UTKARSHBNK · NSE
Utkarsh Small Finance Bank Limited
₹14.17
+0.85% (+₹0.12)
Prev. close
₹14.05
Volume
53,03,916
Delivery %
48.7%
As of
18 Sept 2026
Price history
No analyst calls on this stock in the last 90 days yet.
Explore by date range →Analyst opinions
Fundamentals
About Utkarsh Small Finance Bank Limited
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.
Details
Sector
Financial Services
Industry
Banks - Regional
CEO
Mr. Govind Singh
Headquarters
Varanasi
Employees
18,400
Website
utkarsh.bank.inExchange
View on NSE ↗Key stats
Market cap
₹2,521.59 Cr
EPS (TTM)
₹-6.39
Beta (1Y · daily vs NIFTY 50)
1.23
Beta (5Y · monthly vs NIFTY 50)
1.77
Shares float
98.56 Cr
EPS · quarter ended Jun 2026
₹-0.19
Financial Performance
01 · Financials
FY23 growth needs FY22 filings, which the data source doesn't provide.
02 · Earnings Per Share (EPS)
03 · Dividend Profile
Growth compares completed fiscal-year dividend totals on the company's own calendar: April–March (Indian FY), taken from its reported period-ends. Payout ledger: NSE corporate actions.
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based · pre-FY23 not filed in verifiable form
05 · Capital Structure & Asset Utilization
Pre-FY23 not filed in verifiable form
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
Pre-FY23 not filed in verifiable form
07 · Debt Level & Coverage
Pre-FY23 not filed in verifiable form
08 · Profit & Loss
Annual
| Line item | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| ₹1,828.29 Cr | ₹2,286.20 Cr | ₹2,622.46 Cr | ₹1,907.90 Cr | |
| ₹404.50 Cr | ₹497.63 Cr | ₹23.70 Cr | ₹-1,150.98 Cr | |
| Diluted EPS | ₹3.13 | ₹4.75 | ₹0.19 | ₹-8.37 |
Employee benefit expense, Other income have filed figures for only some of the years shown — the missing years are left blank rather than estimated.
09 · Balance Sheet
Annual
| Line item | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| ₹19,117.29 Cr | ₹23,902.68 Cr | ₹28,127.44 Cr | ₹28,869.07 Cr | |
| Total debt | ₹2,199.48 Cr | ₹1,845.08 Cr | ₹2,354.77 Cr | ₹2,529.44 Cr |
| Stockholders' equity | ₹2,000.32 Cr | ₹2,973.19 Cr | ₹2,974.50 Cr | ₹2,775.60 Cr |
Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.
10 · Cash Flow Statement
Annual
| Line item | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| ₹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 |
| ₹-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 |
| End cash position | ₹2,516.36 Cr | ₹3,027.47 Cr | ₹3,436.62 Cr | ₹2,321.19 Cr |
Debt issued, Dividends paid have filed figures for only some of the years shown — the missing years are left blank rather than estimated.
Annual only — the data source has no quarterly cash-flow-statement coverage.
11 · Shareholding Pattern
NSE, quarterly
| Line item | Jul 23–Sep 23(2Q) | Dec 23 | Mar 24 | Jun 24 | Sep 24 | Dec 24 | Mar 25–Sep 25(3Q) | Nov 25–Jun 26(4Q) |
|---|---|---|---|---|---|---|---|---|
| Promoter | 69.28% | 69.16% | 69.06% | 69.02% | 68.94% | 68.93% | 68.92% | 42.67% |
| Public | 30.72% | 30.84% | 30.94% | 30.98% | 31.06% | 31.07% | 31.08% | 57.33% |
| Employee trusts | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.
12 · Peer Comparison
Financial Services
| Company | ||||||||
|---|---|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹11.27 L Cr | ₹731 | 16.2 | 1.38 | 8.6% | 0.81 | +4.7% | -25.2% |
| ICICI Bank Limited | ₹9.75 L Cr | ₹1,347.6 | 17.6 | 2.69 | 14.9% | 0.57 | +9.1% | -5.0% |
| State Bank of India | ₹9.16 L Cr | ₹996.2 | 10.6 | 1.54 | 14.0% | 1.22 | +9.2% | +16.6% |
| Bajaj Finance Limited | ₹6.31 L Cr | ₹1,040.3 | 31.1 | 5.54 | 16.7% | 3.10 | +19.7% | +4.4% |
| Life Insurance Corporation Of India | ₹5.06 L Cr | ₹407.7 | 8.4 | 2.87 | 32.5% | — | +8.7% | -54.2% |
| Kotak Mahindra Bank Limited | ₹4.08 L Cr | ₹415 | 20.5 | 2.25 | 10.6% | 0.53 | -0.3% | -79.5% |
| Axis Bank Limited | ₹3.86 L Cr | ₹1,240 | 14.0 | 1.80 | 12.3% | 1.30 | +4.0% | +10.1% |
| Bajaj Finserv Limited | ₹2.98 L Cr | ₹1,852.5 | 29.4 | 3.82 | 12.6% | 4.64 | +13.6% | -10.5% |
| Shriram Finance Limited | ₹2.34 L Cr | ₹1,010 | 17.6 | 3.55 | 15.2% | 2.76 | +13.9% | +61.1% |
| SBI Life Insurance Company Limited | ₹1.77 L Cr | ₹1,731 | 68.0 | 9.29 | 12.9% | — | -4.3% | -5.0% |
| ICICI Prudential Asset Management Company Limited | ₹1.53 L Cr | ₹3,098 | 43.8 | 36.57 | 79.1% | — | +23.1% | — |
| Utkarsh Small Finance Bank Limited | ₹2,521.59 Cr | ₹14.17 | — | 0.91 | -41.5% | 0.91 | -27.2% | -36.1% |
Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.
Documents
IPO documents
Annual reports
Concall transcripts
Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.
Utkarsh Small Finance Bank Approves ₹300 Crore NCD Issue; Shares Fall 1.55%
HDFC Sky · 9 days ago