Utkarsh Small Finance Bank Limited UTKARSHBNK NSEFINANCIAL
Company Overview
Utkarsh Small Finance Bank Limited provides banking and financial services for individuals and businesses in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The company offers savings, salary, current, term and recurrent deposit, institutional, and escrow banking accounts; term deposit products; certificates of deposits; locker facilities; digital products; investment products; joint liability group, business, MSME, commercial vehicle and construction equipment, gold, personal, home and other loans; overdraft against fixed deposit, wholesale lending, LAP retail, and Micro LAP; inward and outward remittance; and bill payment services. It also provides ATM, branch, internet, and mobile banking services; micro and wholesale banking services; mutual funds; and life, health, and general insurance. The company was founded in 2009 and is headquartered in Varanasi, India. Utkarsh Small Finance Bank Limited is a subsidiary of Utkarsh CoreInvest Limited.
Why Investors Should Care
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Mar 2026 Revenue of ₹1,907.90 Cr (-27.2% YoY); net profit ₹-1,150.98 Cr.
- Trailing 12 Months Year-on-year growth — revenue -27.3%, earnings -4956.3%.
- 5-Year Trend Long-term compounding — revenue CAGR 1.4%, profit CAGR -128.2%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 1.43% |
| 1 Year: | -27.25% |
Compounded Profit Growth
| 5 Years: | -128.18% |
| 1 Year: | -4,956.35% |
Stock Price Performance
| 1 Year: | -37.51% |
| 6 Months: | +4.76% |
| 3 Months: | +11.13% |
| 1 Month: | +11.21% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)58.08 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Generates positive free cash flow.
CONS
- Earnings shrank at -128.2% CAGR over 5 years.
- Trading 37.5% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | UTKARSHBNK Utkarsh Small Finance Bank Limited NSEFINANCIAL | 14.98 | -1.79 | ₹2,665.73 Cr | 0.00% | - | -41.47% | 1.43% | -128.18% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 815.55 | 16.51 | ₹12.48 L Cr | 1.58% | - | 13.62% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,423.10 | 19.03 | ₹10.19 L Cr | 0.86% | - | 14.93% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,031.00 | 11.31 | ₹9.52 L Cr | 1.67% | - | 13.97% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,032.90 | 33.85 | ₹6.43 L Cr | 0.53% | - | 16.68% | 22.58% | 18.23% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 443.80 | 9.77 | ₹5.61 L Cr | 2.26% | - | 32.53% | 7.26% | 16.86% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,340.20 | 15.86 | ₹4.17 L Cr | 0.08% | - | 12.27% | 12.16% | 34.61% |
| 8 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 381.30 | 19.66 | ₹3.79 L Cr | 0.17% | - | 10.64% | 13.48% | 8.92% |
| 9 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,887.10 | 34.31 | ₹3.02 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 698.52 Cr | 539.56 Cr | 447.82 Cr | 428.91 Cr | 491.42 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 464.54 Cr | 447.92 Cr | 451.15 Cr | 473.18 Cr | 479.11 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 468.22 Cr | 479.09 Cr | 489.50 Cr | 472.80 Cr | 460.65 Cr |
| Pretax Income | 11.28 Cr | -318.87 Cr | -464.97 Cr | -490.69 Cr | -232.08 Cr |
| Tax Provision | 8.31 Cr | -79.39 Cr | -116.51 Cr | -115.67 Cr | -44.07 Cr |
| Net Income | 2.97 Cr | -239.48 Cr | -348.46 Cr | -375.02 Cr | -188.02 Cr |
| Diluted EPS | 0.03 | -2.17 | -2.68 | -2.46 | -1.06 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 1,828.29 Cr | 2,286.20 Cr | 2,622.46 Cr | 1,907.90 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 988.88 Cr | 1,291.49 Cr | 1,625.09 Cr | 1,822.13 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 975.95 Cr | 1,292.61 Cr | 1,742.06 Cr | 1,902.04 Cr |
| Pretax Income | - | 535.81 Cr | 659.39 Cr | 27.65 Cr | -1,506.61 Cr |
| Tax Provision | - | 131.31 Cr | 161.76 Cr | 3.95 Cr | -355.64 Cr |
| Net Income | - | 404.50 Cr | 497.63 Cr | 23.70 Cr | -1,150.98 Cr |
| Diluted EPS | - | 3.13 | 4.75 | 0.19 | -8.37 |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 19,117.29 Cr | 23,902.68 Cr | 28,127.44 Cr | 28,869.07 Cr |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 2,516.36 Cr | 3,027.47 Cr | 3,436.58 Cr | 2,321.19 Cr |
| Inventory | - | - | - | - | - |
| Receivables | - | 124.91 Cr | 164.91 Cr | 198.90 Cr | 578.94 Cr |
| Total Liabilities | - | 17,116.97 Cr | 20,929.49 Cr | 25,152.93 Cr | 26,093.47 Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 2,199.48 Cr | 1,845.08 Cr | 2,354.77 Cr | 2,529.44 Cr |
| Total Equity | - | 2,000.32 Cr | 2,973.19 Cr | 2,974.50 Cr | 2,775.60 Cr |
| Shares Outstanding | - | 109.59 Cr | 109.95 Cr | 110.16 Cr | 177.95 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 1,573.13 Cr | 991.23 Cr | 875.58 Cr | 780.69 Cr |
| Investing Cash Flow | - | -693.15 Cr | -619.80 Cr | -776.88 Cr | -3,308.58 Cr |
| Financing Cash Flow | - | -235.27 Cr | 139.67 Cr | 310.45 Cr | 1,412.49 Cr |
| Capital Expenditure | - | -75.85 Cr | -70.41 Cr | -158.96 Cr | -149.46 Cr |
| Free Cash Flow | - | 1,497.29 Cr | 920.82 Cr | 716.62 Cr | 631.23 Cr |
| Net Change in Cash | - | 644.71 Cr | 511.11 Cr | 409.15 Cr | -1,115.39 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 22.1% | 21.8% | 0.9% | -60.3% |
| ROE % | - | 20.2% | 16.7% | 0.8% | -41.5% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for UTKARSHBNK
UTKARSHBNK Forecast — Price Target — Prediction for 2027 - TradingView
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Utkarsh Small Finance Bank Limited Reports Earnings Results for the Fourth Quarter and Full Year Ended March 31, 2026 - marketscreener.com
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UTKARSHBNK Share Price Today - Utkarsh Small Finance Bank Stock Analysis - Equitypandit
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UTKARSHBNK — Frequently Asked Questions
What is the current share price of Utkarsh Small Finance Bank Limited (UTKARSHBNK)?
As of 2026-07-15 09:52 IST, Utkarsh Small Finance Bank Limited (UTKARSHBNK) trades at ₹14.98 on NSE. Its 52-week range is ₹10.22 to ₹23.97.
What is the market capitalisation of UTKARSHBNK?
Utkarsh Small Finance Bank Limited (UTKARSHBNK) has a market capitalisation of ₹2,665.73 Cr on NSE.
What is the P/E ratio of UTKARSHBNK?
UTKARSHBNK trades at a trailing price-to-earnings (P/E) ratio of -1.79. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 0.97.
What is the return on equity (ROE) of UTKARSHBNK?
UTKARSHBNK has a return on equity (ROE) of -41.47%.
Is UTKARSHBNK a good stock to buy?
This page provides a data-driven analysis of Utkarsh Small Finance Bank Limited (UTKARSHBNK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.