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UTKARSH SMALL FINANCE BANK LIMITED

UTKARSHBNK BSE Banks - Regional Financial Services

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 s…

ISIN INE735W01017
Listed —
Quarters tracked 13
Filings 8 docs

About

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.

Key Metrics

as of Sep 2026
Market Cap2,591 Cr
P/E—
Div Yield0.00 %
Book Value₹15.60
52w High₹22.00
52w Low₹10.10
Face Value₹10.00

Quarterly Results

Rs. Crores · hover row for definition
Metric Jun 2026 Mar 2026 Dec 2025 Sep 2025 Jun 2025 Mar 2025 Dec 2024 Sep 2024 Jun 2024 Mar 2024 Dec 2023 Sep 2023 Jun 2023
Expenses 586.00 724.00 920.00 913.00 858.00 687.00 824.00 593.00 492.00 452.00 413.00 392.00 369.00
Other Income 119.00 115.00 81.00 97.00 138.00 287.00 105.00 103.00 105.00 121.00 83.00 105.00 92.00
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest 461.00 461.00 473.00 490.00 479.00 468.00 452.00 429.00 393.00 356.00 324.00 315.00 298.00
Profit before tax -45.00 -232.00 -491.00 -465.00 -319.00 11.00 -238.00 68.00 186.00 208.00 152.00 154.00 145.00
Tax % -25.00 -19.00 -24.00 -25.00 -25.00 74.00 -29.00 24.00 26.00 23.00 24.00 26.00 26.00
Net Profit -34.00 -188.00 -375.00 -348.00 -239.00 3.00 -168.00 51.00 137.00 160.00 116.00 114.00 108.00
EPS in Rs -0.19 -1.06 -2.11 -1.96 -1.35 0.02 -0.94 0.29 0.77 0.90 0.65 0.65 0.74

Profit & Loss

Annual · Rs. Crores
Metric Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018
Expenses 3,337.002,518.001,561.001,234.001,125.00783.00551.00392.00374.00
Other Income 431.00600.00400.00299.00185.00125.0099.0058.0043.00
Interest 1,902.001,742.001,293.00976.00788.00742.00579.00382.00251.00
Depreciation 77.0077.0065.0059.0041.0030.0025.0016.000.00
Profit before tax -1,507.0028.00659.00536.0080.00151.00250.00149.00-63.00
Tax % -24.0014.0025.0025.0023.0026.0025.0037.000.00
Net Profit -1,151.0024.00498.00404.0061.00112.00187.0094.00-63.00
EPS in Rs -6.470.132.802.800.420.821.520.79-0.83
Dividend Payout % 0.000.0011.000.000.000.000.000.000.00

Balance Sheet

Annual · Rs. Crores — latest first
Metric Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018
Equity Capital 1,780.001,102.001,099.00896.00896.00848.00759.00737.00470.00
Reserves 996.001,873.001,874.001,104.00677.00520.00260.0036.00-58.00
Other Liabilities 1,610.001,232.001,462.001,057.00845.00654.00475.00245.00129.00
Total Liabilities 28,869.0028,127.0023,903.0019,117.0015,064.0012,138.009,404.006,239.004,524.00
Fixed Assets 333.00324.00301.00301.00286.00125.00110.0087.0087.00
CWIP 125.0063.0010.002.001.0056.0022.003.000.00
Investments 6,914.004,958.003,679.002,859.002,348.002,314.001,192.00862.00661.00
Other Assets 21,497.0022,783.0019,912.0015,955.0012,429.009,643.008,081.005,287.003,775.00
Total Assets 28,869.0028,127.0023,903.0019,117.0015,064.0012,138.009,404.006,239.004,524.00

Cash Flows

Annual · Rs. Crores — latest first
Metric Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019
Cash from Operating Activity 781.00876.00991.001,573.001,329.00-83.00115.00211.00
Cash from Investing Activity -3,309.00-777.00-620.00-693.00-739.00-532.00-322.00-171.00
Cash from Financing Activity 1,412.00310.00140.00-235.00111.00172.001,304.00-92.00
Net Cash Flow -1,115.00409.00511.00645.00702.00-444.001,097.00-52.00
Free Cash Flow 638.00718.00921.001,498.001,183.00-163.0070.00194.00
CFO/OP % 1,876.0061.0065.00129.00191.002.0027.0044.00

Ratios

Annual · Days / % — latest first
Metric Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018

Shareholding Pattern

% holding — latest first
Holder Jun 2026 Mar 2026 Dec 2025 Sep 2025 Jun 2025 Mar 2025 Dec 2024 Sep 2024 Jun 2024 Mar 2024 Dec 2023 Sep 2023
Promoters 42.67 42.67 42.67 68.92 68.92 68.92 68.93 68.94 69.02 69.06 69.16 69.28
FIIs 11.90 11.49 11.80 1.68 1.85 1.00 1.33 0.99 0.94 0.87 0.74 2.07
DIIs 9.54 9.56 9.74 2.39 2.78 7.04 8.23 10.01 10.60 9.82 11.30 12.99
Public 35.88 36.27 35.76 27.00 26.43 23.04 21.50 20.04 19.43 20.25 18.80 15.67
No. of Shareholders 279,233 282,993 276,742 249,372 248,311 243,613 240,592 227,886 215,133 222,044 192,791 163,614

Corporate Actions

3 records
ActionEx DateRecord DateRatioAmount (₹)Notes
Rights 14 Oct 2025 14 Oct 2025 8:13 —
Other 14 Oct 2025 14 Oct 2025 — — Right Issue of Equity Shares
Dividend 12 Jul 2024 12 Jul 2024 — 0.50

Announcements

5 filings

Shareholding Pattern

Open on BSE

Financial Results — Filings

Open on BSE

Board Filings

Open on BSE

Annual Reports

Credit Ratings

Conference Calls

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