Utkarsh Small Finance Bank
UTKARSHBNK NSE
Utkarsh Small Finance Bank
Financial ServicesNSE: UTKARSHBNK BSE: 543942 Banks
Key Fundamentals
MicrocapSmall Finance BankBanksMarket Cap
₹2,566 Cr
Volatility
Moderate
P/E Ratio
-2.8
EBITDA
₹-1,429 Cr
Return on Equity
-41.47%
Debt to Equity
0
Book Value
₹15.6
EPS
₹4.79
52W High
₹22.03
52W Low
₹10.12
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
1- Stock is trading at 0.93 times its book value
Weaknesses
3- Company has low interest coverage ratio.
- Company has a low return on equity of -7.56% over last 3 years.
- Earnings include an other income of Rs.412 Cr.
Growth Rate
Revenue Growth
-12.72% lower than
3Y
Net Income Growth
—
Cash Flow Change
-10.84% higher than
3Y
ROE
—
ROCE
-78.22% higher than
3Y
EBITDA Margin (Avg.)
-70.66% higher than
3Y
Quarterly Results
| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 720 | 756 | 806 | 896 | 966 | 987 | 932 | 880 | 881 | 840 | 821 | 837 | 884 |
| Expenses | 369 | 392 | 413 | 452 | 492 | 593 | 824 | 687 | 858 | 913 | 920 | 724 | 586 |
| Financing Profit | 53 | 49 | 69 | 88 | 82 | -35 | -343 | -276 | -457 | -562 | -571 | -347 | -164 |
| Fin. Margin % | 7% | 7% | 9% | 10% | 8% | -4% | -37% | -31% | -52% | -67% | -70% | -42% | -19% |
| Other Income | 92 | 105 | 83 | 121 | 105 | 103 | 105 | 287 | 138 | 97 | 81 | 115 | 119 |
| Interest | 298 | 315 | 324 | 356 | 393 | 429 | 452 | 468 | 479 | 490 | 473 | 461 | 461 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 145 | 154 | 152 | 208 | 186 | 68 | -238 | 11 | -319 | -465 | -491 | -232 | -45 |
| Tax % | 26% | 26% | 24% | 23% | 26% | 24% | -29% | 74% | -25% | -25% | -24% | -19% | -25% |
| Net Profit | 108 | 114 | 116 | 160 | 137 | 51 | -168 | 3 | -239 | -348 | -375 | -188 | -34 |
| EPS in Rs | 0.74 | 0.65 | 0.65 | 0.9 | 0.77 | 0.29 | -0.94 | 0.02 | -1.35 | -1.96 | -2.11 | -1.06 | -0.19 |
| Gross NPA % | 3.13% | 2.81% | 3.04% | 2.51% | 2.78% | 3.88% | 6.17% | 9.43% | 11.42% | 12.42% | 11.05% | 7.71% | 6.09% |
| Net NPA % | 0.33% | 0.16% | 0.19% | 0.03% | 0.26% | 0.89% | 2.5% | 4.84% | 5% | 5.02% | 4.48% | 3.29% | 2.86% |
Profit & Loss
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 519 | 881 | 1,308 | 1,581 | 1,849 | 2,505 | 3,178 | 3,765 | 3,379 | 3,381 |
| Expenses | 374 | 392 | 551 | 783 | 1,125 | 1,234 | 1,561 | 2,518 | 3,337 | 3,142 |
| Financing Profit | -106 | 107 | 177 | 56 | -64 | 295 | 324 | -496 | -1,860 | -1,645 |
| Fin. Margin % | -20% | 12% | 14% | 4% | -3% | 12% | 10% | -13% | -55% | -49% |
| Other Income | 43 | 58 | 99 | 125 | 185 | 299 | 400 | 600 | 431 | 412 |
| Interest | 251 | 382 | 579 | 742 | 788 | 976 | 1,293 | 1,742 | 1,902 | 1,884 |
| Depreciation | 0 | 16 | 25 | 30 | 41 | 59 | 65 | 77 | 77 | 0 |
| PBT | -63 | 149 | 250 | 151 | 80 | 536 | 659 | 28 | -1,507 | -1,233 |
| Tax % | 0% | 37% | 25% | 26% | 23% | 25% | 25% | 14% | -24% | — |
| Net Profit | -63 | 94 | 187 | 112 | 61 | 404 | 498 | 24 | -1,151 | -945 |
| EPS in Rs | -0.83 | 0.79 | 1.52 | 0.82 | 0.42 | 2.8 | 2.8 | 0.13 | -6.47 | -5.32 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 11% | 0% | 0% | — |
Balance Sheet
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 470 | 737 | 759 | 848 | 896 | 896 | 1,099 | 1,102 | 1,780 |
| Reserves | -58 | 36 | 260 | 520 | 677 | 1,104 | 1,874 | 1,873 | 996 |
| Borrowing | 1,789 | 1,280 | 2,675 | 2,608 | 2,572 | 2,349 | 1,995 | 2,355 | 2,829 |
| Deposits | 2,194 | 3,941 | 5,235 | 7,508 | 10,074 | 13,710 | 17,473 | 21,566 | 21,654 |
| Other Liabilities | 129 | 245 | 475 | 654 | 845 | 1,057 | 1,462 | 1,232 | 1,610 |
| Total Liabilities | 4,524 | 6,239 | 9,404 | 12,138 | 15,064 | 19,117 | 23,903 | 28,127 | 28,869 |
| Fixed Assets | 87 | 87 | 110 | 125 | 286 | 301 | 301 | 324 | 333 |
| CWIP | 0 | 3 | 22 | 56 | 1 | 2 | 10 | 63 | 125 |
| Investments | 661 | 862 | 1,192 | 2,314 | 2,348 | 2,859 | 3,679 | 4,958 | 6,914 |
| Other Assets | 3,775 | 5,287 | 8,081 | 9,643 | 12,429 | 15,955 | 19,912 | 22,783 | 21,497 |
| Total Assets | 4,524 | 6,239 | 9,404 | 12,138 | 15,064 | 19,117 | 23,903 | 28,127 | 28,869 |
Cash Flow
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Operating | — | 211 | 115 | -83 | 1,329 | 1,573 | 991 | 876 | 781 |
| Investing | — | -171 | -322 | -532 | -739 | -693 | -620 | -777 | -3,309 |
| Financing | — | -92 | 1,304 | 172 | 111 | -235 | 140 | 310 | 1,412 |
| Net Cash Flow | — | -52 | 1,097 | -444 | 702 | 645 | 511 | 409 | -1,115 |
| Free Cash Flow | — | 194 | 70 | -163 | 1,183 | 1,498 | 921 | 718 | 638 |
| CFO/OP | — | 44 | 27 | 2 | 191 | 129 | 65 | 61 | 1,876 |
Ratios
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | -15% | 16% | 21% | 9% | 4% | 23% | 20% | 1% | -40% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Utkarsh Small Finance Bank insights
57 extracted metrics + investor summaries across FY18–FY27.
Documents
1
Approval Of Issue Documents For Ncds
11 Sep - Board committee approved up to ₹300 crore Tier II NCD issuance at up to 11.75%. 11 Sep - Board committee approved up to ₹300 crore Tier II NCD issuance at up to 11.75%.
2
Announcement under Regulation 30 (LODR)-Newspaper Publication
11h - Newspaper Publication of financial results for the financial year ended March 31, 2026. 11h - Newspaper Publication of financial results for the financial year ended March 31, 2026.
3
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
8h - Audio recording of May 11, 2026 earnings call for FY2026 audited results available on bank website. 8h - Audio recording of May 11, 2026 earnings call for FY2026 audited results available on bank website.
4
Announcement under Regulation 30 (LODR)-Press Release / Media Release
1d - Utkarsh Small Finance Bank reported Q4 FY26 net loss of ₹188 crore and FY26 loss of ₹1,151 crore. 1d - Utkarsh Small Finance Bank reported Q4 FY26 net loss of ₹188 crore and FY26 loss of ₹1,151 crore.
5
Announcement under Regulation 30 (LODR)-Change in Directorate
1d - Utkarsh Bank reported FY26 audited net loss of ₹1,15,097.84 lakh; board approved director and senior management appointments. 1d - Utkarsh Bank reported FY26 audited net loss of ₹1,15,097.84 lakh; board approved director and senior management appointments.
Frequently Asked Questions about Utkarsh Small Finance Bank
What does Utkarsh Small Finance Bank Ltd do?
Incorporated in 2016, Utkarsh Small Finance Bank is engaged in providing banking and financial services.[1]
Where is Utkarsh Small Finance Bank Ltd (UTKARSHBNK) listed?
Utkarsh Small Finance Bank Ltd trades as UTKARSHBNK on the NSE and under code 543942 on the BSE.
Which sector does Utkarsh Small Finance Bank Ltd belong to?
Utkarsh Small Finance Bank Ltd is classified under the Financial Services sector, in the Banks industry.
What is the market capitalisation of Utkarsh Small Finance Bank Ltd?
Utkarsh Small Finance Bank Ltd has a market capitalisation of ₹2,566 Cr, which places it in the Small Cap band.
What is the PE ratio of Utkarsh Small Finance Bank Ltd?
Utkarsh Small Finance Bank Ltd trades at a PE ratio of -2.80, on earnings per share of ₹4.79, against a book value of ₹15.6 per share.
What is the 52-week high and low of Utkarsh Small Finance Bank Ltd?
Over the last 52 weeks Utkarsh Small Finance Bank Ltd has traded between ₹10.12 and ₹22.03.
Does Utkarsh Small Finance Bank Ltd pay dividends?
Utkarsh Small Finance Bank Ltd has a dividend yield of 3.38%.
What is the Return on Equity (ROE) of Utkarsh Small Finance Bank Ltd?
Utkarsh Small Finance Bank Ltd reported a return on equity of -41.47%. Its debt-to-equity ratio is 0.00.
Company Information
Incorporated in 2016, Utkarsh Small Finance Bank is engaged in providing banking and financial services.[1]
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