Bank Accounts & Credit Cards — Utkarsham Microfinance
Banking Services · 1 of 3

Bank Accounts & Credit Cards

Savings, current and business accounts plus 29+ credit card options across every major bank — matched to your profile and applied for from one desk.

Get Free Assistance
7 Account Types
29+ Credit Cards
Same-Day Application
Pan-India Assistance
Also on this desk: Insurance, Demat & Investments CIBIL, Verification, PAN & Bill Payments

Savings & Business Accounts

From zero-balance digital savings accounts to dedicated business current accounts, we match you to the bank that fits your profile — and handle the KYC and onboarding end-to-end.

Zero / Low Minimum Balance OptionsDigital-first accounts with minimal balance requirements.
Video / Digital KYCMost accounts can be opened without a branch visit.
Business & Current Account SupportGST-linked current accounts for proprietors and companies.

Bank Account Options

7 Accounts
Equitas Savings Account Kotak 811 Savings Account IndusInd Savings Account IDFC Savings Account Airtel Payments Bank Account Tide Business Account Kotak 811 Super Saving Account

Credit Cards

29+ credit cards across cashback, travel, fuel, shopping and UPI RuPay categories. We check your eligibility first, then apply only for the cards you're likely to be approved for.

Eligibility Checked FirstWe pre-check income and credit score before you apply.
Matched to Your SpendingCashback, travel, fuel or UPI RuPay — whichever fits you.
Application Tracked to ApprovalWe follow up with the bank until your card is issued.

Credit Card Options

29 Cards
How It Works

From Request to Card in Hand

A simple, four-step process handled end-to-end by our banking desk.

01
Share Your Requirement

Tell us whether you need an account, a card, or both — and your usage pattern.

02
Eligibility & Matching

We check eligibility and shortlist the bank/card that fits best.

03
Application Submission

We submit your application with complete documentation, online or in-branch.

04
Approval & Activation

We track it through to issuance and help activate net/mobile banking or the card.

FAQ

Accounts & Cards, Answered

Everything you need to know before you apply

Do you open accounts on behalf of a specific bank?
No — we're independent. We compare options across multiple banks and match you to the one that fits your needs, not a single bank's product.
Will applying for multiple cards hurt my CIBIL score?
We pre-check your eligibility with a soft enquiry first, so we only apply for cards you're likely to be approved for — limiting unnecessary hard enquiries.
Can you help if my card or account is already blocked?
Yes. We help with unblocking, re-KYC and reactivation requests, and guide you through any branch paperwork required.
Is there a fee for this assistance?
The initial consultation is free. Any service fee, if applicable, is explained upfront before you proceed — no hidden charges.
Can you help set up banking for a new business?
Yes — current account opening, GST-linked business accounts and card applications for new businesses are all part of our desk's work.

Need an account or card sorted today?

Tell us what you're trying to do — open, upgrade or fix — and we'll take it from there.

Get Free Assistance Talk to Banking Desk
+91 94538 98019 info@utkarshammicrofinance.com support@utkarshammicrofinance.com Plot 10, 11 Vishnupuri Colony, Jankipuram, Lucknow, UP — 226021