Utkarsh Small Finance Bank Credit Officer Salaries by 200+ Employees (Updated 2025)

0 - 5 years exp.

₹1.5 Lakh - ₹4.1 Lakhs

Avg. annual salary

Monthly In-hand Salary

28% less than the average Credit Officer Salary in Banking Companies for 0 - 5 years of experience

Interested in this particular role? 4 job openings

Salaries in different departments

Finance & Accounting Credit Officer Salary 0 - 5 years exp. (64 salaries)	₹1.5 L/yr - ₹4.1 L/yr
BFSI, Investments & Trading Credit Officer Salary 0 - 5 years exp. (37 salaries)	₹1.5 L/yr - ₹3.7 L/yr
Login to view exact salary
Customer Success, Service & Operations Credit Officer Salary 0 - 5 years exp. (15 salaries)	₹1.8 L/yr - ₹3.5 L/yr
Sales & Business Development Credit Officer Salary 0 - 3 years exp. (12 salaries)	₹2 L/yr - ₹3 L/yr

Last Updated: 14 Mar 2025

Companies similar to Utkarsh Small Finance Bank for Credit Officer

Company name	Avg Annual Salary	Open Jobs
Ujjivan Small Finance Bank Credit Officer Salary 0 - 8 years exp. (358 salaries)	₹1.9 L/yr - ₹6 L/yr 63% more
HDFC Bank Credit Officer Salary 1 - 8 years exp. (253 salaries)	₹1.2 L/yr - ₹4 L/yr 2% less
Login to view exact salary
Axis Bank Credit Officer Salary 0 - 6 years exp. (171 salaries)	₹1.2 L/yr - ₹6.5 L/yr 38% more	1 job opening
RBL Bank Credit Officer Salary 0 - 7 years exp. (167 salaries)	₹1.4 L/yr - ₹4.4 L/yr 5% more
IndusInd Bank Credit Officer Salary 1 - 10 years exp. (135 salaries)	₹1.5 L/yr - ₹4.2 L/yr 6% more
ICICI Bank Credit Officer Salary 0 - 6 years exp. (115 salaries)	₹1.2 L/yr - ₹4.7 L/yr 2% less
Kotak Mahindra Bank Credit Officer Salary 0 - 6 years exp. (101 salaries)	₹1.5 L/yr - ₹4.5 L/yr 3% more
Yes Bank Credit Officer Salary 2 - 10 years exp. (48 salaries)	₹2 L/yr - ₹4 L/yr 6% more
Jana Small Finance Bank Credit Officer Salary 0 - 7 years exp. (50 salaries)	₹1.3 L/yr - ₹3.6 L/yr 2% less
IDFC FIRST Bank Credit Officer Salary 0 - 8 years exp. (41 salaries)	₹2.1 L/yr - ₹4.9 L/yr 12% more

View all

Credit Officer salary at Utkarsh Small Finance Bank ranges between ₹1.5 Lakh to ₹4.1 Lakhs per year for employees with less than 1 year of experience to 5 years. Salary estimates are based on 239 latest salaries received from various employees of Utkarsh Small Finance Bank.

Latest annual salaries shared by Utkarsh Small Finance Bank Credit Officer

3w ago

₹2 Lakhs

1 year exp.

1mo ago

₹2.5 Lakhs

2 years exp.

2mo ago

₹2.1 Lakhs

2 years exp.

2mo ago

₹2.4 Lakhs

3 years exp.

3mo ago

₹2.1 Lakhs

4 years exp.

3mo ago

2 years exp.

3mo ago

1 month exp.

3mo ago

3 years exp.

4mo ago

4 years exp.

5mo ago

2 years exp.

Experience wise Utkarsh Small Finance Bank Credit Officer salaries

Last Updated: 14 Mar 2025

Experience	Avg Annual Salary
Fresher (34 salaries)	₹1.5 L/yr - ₹2.9 L/yr
1 year (72 salaries)	₹1.5 L/yr - ₹3.4 L/yr
Login to view exact salary
2 years (75 salaries)	₹1.5 L/yr - ₹4.1 L/yr
3 years (39 salaries)	₹1.8 L/yr - ₹3.4 L/yr
4 years (15 salaries)	₹2 L/yr - ₹4.1 L/yr
5 years (4 salaries)	₹2.2 L/yr - ₹3 L/yr

View all

From

Credit Officer

₹

Lakhs/yr

0 - 5 years exp.

Deputy Manager

₹

Lakhs/yr

0 - 12 years exp.

Credit Officer

0 - 5 years exp.

Assistant Manager

0 - 9 years exp.

50% hike

Assistant Manager II

1 - 11 years exp.

23% hike

From

View 1 more level

Credit Officer

0 - 5 years exp.

Branch Head

6 - 17 years exp.

From

Credit Officer

0 - 5 years exp.

Collection Officer

1 - 7 years exp.

Disclaimer: Our data limits the visualization of this career path at this point. However, other roles and opportunities might be available within the organization beyond what is shown here.

Similar Designation salaries in Utkarsh Small Finance Bank

Credit Manager Salary

(280 salaries)

₹2 L/yr - ₹10 L/yr

Sales Officer Salary

(35 salaries)

₹1.55 L/yr - ₹3 L/yr

Credit Analyst Salary

(19 salaries)

₹4.5 L/yr - ₹18.19 L/yr

Senior Credit Officer Salary

(5 salaries)

₹1.86 L/yr - ₹2.9 L/yr

Officer Salary

(5 salaries)

₹1.7 L/yr - ₹5 L/yr

Credit Executive Salary

(6 salaries)

₹1.9 L/yr - ₹4.8 L/yr

Area Credit Manager Salary

(26 salaries)

₹4.5 L/yr - ₹11.3 L/yr

Branch Manager Salary

(260 salaries)

₹3.75 L/yr - ₹14 L/yr

Deputy Manager Salary

(242 salaries)

₹4.05 L/yr - ₹9.5 L/yr

Chief Manager Salary

(56 salaries)

₹9.6 L/yr - ₹18.5 L/yr

Top skills at Utkarsh Small Finance Bank for Credit Officer

Fresher Instrumentation Microfinance Field Sales NBFC Sales Banking Bulk Hiring Rural Finance Agri Finance CPA Salesforce liabilities Credit Operations MBA Marketing Credit Operations

Salary related reviews for Utkarsh Small Finance Bank

3.8

Rated by 170 employees for salary & benefits

Credit Officer in Pusad

Full Time

Finance & Accounting Department

3.0

• posted on 03 Nov 2024

2.0

for Salary and Benefits

Likes

My Branch total 7 days work holiday bank open sunday work salary firsht six month best salary but next six month salary is low insensitive not available clients emi self mannage bank total collection posting but od members cash self deposit I'm not satisfying in this bank

Dislikes

I'm not satisfied utkarsh small finance bank work time work 16 hours salary low

Salary - Poor

+5 more

Credit Officer in Rudrapur

Full Time

Finance & Accounting Department

5.0

• posted on 29 Aug 2024

5.0

for Salary and Benefits

Likes

According to Utkarsh Small Finance Bank, they offer a unique work-life balance culture that helps employees focus on their work and live a healthy, stress-free life. They also offer a variety of employee-centric activities to help employees unwind and maintain a holistic approach to work-life balance.

Salary - Excellent

+5 more

Dislikes

Low salary: Some say that the salary is low and not comparable to other banks. For example, one reviewer says that engineering graduates start at 9,000 rupees per month, which is considered shameful. No promotions: Some say that there are no opportunities for promotion, and that hard work is not appreciated. Politics: Some say that there is too much politics in the workplace, and that superiors are not supportive. Long hours: Some say that MB branches have late working hours and heavy workloads. No time management: Some say that there is no time management. Manual work: Some say that there is too much manual work. No digital features: Some say that the bank lacks digital features. Pressure: Some say that the job is stressful.

Credit Officer in Nayagarh

Bhubaneswar Department

5.0

• posted on 20 Dec 2021

5.0

for Salary and Benefits

Likes

100% job security. Work culture Very friendly.management team are help you in every time.

Salary - Excellent

+6 more

Dislikes

There is a lot of not politics and the management are address our issues.salary in a/c transfer in month end.onthe job training is given to new joinees

Credit Officer in Gopalganj

Micro banking Department

5.0

• posted on 03 May 2019

1.0

for Salary and Benefits

Likes

The company is open to innovation and readily adopts latest technology. I love the fact that I am a part of a team that casa reliable, loan and has a global client base.travel is completely dependent on my project and my client's location.

Skill development - Good

Dislikes

...I have to attend client calls in the evening and sometimes late in to the night. Managers do not value an individuals' unique strengths, minimum salary.

Salary - Bad

+4 more

Branch Manager in Prayagraj / Allahabad

Full Time

BFSI, Investments & Trading Department

1.0

• posted on 29 Jul 2023

1.0

for Salary and Benefits

Likes

Very bad experience I'm waiting one month notice period but not getting my salary Very bad company Very bad HR department

Dislikes

...nd and 4th Saturday leave.. (We don't get the same) 5. Even Sunday working on 7.As per mention in LOI 27k salary in hand but we got only 20k in hand 8. So we want change our department please. Hr not any person responce mail call I'm working 1 month notice period had completed but not getting notice period salary

Salary - Bad

+6 more

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Salary Discussions, Hike & Promotions

My current CTC is ₹7,80,660, which includes a ₹1,32,000 night shift allowance, and my monthly take-home pay is ₹72,133. I have received a new job offer with a CTC of ₹10,67,231, a monthly take-home pay of ₹83,333, and 192 restricted stock units (each valued at $60, vesting 25% after one year and quarterly thereafter). This new position is closer to my home and does not involve night shifts. The offer letter is attached. I have also requested a ₹95,000 monthly salary increase and am awaiting their response. Could someone advise me on whether I should accept the new offer or remain in my current role?

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Utkarsh Small Finance Bank Credit Officer Salary FAQs

What is the salary of Credit Officer at Utkarsh Small Finance Bank ?

The average salary of a Credit Officer at Utkarsh Small Finance Bank in India typically ranges from ₹1.5 Lakhs to ₹4.1 Lakhs per year, depending on experience (from Fresher to 5 years).

The top 10% of Credit Officer at Utkarsh Small Finance Bank earn more than ₹3.0 Lakhs per year, and the top 1% earn over ₹4.0 Lakhs per year. Credit Officer Salaries at Utkarsh Small Finance Bank can be higher or lower depending on factors such as the specific team, level of experience, and additional benefits like bonuses and stock options.

These estimates are based on salary data submitted by 200+ Utkarsh Small Finance Bank employees in India.

What is the estimated take home salary of a Credit Officer at Utkarsh Small Finance Bank in India?

The estimated take-home salary of a Credit Officer at Utkarsh Small Finance Bank in India typically ranges from ₹18,476 to ₹20,162 per month. This is based on the average salary range of ₹1.5 Lakhs to ₹4.1 Lakhs per year for employees with experience ranging from Fresher to 5 years.The take-home salary is calculated after accounting for standard deductions such as taxes, provident fund (PF), and insurance. Salary estimates are based on 200+ salaries received from various employees of Utkarsh Small Finance Bank. Check how we calculate in-hand salary with our in-hand salary calculator.

What are the key skills required to be a Credit Officer at Utkarsh Small Finance Bank ?

To be a Credit Officer at Utkarsh Small Finance Bank in india, the key skills required include:

- Fresher Instrumentation
- Microfinance
- Field Sales
- NBFC
- Sales

These skills are highly valued at Utkarsh Small Finance Bank and are crucial for successful performance in a Software Engineering role.

Which companies offer higher salaries than Utkarsh Small Finance Bank for Credit Officer in India?

First Abu Dhabi Bank	₹22.0 Lakhs to ₹50.0 Lakhs per year
Emirates NBD	₹12.0 Lakhs to ₹20.0 Lakhs per year
Central Bank of India	₹12.4 Lakhs to ₹21.5 Lakhs per year
UCO Bank	₹13.2 Lakhs to ₹18.0 Lakhs per year
IDBI Bank	₹7.0 Lakhs to ₹18.0 Lakhs per year

These companies are known for offering competitive compensation packages that can exceed the salary offered by Utkarsh Small Finance Bank, depending on the role and experience level.

What is the salary of a Credit Officer in companies similar to Utkarsh Small Finance Bank in India?

The salary of a Credit Officer at companies similar to Utkarsh Small Finance Bank in India varies, depending on the role, experience, and company size. Here are the typical salary ranges:

Canara Bank	₹8.0 Lakhs to ₹19.5 Lakhs per year
South Indian Bank	₹9.0 Lakhs to ₹15.0 Lakhs per year
Union Bank of India	₹6.5 Lakhs to ₹19.5 Lakhs per year
Karnataka Bank	₹7.0 Lakhs to ₹13.2 Lakhs per year
Federal Bank	₹5.0 Lakhs to ₹16.0 Lakhs per year

These companies, which operate in similar sectors, offer competitive salaries, although the range can vary based on the company and individual experience levels.

How the salary growth look like for a Credit Officer at Utkarsh Small Finance Bank in India?

The salary growth for a Credit Officer at Utkarsh Small Finance Bank depends on factors such as experience, performance, and promotions. On average, a Credit Officer can expect the following growth trajectory at Utkarsh Small Finance Bank:

Experience	Average Salary Range
Fresher	₹1.5 Lakhs to ₹2.9 Lakhs per year
1 year	₹1.5 Lakhs to ₹3.4 Lakhs per year
2 years	₹1.5 Lakhs to ₹4.1 Lakhs per year
3 years	₹1.8 Lakhs to ₹3.4 Lakhs per year

and so on.

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Utkarsh Small Finance Bank Credit Officer Salaries by Location

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Utkarsh Small Finance Bank Credit Officer Salaries

Utkarsh Small Finance Bank Credit Officer salary in India ranges between ₹1.5 Lakh to ₹4.1 Lakhs with an average annual salary of ₹. Salary estimates are based on 239 Utkarsh Small Finance Bank latest salaries received from various employees of Utkarsh Small Finance Bank.

Utkarsh Small Finance Bank Credit Officer salaries in India (Updated 2025)

Companies similar to Utkarsh Small Finance Bank for Credit Officer

Latest annual salaries shared by Utkarsh Small Finance Bank Credit Officer

Experience wise Utkarsh Small Finance Bank Credit Officer salaries

Similar Designation salaries in Utkarsh Small Finance Bank

Top skills at Utkarsh Small Finance Bank for Credit Officer

Salary related reviews for Utkarsh Small Finance Bank

Credit Officer in Pusad

Credit Officer in Rudrapur

Credit Officer in Nayagarh

Credit Officer in Gopalganj

Branch Manager in Prayagraj / Allahabad

Utkarsh Small Finance Bank Credit Officer Salary FAQs

Tell us how to improve this page.

Utkarsh Small Finance Bank Credit Officer Salaries by Location