Utssav CZ Gold Jewels
UTSSAV NSE
Utssav CZ Gold Jewels
Consumer DiscretionaryNSE: UTSSAV Consumer Durables
Key Fundamentals
SMEJewellery & WatchesConsumer GoodsMarket Cap
₹1,222 Cr
Volatility
Moderate
P/E Ratio
21.1
EBITDA
₹93.70 Cr
Return on Equity
29.84%
Debt to Equity
0.94
Book Value
₹80
52W High
₹568
52W Low
₹160.05
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
3- Company has delivered good profit growth of 105% CAGR over last 5 years
- Company has a good return on equity (ROE) track record: 3 Years ROE 35.6%
- Promoter holding has increased by 2.25% over last quarter.
Weaknesses
2- Though the company is reporting repeated profits, it is not paying out dividend
- Company might be capitalizing the interest cost
Growth Rate
Revenue Growth
78.71% higher than
3Y
Net Income Growth
135% higher than
3Y
Cash Flow Change
31.91% higher than
3Y
ROE
51.01% higher than
3Y
ROCE
62.1% higher than
3Y
EBITDA Margin (Avg.)
30.02% higher than
3Y
Quarterly Results
| Particulars | Sep 2023 | Mar 2024 | Sep 2024 | Mar 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Sales | 156 | 184 | 285 | 362 | 475 | 679 |
| Expenses | 147 | 171 | 269 | 338 | 431 | 632 |
| Operating Profit | 9 | 13 | 15 | 24 | 44 | 47 |
| OPM % | 5% | 7% | 5% | 7% | 9% | 7% |
| Other Income | 2 | 0 | 0 | 1 | 1 | 2 |
| Interest | 2 | 3 | 2 | 4 | 5 | 7 |
| Depreciation | 0 | 0 | 0 | 1 | 1 | 1 |
| PBT | 8 | 9 | 13 | 20 | 39 | 41 |
| Tax % | 19% | 31% | 26% | 23% | 25% | 27% |
| Net Profit | 7 | 6 | 10 | 15 | 29 | 30 |
| EPS in Rs | 15.79 | 3.7 | 4.14 | 6.38 | 12.18 | 12.27 |
Profit & Loss
| Particulars | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Sales | 117 | 120 | 123 | 238 | 340 | 646 | 1,155 |
| Expenses | 113 | 117 | 117 | 226 | 319 | 607 | 1,064 |
| Operating Profit | 4 | 4 | 6 | 12 | 21 | 40 | 91 |
| OPM % | 3.7% | 2.9% | 5% | 5% | 6% | 6% | 8% |
| Other Income | 0 | 0 | 0 | 2 | 2 | 1 | 3 |
| Interest | 1 | 1 | 2 | 4 | 5 | 6 | 13 |
| Depreciation | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
| PBT | 3 | 2 | 4 | 10 | 17 | 33 | 80 |
| Tax % | 25% | 26% | 21% | 26% | 25% | 24% | 26% |
| Net Profit | 2 | 2 | 3 | 7 | 13 | 25 | 59 |
| EPS in Rs | 4.93 | 3.86 | 7.95 | 17.02 | 7.65 | 10.52 | 24.46 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Balance Sheet
| Particulars | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Equity Capital | 4 | 4 | 4 | 4 | 17 | 24 | 24 |
| Reserves | 6 | 8 | 11 | 18 | 18 | 103 | 174 |
| Borrowings | 15 | 30 | 36 | 50 | 73 | 130 | 186 |
| Other Liabilities | 3 | 2 | 5 | 10 | 13 | 13 | 24 |
| Total Liabilities | 28 | 44 | 56 | 82 | 121 | 270 | 408 |
| Fixed Assets | 8 | 9 | 10 | 10 | 12 | 8 | 9 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | 20 | 35 | 46 | 72 | 110 | 261 | 400 |
| Total Assets | 28 | 44 | 56 | 82 | 121 | 270 | 408 |
Cash Flow
| Particulars | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Operating | 3 | -14 | -2 | -12 | 7 | -89 | -61 |
| Investing | 0 | 0 | -2 | 1 | -1 | 3 | 0 |
| Financing | -3 | 14 | 4 | 10 | 19 | 118 | 56 |
| Net Cash Flow | -1 | 0 | 0 | 0 | 24 | 32 | -5 |
| Free Cash Flow | 3 | -14 | -4 | -10 | 5 | -88 | -62 |
| CFO/OP | 82 | -397 | -18 | -74 | 52 | -205 | -44 |
Ratios
| Particulars | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Debtor Days | 39 | 65 | 67 | 48 | 61 | 62 | 54 |
| Inventory Days | 16 | 32 | 62 | 39 | 25 | 51 | 55 |
| Days Payable | 3 | 1 | 1 | 0 | 0 | 1 | 0 |
| Cash Conversion Cycle | 51 | 96 | 128 | 87 | 86 | 112 | 108 |
| Working Capital Days | 13 | 55 | 49 | 33 | 4 | 41 | 44 |
| ROCE % | — | 10% | 13% | 20% | 24% | 22% | 29% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Utssav CZ Gold Jewels insights
34 extracted metrics + investor summaries across FY20–FY26.
Documents
1
Shareholders meeting
31 Aug - 19th AGM on September 24, 2026 via VC/OAVM; FY26 financials adoption and Hitesh Jagdish Chhajed reappointment. 31 Aug - 19th AGM on September 24, 2026 via VC/OAVM; FY26 financials adoption and Hitesh Jagdish Chhajed reappointment.
2
Credit Rating
18 Aug - CARE upgraded long-term rating to BBB+ and affirmed A3+ on ₹247 crore bank facilities. 18 Aug - CARE upgraded long-term rating to BBB+ and affirmed A3+ on ₹247 crore bank facilities.
3
Credit Rating
11 Aug - CARE upgrades bank facilities rating to BBB+/Stable; ₹248.66 crore facilities reviewed. 11 Aug - CARE upgrades bank facilities rating to BBB+/Stable; ₹248.66 crore facilities reviewed.
4
Outcome of Board Meeting
7 Aug - Board allotted 8.5 lakh shares on warrant conversion, raising Rs.14.15 crore; capital increased to Rs.24.998 crore. 7 Aug - Board allotted 8.5 lakh shares on warrant conversion, raising Rs.14.15 crore; capital increased to Rs.24.998 crore.
5
General Updates
30 Jul - Utssav CZ Gold Jewels incorporated wholly owned subsidiary Utssav Gold and Diamond Private Limited on July 29, 2026. 30 Jul - Utssav CZ Gold Jewels incorporated wholly owned subsidiary Utssav Gold and Diamond Private Limited on July 29, 2026.
Frequently Asked Questions about Utssav CZ Gold Jewels
What does Utssav CZ Gold Jewels Ltd do?
Incorporated in 2007, Utssav CZ Gold
Jewels Ltd in the business of Jewellery
made of precious metals and semiprecious
stones[1]
Where is Utssav CZ Gold Jewels Ltd (UTSSAV) listed?
Utssav CZ Gold Jewels Ltd trades as UTSSAV on the NSE.
Which sector does Utssav CZ Gold Jewels Ltd belong to?
Utssav CZ Gold Jewels Ltd is classified under the Consumer Discretionary sector, in the Consumer Durables industry.
What is the market capitalisation of Utssav CZ Gold Jewels Ltd?
Utssav CZ Gold Jewels Ltd has a market capitalisation of ₹1,222 Cr, which places it in the Small Cap band.
What is the PE ratio of Utssav CZ Gold Jewels Ltd?
Utssav CZ Gold Jewels Ltd trades at a PE ratio of 21.10, against a book value of ₹80 per share.
What is the 52-week high and low of Utssav CZ Gold Jewels Ltd?
Over the last 52 weeks Utssav CZ Gold Jewels Ltd has traded between ₹160.05 and ₹568.
What is the Return on Equity (ROE) of Utssav CZ Gold Jewels Ltd?
Utssav CZ Gold Jewels Ltd reported a return on equity of 29.84%. Its debt-to-equity ratio is 0.94.
Company Information
Incorporated in 2007, Utssav CZ Gold Jewels Ltd in the business of Jewellery made of precious metals and semiprecious stones[1]
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