Utkarsh Small Finance Bank Limited is a scheduled commercial bank in India that delivers a broad range of banking and financial services to individuals, small businesses, and underserved communities. The Bank was incorporated on April 30, 2016 and commenced operations on January 23, 2017 after receiving a banking licence from the Reserve Bank of India (RBI). It has its headquarters in Varanasi, Uttar Pradesh and operates nationwide through an expanding network of branches and digital channels.