Comparison Overview

Utkarsh Small Finance Bank

VS

Crédit Mutuel

Utkarsh Small Finance Bank

Registered Office: Utkarsh Tower, NH -31(Airport Road), Sehmalpur, Kazi Sarai, Harhua, , Varanasi, Uttar Pradesh, IN, 221105
Last Update: 2025-11-27
Between 750 and 799

Utkarsh Small Finance Bank Limited (USFBL), incorporated on April 30, 2016, is engaged in providing banking and financial services with a focus on the underserved and unserved sections of the country. The Bank’s lending activities are primarily focussed in rural and semi-urban locations of the country while its deposit mobilisation and other services are spread across the country. The Bank commenced its operations on January 23, 2017, pursuant to the small finance banking licence granted by RBI on November 25, 2016. Prior to transfer of the business of providing microfinance to the Bank, Utkarsh (as Utkarsh Micro Finance Limited, currently Utkarsh CoreInvest Limited) has a history of providing microfinance primarily to the customers in rural and semi-urban segments. The Bank extends microfinance loans based on Joint Liability Group (JLG) model to individuals, other retail asset loans including Micro, Small and Medium Enterprise (MSME) Loans, Housing Loans (HL), Personal Loans, Commercial Vehicle Loans, Construction Equipment Loans and Wholesale Lending to borrowers. The Bank offers a slew of digital services such as Internet and Mobile Banking, Digi On-Boarding, an online account opening facility for clients, besides a range of ATMs and Micro ATMs for ease of transactions, amongst others. The Bank is headquartered at Varanasi, Uttar Pradesh.

NAICS: 52211
NAICS Definition: Commercial Banking
Employees: 11,622
Subsidiaries: 0
12-month incidents
0
Known data breaches
0
Attack type number
0

Crédit Mutuel

46 rue Bastion, Paris, FR, 75017
Last Update: 2025-11-26
Between 750 and 799

Un modèle mutualiste au service des clients et des salariés. Réseau bancaire mutualiste constitué de 2124 Caisses locales le Crédit Mutuel se compose de 18 fédérations régionales, couvrant tout le territoire français. Société de personnes et non de capitaux, le Crédit Mutuel n’est pas coté en Bourse. Sa stratégie est ainsi dégagée de la recherche de la seule rentabilité à court terme, au profit d’un développement pensé sur le long terme. Son objectif central : rendre un service de qualité au coût le plus juste à tous ses sociétaires. Son organisation décentralisée favorise ainsi la qualité de service aux clients et la réactivité, par des circuits de décision courts. Reconnu à la fois par ses clients et les professionnels de la finance, le Crédit Mutuel décroche régulièrement des titres qui confortent son modèle mutualiste et ses valeurs de solidarité, responsabilité, égalité, proximité et responsabilité sociale portées par les salariés et les clients- sociétaires. Au-delà de son réseau, le Crédit Mutuel constitue un Groupe qui comprend également plusieurs filiales dont certaines sont implantées à l’étranger. Les nouveaux collaborateurs du Crédit Mutuel apprécient tout particulièrement : - un circuit de recrutement court, axé sur des entretiens évaluant notamment la personnalité et la motivation ; - un parcours d’intégration précis, suivi par la fonction Ressources Humaines. Les salariés apprécient tout particulièrement : - le Système d’Information au service du développement commercial ; - un management au travers d’objectifs collectifs ; - des démarches et outils de gestion des carrières et des compétences facilitant la progression dans l’entreprise ; - la qualité des formations de préparation ou d’accompagnement des changements d’emploi ; - la diversité des opportunités d’évolution, principalement commerciale, sur tous les marchés, dans toutes les entités du Groupe.

NAICS: 52211
NAICS Definition: Commercial Banking
Employees: 10,422
Subsidiaries: 0
12-month incidents
0
Known data breaches
0
Attack type number
0

Compliance Badges Comparison

Security & Compliance Standards Overview

https://images.rankiteo.com/companyimages/utkarsh-bank.jpeg
Utkarsh Small Finance Bank
ISO 27001
ISO 27001 certification not verified
Not verified
SOC2 Type 1
SOC2 Type 1 certification not verified
Not verified
SOC2 Type 2
SOC2 Type 2 certification not verified
Not verified
GDPR
GDPR certification not verified
Not verified
PCI DSS
PCI DSS certification not verified
Not verified
HIPAA
HIPAA certification not verified
Not verified
https://images.rankiteo.com/companyimages/credit-mutuel.jpeg
Crédit Mutuel
ISO 27001
ISO 27001 certification not verified
Not verified
SOC2 Type 1
SOC2 Type 1 certification not verified
Not verified
SOC2 Type 2
SOC2 Type 2 certification not verified
Not verified
GDPR
GDPR certification not verified
Not verified
PCI DSS
PCI DSS certification not verified
Not verified
HIPAA
HIPAA certification not verified
Not verified
Compliance Summary
Utkarsh Small Finance Bank
100%
Compliance Rate
0/4 Standards Verified
Crédit Mutuel
0%
Compliance Rate
0/4 Standards Verified

Benchmark & Cyber Underwriting Signals

Incidents vs Banking Industry Average (This Year)

No incidents recorded for Utkarsh Small Finance Bank in 2025.

Incidents vs Banking Industry Average (This Year)

No incidents recorded for Crédit Mutuel in 2025.

Incident History — Utkarsh Small Finance Bank (X = Date, Y = Severity)

Utkarsh Small Finance Bank cyber incidents detection timeline including parent company and subsidiaries

Incident History — Crédit Mutuel (X = Date, Y = Severity)

Crédit Mutuel cyber incidents detection timeline including parent company and subsidiaries

Notable Incidents

Last 3 Security & Risk Events by Company

https://images.rankiteo.com/companyimages/utkarsh-bank.jpeg
Utkarsh Small Finance Bank
Incidents

No Incident

https://images.rankiteo.com/companyimages/credit-mutuel.jpeg
Crédit Mutuel
Incidents

No Incident

FAQ

Utkarsh Small Finance Bank company demonstrates a stronger AI Cybersecurity Score compared to Crédit Mutuel company, reflecting its advanced cybersecurity posture governance and monitoring frameworks.

Historically, Crédit Mutuel company has disclosed a higher number of cyber incidents compared to Utkarsh Small Finance Bank company.

In the current year, Crédit Mutuel company and Utkarsh Small Finance Bank company have not reported any cyber incidents.

Neither Crédit Mutuel company nor Utkarsh Small Finance Bank company has reported experiencing a ransomware attack publicly.

Neither Crédit Mutuel company nor Utkarsh Small Finance Bank company has reported experiencing a data breach publicly.

Neither Crédit Mutuel company nor Utkarsh Small Finance Bank company has reported experiencing targeted cyberattacks publicly.

Neither Utkarsh Small Finance Bank company nor Crédit Mutuel company has reported experiencing or disclosing vulnerabilities publicly.

Neither Utkarsh Small Finance Bank nor Crédit Mutuel holds any compliance certifications.

Neither company holds any compliance certifications.

Neither Utkarsh Small Finance Bank company nor Crédit Mutuel company has publicly disclosed detailed information about the number of their subsidiaries.

Utkarsh Small Finance Bank company employs more people globally than Crédit Mutuel company, reflecting its scale as a Banking.

Neither Utkarsh Small Finance Bank nor Crédit Mutuel holds SOC 2 Type 1 certification.

Neither Utkarsh Small Finance Bank nor Crédit Mutuel holds SOC 2 Type 2 certification.

Neither Utkarsh Small Finance Bank nor Crédit Mutuel holds ISO 27001 certification.

Neither Utkarsh Small Finance Bank nor Crédit Mutuel holds PCI DSS certification.

Neither Utkarsh Small Finance Bank nor Crédit Mutuel holds HIPAA certification.

Neither Utkarsh Small Finance Bank nor Crédit Mutuel holds GDPR certification.

Latest Global CVEs (Not Company-Specific)

Description

Angular is a development platform for building mobile and desktop web applications using TypeScript/JavaScript and other languages. Prior to versions 19.2.16, 20.3.14, and 21.0.1, there is a XSRF token leakage via protocol-relative URLs in angular HTTP clients. The vulnerability is a Credential Leak by App Logic that leads to the unauthorized disclosure of the Cross-Site Request Forgery (XSRF) token to an attacker-controlled domain. Angular's HttpClient has a built-in XSRF protection mechanism that works by checking if a request URL starts with a protocol (http:// or https://) to determine if it is cross-origin. If the URL starts with protocol-relative URL (//), it is incorrectly treated as a same-origin request, and the XSRF token is automatically added to the X-XSRF-TOKEN header. This issue has been patched in versions 19.2.16, 20.3.14, and 21.0.1. A workaround for this issue involves avoiding using protocol-relative URLs (URLs starting with //) in HttpClient requests. All backend communication URLs should be hardcoded as relative paths (starting with a single /) or fully qualified, trusted absolute URLs.

Risk Information
cvss4
Base: 7.7
Severity: LOW
CVSS:4.0/AV:N/AC:L/AT:N/PR:N/UI:N/VC:N/VI:N/VA:N/SC:H/SI:N/SA:N/E:X/CR:X/IR:X/AR:X/MAV:X/MAC:X/MAT:X/MPR:X/MUI:X/MVC:X/MVI:X/MVA:X/MSC:X/MSI:X/MSA:X/S:X/AU:X/R:X/V:X/RE:X/U:X
Description

Forge (also called `node-forge`) is a native implementation of Transport Layer Security in JavaScript. An Uncontrolled Recursion vulnerability in node-forge versions 1.3.1 and below enables remote, unauthenticated attackers to craft deep ASN.1 structures that trigger unbounded recursive parsing. This leads to a Denial-of-Service (DoS) via stack exhaustion when parsing untrusted DER inputs. This issue has been patched in version 1.3.2.

Risk Information
cvss4
Base: 8.7
Severity: LOW
CVSS:4.0/AV:N/AC:L/AT:N/PR:N/UI:N/VC:N/VI:N/VA:H/SC:N/SI:N/SA:N/E:X/CR:X/IR:X/AR:X/MAV:X/MAC:X/MAT:X/MPR:X/MUI:X/MVC:X/MVI:X/MVA:X/MSC:X/MSI:X/MSA:X/S:X/AU:X/R:X/V:X/RE:X/U:X
Description

Forge (also called `node-forge`) is a native implementation of Transport Layer Security in JavaScript. An Integer Overflow vulnerability in node-forge versions 1.3.1 and below enables remote, unauthenticated attackers to craft ASN.1 structures containing OIDs with oversized arcs. These arcs may be decoded as smaller, trusted OIDs due to 32-bit bitwise truncation, enabling the bypass of downstream OID-based security decisions. This issue has been patched in version 1.3.2.

Risk Information
cvss4
Base: 6.3
Severity: LOW
CVSS:4.0/AV:N/AC:L/AT:P/PR:N/UI:N/VC:N/VI:L/VA:N/SC:N/SI:N/SA:N/E:X/CR:X/IR:X/AR:X/MAV:X/MAC:X/MAT:X/MPR:X/MUI:X/MVC:X/MVI:X/MVA:X/MSC:X/MSI:X/MSA:X/S:X/AU:X/R:X/V:X/RE:X/U:X
Description

Suricata is a network IDS, IPS and NSM engine developed by the OISF (Open Information Security Foundation) and the Suricata community. Prior to versions 7.0.13 and 8.0.2, working with large buffers in Lua scripts can lead to a stack overflow. Users of Lua rules and output scripts may be affected when working with large buffers. This includes a rule passing a large buffer to a Lua script. This issue has been patched in versions 7.0.13 and 8.0.2. A workaround for this issue involves disabling Lua rules and output scripts, or making sure limits, such as stream.depth.reassembly and HTTP response body limits (response-body-limit), are set to less than half the stack size.

Risk Information
cvss3
Base: 7.5
Severity: LOW
CVSS:3.1/AV:N/AC:L/PR:N/UI:N/S:U/C:N/I:N/A:H
Description

Suricata is a network IDS, IPS and NSM engine developed by the OISF (Open Information Security Foundation) and the Suricata community. In versions from 8.0.0 to before 8.0.2, a NULL dereference can occur when the entropy keyword is used in conjunction with base64_data. This issue has been patched in version 8.0.2. A workaround involves disabling rules that use entropy in conjunction with base64_data.

Risk Information
cvss3
Base: 7.5
Severity: LOW
CVSS:3.1/AV:N/AC:L/PR:N/UI:N/S:U/C:N/I:N/A:H