Utkarsh SFB SB account feedback required

I have sb ,FD's in both utkarsh and Ujjivan,  Infact Iam keeping at utkarsh 5-10 lkhs in sb (but highest short term fd interest is Jana @ 6.75% payable weekly which i have used but subject to TDS threshhold ) Utkarsh is the next best @ 6.65% for 10 lakhs in sb. (but payable in quarterly only) mothly SB  Interest payments is available at IDFC, ESAF , Suryoday. But your target amount 5-7 lakhs at sb in utkarsh is reasonable good. Internet banking and App banking is as good as HDFC,ICICI etc . Keeping liquid funds at sb is a strategy I use when I take a week or two break in stock trading ,

yes you can opt out. I have opted out of debit card also . easy to open internet banking and APP with out debit card. ( I have closed all bank debit cards other than Rupay platinnum;s ) 

Utkarsh sb interest slab  (up to 1 lakh, 1-5 lakh & over 5 lakh ) . I gave a approximate figure for 10 lakhs considering the lower slab for up to 1, 1-5 lakh slabs. Utkarsh is the best comapred to all SFB's ( AU, FINCARE, JANA, UJJIVAN, EQUITAS ,ESAF, SURYODAY )  I have serious accounts in all SFB;s . My Utkarsh branch is next door but still I do all my banking at Utkarsh in app or internet banking only. ince I know all sfb's ,from a retail customer perspective, you can go with utkarsh for a  (RBI safety )limit of 5 lakhs or say up to 10₹ lakhs  . for liquid money earning say 6-7% is not bad to cope with inflation.

In tata neu app, one can book FD at interest rate 8.25% and above for 1 year and 1 day. 

Also you get 250 coins on booking your first FD of minimum value 90k. 

As of today, among all banks with 5L DICGC assurance, Unity SFB gives the highest for 6L parked in Savings accounts and gives interest monthly.

For 6L in Savings Account, Unity will fetch 10.5+k quarterly, next is Utkarsh which should fetch 9+k (interest credit is quarterly though for Standard Savings account) and third is ESAF around 8.7+k (no idea about interest credit)

btw some say mobile banking @ Unity was there but for new customers it was not effective as the app was buggy and from last few months only its kind of usable to see details and do NEFT etc

Following.