Frequently Asked Questions

The Bank provides deposit accounts, loans and advances, NRE deposits, ATM/debit card and digital banking services, safe deposit lockers and other customer banking services.

Please use the Branch Locator on this website to view branch addresses and contact details.

Please visit the Interest Rates page for the latest published deposit, loan, gold loan and locker-related rates. Rates are subject to revision.

Available account opening, deposit, nomination and other customer forms can be downloaded from the Downloads page.

The Bank offers Savings Bank Accounts, Current Accounts, Fixed Deposits, Recurring Deposits and NRE deposit facilities, along with special deposit schemes introduced from time to time.

Visit your nearest branch with the applicable account-opening form and KYC documents. The branch will advise you about current requirements.

Nomination facilities are available for eligible banking products in accordance with applicable rules. The nomination form is available from Downloads.

Please contact your branch with the required updated KYC documents.

The Bank publishes separate rates for eligible senior and super senior citizens for applicable domestic fixed deposits. Check the current Interest Rates page.

Yes. NRE deposit facilities are available. Contact a branch for eligibility, documentation and current terms.

Published schemes include Housing, Vehicle, Road Transport Operators, Business, Industrial, Consumption, Pensioners, Self Employment, Educational, Gold, Overdraft, Tourism Project, Film Making and Allied Agricultural loans.

Eligibility depends on the scheme and applicable Bank rules. The Bank's published general conditions state that the borrower must be a shareholder of the Bank.

Visit your nearest branch. The branch will advise you about the application, eligibility, security and supporting documents.

Yes. Housing loan schemes are available for eligible purposes including purchase of land, construction or purchase of a house, and purchase of a flat.

Yes. Vehicle loan schemes are available subject to eligibility and prevailing terms.

Yes. The Bank publishes multiple Gold Loan schemes. Check the Interest Rates page for current published rates.

Yes. Overdraft / Cash Credit is included among the Bank's published loan facilities. Contact a branch for current terms.

Use the EMI Calculator on this website for an indicative calculation. Actual repayment terms are determined by the Bank.

The website provides information about WhatsApp Banking, URBANK Mobile Banking, ATM/Debit Card services, SMS Alerts, digital payment facilities and WhatsApp Banking.

Currently we do not provide Internet Banking Service.

URBANK is the Bank's mobile banking application. Use the official app links provided on the Mobile Banking page.

Immediately use the Bank's available card-blocking/reporting channels or contact the Bank. Never share your PIN or OTP.

Keep the transaction details and contact the Bank through the applicable ATM dispute or customer-support channel.

Yes. WhatsApp Banking is provided subject to the Bank's applicable terms and conditions.

Never disclose OTP, ATM PIN, Internet/Mobile Banking password or card security information to anyone.

Report it to the Bank immediately using the official unauthorized-transaction reporting facility or contact the Bank without delay.

Do not open suspicious links, verify banking websites, avoid unknown applications and never disclose confidential banking information.

Please visit the Cyber Security page on this website for customer security guidance and precautions.

Yes. Safe Deposit Locker facility is among the services offered by the Bank. Availability can differ by branch.

Contact a branch offering locker facilities. Allotment is subject to availability and applicable terms.

Refer to the current Interest Rates / Charges information or contact the branch for applicable locker rent.

Contact the concerned branch or use the Bank's customer grievance channels. Refer to the Grievance Redressal page for escalation.

Follow the escalation levels provided in the Bank's Grievance Redressal mechanism and keep your complaint details available.

Where applicable, customers may approach the RBI Integrated Ombudsman through the RBI Complaint Management System after following the applicable complaint process.

Visit Downloads for forms, customer information, balance sheets and other public documents. SARFAESI notices are on the dedicated SARFAESI page.