoreInvest with Utkarsh Small Finance Bank
- The Reserve Bank of India has approved the merger of Utkarsh CoreInvest Limited with Utkarsh Small Finance Bank Limited.
- The merger aims to simplify operations, enhance shareholder value, and create a stronger entity.
- The merger is expected to be completed within the next 12-13 months.
- Utkarsh Small Finance Bank had previously announced the merger with its parent company.
Bloomberg Quint | 3 Jan, 2025
Stocks To Watch Today: Hero MotoCorp, Ola Electric, Senores Pharma, JSW Energy, Max Financial
- Hero MotoCorp extended its partnership with Harley-Davidson Motor to expand the Harley-Davidson X440 into new variants, while rival Ola Electric has seen two senior executives quit.
- JSW Energy’s arm JSW Neo Energy acquired a large renewable energy platform for Rs 12,468 crore.
- The market will also buzz with the listing of three companies—Senores Pharma Ltd., Carraro India Ltd., and Ventive Hospitality Ltd.
- IOL Chemicals and Pharma, Prestige Estates, Utkarsh Small Finance Bank, and Zydus Life are some of the other stocks to watch on Monday.
Bloomberg Quint | 30 Dec, 2024
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Utkarsh Small Finance Bank FAQs
When was Utkarsh Small Finance Bank founded?
Utkarsh Small Finance Bank was founded in 2009. The company has been operating for 16 years primarily in the Banking sector.
Where is the Utkarsh Small Finance Bank headquarters located?
Utkarsh Small Finance Bank is headquartered in Varanasi,Uttar Pradesh.
How many employees does Utkarsh Small Finance Bank have in India?
Utkarsh Small Finance Bank currently has more than 16,000+ employees in India. BFSI, Investments & Trading department appears to have the highest employee count in Utkarsh Small Finance Bank based on the number of reviews submitted on AmbitionBox.
Does Utkarsh Small Finance Bank have good work-life balance?
Utkarsh Small Finance Bank has a Work-Life Balance Rating of 3.6 out of 5 based on 3,500+ employee reviews on AmbitionBox. 68% employees rated Utkarsh Small Finance Bank 4 or above, while 32% employees rated it 3 or below on work-life balance. This indicates that the majority of employees feel a generally balanced work-life experience, with some opportunities for improvement based on the feedback. We encourage you to read Utkarsh Small Finance Bank work-life balance reviews for more details.
Is Utkarsh Small Finance Bank good for career growth?
Career growth at Utkarsh Small Finance Bank is rated as moderate, with a promotions and appraisal rating of 3.4. 32% employees rated Utkarsh Small Finance Bank 3 or below, while 68% employees rated it 4 or above on promotions / appraisal. This rating suggests that while some employees view growth opportunities favorably, there is scope for improvement based on employee feedback. We recommend reading Utkarsh Small Finance Bank promotions / appraisals reviews for more detailed insights.
What are the cons of working in Utkarsh Small Finance Bank?
Working at Utkarsh Small Finance Bank does have some drawbacks that potential employees should consider. The company is poorly rated for promotions / appraisal, work satisfaction and salary & benefits, based on 3,500+ employee reviews on AmbitionBox.
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