1. Grow your wealth with Utkarsh Small Finance Bank 7/12/20181

2. Our Foundation From a Micro Finance Institution (NBFC-MFI) to a Small Finance Bank (SFB), Utkarsh Small Finance Bank in India, had an incredible journey. 2009-10 First Loan disbursed on Sep 21, 2009. Client base of more than 8,000 in Uttar Pradesh. 2011-12 Launched a new Loan Product-Micro Enterprise Loan. Campaign Client Protection Certificate. 2

3. Our Foundation 2012-13 Received Microfinance India Organisation of the Year Award (Small and Medium Category) Started National Pension System Services. 2013-14 Upgraded RBI License to NBFC-MFI. Client base of more than 3 Lakhs. Received Mix STAR (Socially Transparent And Responsible) Award. 2014-15 Received Smart Campaign Client Protection Certificate. 3

4. Our Foundation 2015-16 Received CIMSME’s MSME Banking Excellence Award. Grading upgraded to M1 (Highest) by ICRA Ltd. Started Pilot for Affordable Housing Loan Product. 2016-17 Received Skoch (Gold) – 2016 Award for Inclusive Insurance. CARE assigned Rating of A (A Stable) on Bank Loan Rating. Received Final License of Small Finance Bank from RBI. 4

5. Our Foundation 2017-18 Launch of full Banking Services by honorable Prime Minister. Received Commercial Bank status. Client base of more than 13 Lakh. Current Outreach - Over 400 Banking Outlets. Started Wholesale Lending Business. 2018-19 Received MFIN Microfinance Award 2018. Client base of more than 15 Lakh 5

6. Our Vision & Mission To be the trusted financial service provider to over 10 million customers by 2021. To provide affordable & accessible banking services which are process centric, technology enabled and people oriented resulting in reliable, scalable and sustainable institution facilitating socioeconomic change. 6 Vision Mission

7. Save better with us Our High Interest Savings Account Utkarsh Small Finance Bank values your effort of saving. Therefore, it offers high interest rate on its wide range of savings account. So whether it is a basic account, salary account, minor account or joint savings account, you get the best banking experience through our range of high interest savings accounts 7 Savings Account Standard Savings Account Premium Savings Account Minor Savings Account Standard Salary Account Premium Salary Account BSBDA BSBDA Small

8. BSBDA & BSBDA Small BSBDA Savings Account: The Basic Savings Bank Deposit Account by Utkarsh Bank is like any other banking service of savings account and is available to all sections of society. No Minimum Balance required Free Debit Card Facilities 8

9. BSBDA & BSBDA Small BSBDA Small Savings Account: Apart from high interest savings account, BSBDA Small Savings Account offers added benefits including a shopping limit of Rs.10,000 per month and a withdrawal limit of Rs. 10,000 per month from any ATM. Every account holder is given the Passbook Facility. You can benefit from our Four Free Transaction per month at all branches too. 9

10. Standard & Premium Savings Account Standard Savings Account: Whether you hold an Individual or a Joint Savings Account, your account has the potential to earn up to 6%* interest rate. Free unlimited ATM Transactions across all Bank ATMs within India; Classic Rupay Debit Card with Personal Accidental Insurance cover; Quarterly/Half Yearly balance requirement instead of monthly. * Terms & Conditions Apply 10

11. Standard & Premium Savings Account Premium Savings Account: An account that brings to your privileges more than just banking. Premium Savings Account is a 6%* interest savings account with features like personalised services, lifestyle benefits, various transactional offers, etc. Access to Premium Lounge at airports and Lifestyle Privileges; Doorstep Banking Services; Free online transaction facility. * Terms & Conditions Apply 11

12. Salary & Minor Savings Account Salary Savings Account: Salary Account with Utkarsh Small Finance Bank is a Zero Balance Account. With this high interest savings account you get the benefit of smart banking and a range of modern and customised investment solutions. Zero Balance Savings Account; Free and Unlimited ATM Access (own/other) Bank; Classic/Platinum Debit Card with Personal Accident Insurance Cover. 12

13. Salary & Minor Savings Account Minor Savings Account: Now introduce your child to the world of banking with Utkarsh Small Finance Bank Minor Savings Account which is customised specially for kids under the age of 18. Facility to auto transfer funds to Minor's Account; Classic Rupay Debit Card with Unlimited Free ATM access at (own/other) Banks within India; Lower ATM withdrawal and purchase limits as protection against misuse. 13

14. Start Saving for your Dreams Explore Utkarsh Small Finance Bank Recurring Deposit and Term Deposit Schemes Fixed Deposit: Fixed Deposit is a one-time investment plan that gives you greater return at the term end. You can earn up to 8.5%* interest rate on your Term Deposit. If you compare term deposit interest rates across banks, Utkarsh Small Finance Bank is one of the leading Banks that offers higher interest rate on Fixed Deposit Schemes Earn higher returns on your surplus; Enjoy additional returns for senior citizens; Facility of Quarterly and Monthly Pay-Outs. * Terms & Conditions Apply 14

15. Start Saving for your Dreams Recurring Deposit: Now invest your monthly surplus in our Recurring Deposit Account and give your funds a steady growth. To help you get started, we accept investment amount as small as Rs100. An individual can make a Joint Recurring Deposit Account; Higher interest rates; The Quarterly compounded interests make you reap the most out of the scheme. * Terms & Conditions Apply 15

16. Explore more investment products with Utkarsh Small Finance Bank Visit www.utkarsh.bank to know more.www.utkarsh.bank 16

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