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.