Utkarsh Small Finance Bank Limited UTKARSHBNK NSEFINANCIAL
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.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
No notable strengths flagged.
CONS
- Earnings shrank at -128.2% CAGR over 5 years.
- Trading 48.4% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
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
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
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 | 13.26 | - | ₹2,359.65 Cr | - | - | -40.03% | 1.43% | -128.18% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
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 | 2,622.70 Cr | 1,907.71 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 1,005.18 Cr | 1,297.01 Cr | 1,615.77 Cr | 1,851.36 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 | 0.22 | -8.37 |
Compounded Sales Growth
| 5 Years: | 1.43% |
| 1 Year: | -48.50% |
Compounded Profit Growth
| 5 Years: | -128.18% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | -42.27% |
| 6 Months: | -16.55% |
| 3 Months: | -5.01% |
| 1 Month: | -9.86% |
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 | 3,436.62 Cr | 2,321.23 Cr |
| Inventory | - | - | - | - | - |
| Receivables | 93.19 Cr | 124.91 Cr | 164.91 Cr | 198.90 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 | 2,829.44 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.
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