Utkarsh Small Finance Bank Limited UTKARSHBNK NSEFINANCIAL
Company Overview
Utkarsh Small Finance Bank Limited provides banking and financial services in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The company offers savings, salary, current, term and recurring deposit, escrow, and RERA banking accounts; term, fixed, and recurring deposits; locker facilities; digital products; investment products; joint liability group, business, MSME, commercial vehicle and construction equipment, gold, personal, housing, individual, group, and other loans, as well as loans for the purchase of commercial properties; wholesale lending; overdraft against fixed deposit, LAP retail, and Micro LAP; outward remittances; positive pay; UPI payment solutions; and bill and credit card bill payment services. It also provides institutional, NRI, micro, retail, corporate, and wholesale banking; cash management; branch, internet, mobile, and WhatsApp banking services; digital onboarding; online account opening facilities; ATMs and micro-ATMs; debit and credit cards; mutual funds; and life, health, and general insurance. The company serves low and middle-income households, micro-entrepreneurs, women entrepreneurs, self-employed individuals, small and marginal farmers, MSMEs, corporates, and institutional customers. Utkarsh Small Finance Bank Limited was founded in 2009 and is headquartered in Varanasi, India.
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: | -29.63% |
| 6 Months: | +11.40% |
| 3 Months: | +12.87% |
| 1 Month: | +1.32% |
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)50.26 · 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.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Earnings shrank at -128.2% CAGR over 5 years.
- Trading 35.0% below its 52-week high.
* 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 | 14.56 | -1.74 | ₹2,590.99 Cr | 0.00% | - | -41.47% | 1.43% | -128.18% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 712.10 | 15.57 | ₹10.96 L Cr | 1.77% | - | 8.63% | 16.90% | 12.47% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,423.20 | 19.03 | ₹10.19 L Cr | 0.82% | - | 14.93% | 18.11% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,016.10 | 11.15 | ₹9.38 L Cr | 1.60% | - | 13.97% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,060.50 | 34.76 | ₹6.60 L Cr | 0.47% | - | 16.68% | 22.58% | 18.23% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 415.35 | 9.14 | ₹5.25 L Cr | 2.58% | - | 32.53% | 7.26% | 16.86% |
| 7 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 424.50 | 21.89 | ₹4.22 L Cr | 0.16% | - | 10.64% | 13.48% | 8.92% |
| 8 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,273.00 | 15.07 | ₹3.96 L Cr | 0.08% | - | 12.27% | 12.16% | 34.61% |
| 9 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,970.00 | 32.30 | ₹3.15 L Cr | 0.06% | - | 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 | Jun 2026 |
|---|---|---|---|---|---|---|
| Revenue | 698.52 Cr | 539.56 Cr | 447.82 Cr | 428.91 Cr | 491.42 Cr | 540.88 Cr |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | 464.54 Cr | 447.92 Cr | 451.15 Cr | 473.18 Cr | 479.11 Cr | 477.32 Cr |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | 468.22 Cr | 479.09 Cr | 489.50 Cr | 472.80 Cr | 460.65 Cr | 461.49 Cr |
| Pretax Income | 11.28 Cr | -318.87 Cr | -464.97 Cr | -490.69 Cr | -232.08 Cr | -45.41 Cr |
| Tax Provision | 8.31 Cr | -79.39 Cr | -116.51 Cr | -115.67 Cr | -44.07 Cr | -11.49 Cr |
| Net Income | 2.97 Cr | -239.48 Cr | -348.46 Cr | -375.02 Cr | -188.02 Cr | -33.92 Cr |
| Diluted EPS | 0.03 | -2.17 | -2.68 | -2.46 | -1.06 | -0.19 |
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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UTKARSHBNK Q2 2026 Earnings: Loss per Share of ₹-8.37 as Revenue Declines 27.25% YoY - Earnings Deceleration Risk - siam.in
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Utkarsh Small Finance Bank: Marginal Decline Amid Consolidation Near Support - Wave Truncation - siam.in
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Utkarsh Small Finance Bank Limited Appoints Virender Sharma as Head- Micro Banking, with Effect from November 14, 2025 - marketscreener.com
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UTKARSHBNK — Frequently Asked Questions
What is the current share price of Utkarsh Small Finance Bank Limited (UTKARSHBNK)?
As of 2026-09-08 04:53 IST, Utkarsh Small Finance Bank Limited (UTKARSHBNK) trades at ₹14.56 on NSE. Its 52-week range is ₹10.22 to ₹22.41.
What is the market capitalisation of UTKARSHBNK?
Utkarsh Small Finance Bank Limited (UTKARSHBNK) has a market capitalisation of ₹2,590.99 Cr on NSE.
What is the P/E ratio of UTKARSHBNK?
UTKARSHBNK trades at a trailing price-to-earnings (P/E) ratio of -1.74. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 0.91.
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.