| Annual Financials | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
Revenue  | 562 | 939 | 1,406 | 1,706 | 2,034 | 2,804 | 3,579 | 4,365 | 4,313 |
| Expenses | 390 | 392 | 551 | 783 | 1,125 | 1,234 | 1,562 | 2,519 | 2,962 |
| EBITDA | -78 | 165 | 276 | 181 | 121 | 595 | 725 | 104 | -477 |
| Operating Profit % | 25 % | 56 % | 58 % | 50 % | 39 % | 51 % | 51 % | 33 % | 19 % |
| Depreciation | 16 | 16 | 25 | 30 | 41 | 59 | 65 | 77 | 0 |
| Interest | 251 | 382 | 580 | 742 | 788 | 976 | 1,293 | 1,742 | 1,828 |
| Profit Before Tax | -95 | 149 | 250 | 151 | 80 | 536 | 659 | 28 | -477 |
| Tax | -32 | 55 | 64 | 40 | 18 | 131 | 162 | 4 | -124 |
| Net Profit | -63 | 94 | 187 | 112 | 62 | 405 | 498 | 24 | -353 |
| EPS in ₹ | -0.92 | 1.37 | 2.49 | 1.46 | 0.70 | 4.52 | 4.79 | 0.22 | -3.20 |
Utkarsh Small Finance Bank
Utkarsh Small Finance Bank
21.77
+0.79
(3.77%)
There are 5 new updates from the company16 hours ago
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Market Cap
2,311.20 Cr
EPS
0.22
PE Ratio
99.59
Dividend Yield
0.00 %
Industry
Banks52 Week High
46.39
52 Week Low
19.90
PB Ratio
0.81
Debt to Equity
0.00
Sector
Small Finance Bank
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from1 analysts
Company News
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The bank's Board of Directors approved the issuance of equity shares through a rights issue for an amount not exceeding ₹950 crore. The rights issue will be offered to eligible equity shareholders, their renouncees, and specific investors as on the record date. The Capital Structuring & Fund Raise Committee is scheduled to meet on October 08, 2025 to determine the specific terms and conditions of the rights issue, including the issue price, entitlement ratio, record date, and payment terms. The board meeting was held on October 01, 2025, commencing at 6:00 p.m. and concluding at 7:44 p.m.
Utkarsh Small Finance Bank has agreed to sell its bad loans and non-performing assets to an Asset Reconstruction Company (ARC) for ₹11.40 crore. This transaction involves the disposal of distressed assets from the bank's portfolio.
Utkarsh Small Finance Bank Board to Consider Fundraising Through Equity Share Issuance3 days ago
Utkarsh Small Finance Bank has scheduled a board meeting for October 1, 2025, to consider raising funds through equity share issuance. The bank previously approved plans to raise up to Rs 750 crore via share sale through various modes including qualified institutions placement, preferential issue, private placements, and further public offer. The Reserve Bank of India has approved the amalgamation of Utkarsh CoreInvest Ltd. with Utkarsh Small Finance Bank Limited, with the merger expected to be completed within 12-13 months. The bank, which began operations in January 2017, focuses on providing microfinance to underserved sections and operates primarily in rural and semi-urban locations.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
724.55 | #1 54,555.00 | 24.80 | 1,446.00 | 19.10 | #1 761 | #1 15.58 | 52.24 | |
48.23 | 8,978.70 | 17.67 | 7,200.60 | 11.40 | 726 | -65.73 | 57.12 | |
56.85 | 6,521.40 | 43.63 | #1 7,223.20 | 14.93 | 147 | -967.44 | 58.50 | |
485.75 | 5,033.00 | 11.81 | 5,485.70 | 17.11 | 501 | -40.27 | 54.47 | |
21.77 | #5 2,311.20 | #8 99.59 | #4 4,364.80 | #1 21.96 | #7 24 | #7 -274.31 | 40.28 | |
29.69 | 1,497.10 | 19.65 | 4,329.30 | 1.62 | -521 | -229.30 | 44.14 | |
155.59 | 1,434.70 | 20.49 | 2,171.00 | 20.07 | 115 | -49.64 | 60.63 | |
283.40 | 1,251.70 | #1 9.62 | 994.50 | 15.32 | 132 | 6.67 | 30.27 |
Automatic Screeners on ScanX
Forecast
Actual
Growth Rate
Revenue Growth
21.96 %
Net Income Growth
-95.24 %
Cash Flow Change
-11.67 %
ROE
-95.22 %
ROCE
-23.01 %
EBITDA Margin (Avg.)
-24.96 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 4,524 | 6,239 | 9,404 | 12,138 | 15,064 | 19,117 | 23,903 | 28,127 |
| Fixed Assets | 87 | 87 | 110 | 125 | 286 | 302 | 301 | 324 |
| Current Assets | 639 | 604 | 1,761 | 1,368 | 2,109 | 2,799 | 3,442 | 3,949 |
| Capital Work in Progress | 1 | 3 | 22 | 56 | 1 | 2 | 10 | 63 |
| Investments | 661 | 862 | 1,192 | 2,314 | 2,348 | 2,859 | 3,680 | 4,958 |
| Other Assets | 3,775 | 5,287 | 8,081 | 9,643 | 12,429 | 15,955 | 19,912 | 22,783 |
| Total Liabilities | 4,524 | 6,239 | 9,404 | 12,138 | 15,064 | 19,117 | 23,903 | 28,127 |
| Current Liabilities | 129 | 245 | 475 | 654 | 845 | 1,057 | 1,462 | 1,233 |
| Non Current Liabilities | 4,395 | 5,994 | 8,930 | 11,484 | 14,218 | 18,060 | 22,441 | 26,895 |
| Total Equity | 412 | 773 | 1,020 | 1,368 | 1,572 | 2,000 | 2,973 | 2,975 |
| Reserve & Surplus | -58 | 36 | 260 | 520 | 677 | 1,104 | 1,874 | 1,873 |
| Share Capital | 470 | 737 | 759 | 848 | 896 | 896 | 1,100 | 1,102 |
Cash Flow
| Cash Flow | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | -52 | 1,097 | -444 | 702 | 645 | 511 | 409 |
| Investing Activities | -171 | -322 | -533 | -739 | -693 | -620 | -777 |
| Operating Activities | 211 | 115 | -84 | 1,329 | 1,573 | 991 | 876 |
| Financing Activities | -92 | 1,304 | 172 | 111 | -235 | 140 | 311 |
Share Holding
| % Holding | Jul 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
| Promoter | 69.28 % | 69.28 % | 69.16 % | 69.06 % | 69.02 % | 68.94 % | 68.93 % | 68.92 % | 68.92 % |
| FIIs | 0.00 % | 2.07 % | 0.00 % | 0.87 % | 0.95 % | 0.99 % | 1.34 % | 0.99 % | 1.85 % |
| DIIs | 10.34 % | 13.00 % | 9.93 % | 9.82 % | 10.61 % | 10.01 % | 8.23 % | 7.03 % | 2.78 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.01 % | 0.01 % | 0.01 % | 0.01 % | 0.01 % |
| Public / Retail | 4.60 % | 6.47 % | 9.28 % | 11.26 % | 11.84 % | 13.46 % | 14.41 % | 15.54 % | 17.94 % |
| Others | 15.78 % | 9.19 % | 11.63 % | 8.99 % | 7.58 % | 6.59 % | 7.10 % | 7.50 % | 8.49 % |
| No of Share Holders | 37,957 | 1,63,614 | 1,92,791 | 2,22,044 | 2,15,133 | 2,27,886 | 2,40,592 | 2,43,613 | 2,48,311 |
Dividend History
Dividends per share (FY)
Dividend yield (FY) %
Dividends per share (FY)
Dividend yield (FY) %
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.5 | 0.00 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.27 | 0.00 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 12 Jul 2024 |  Dividend | ₹ 0.50 /share | 12 Jul 2024 | 58.78 | 50.08 |
| 22 Jul 2024 |  Annual General Meeting | NA | 22 Jul 2024 | 53.92 | 50.01 |
| 09 Nov 2024 |  Quarterly Result Announcement | NA | 09 Nov 2024 | 41.16 | 40.86 |
| 14 Feb 2025 | Quarterly Result Announcement | NA | 14 Feb 2025 | 31.43 | 29.53 |
| 03 May 2025 | Quarterly Result Announcement | NA | 03 May 2025 | 25.20 | 24.75 |
| 02 Aug 2025 | Quarterly Result Announcement | NA | 02 Aug 2025 | 22.71 | 21.91 |
| 22 Aug 2025 | Annual General Meeting | NA | 22 Aug 2025 | 22.15 | 21.43 |
Announcements
Announcement under Regulation 30 (LODR)-Raising of Funds
1 hour ago
1 hour agoBoard Meeting Intimation for To Consider And Decide The Terms And Conditions Of The Rights Issue Including But Not Limited To The Determination Of The Rights Issue Price Rights Entitlement Ratio Record Date Terms Of Payment And Other Related Matters.15 hours ago
15 hours agoCorporate Action-Intimation of Right issue16 hours ago
16 hours agoAnnouncement Under Regulation 30 (LODR)-Raising Of Funds16 hours ago
16 hours agoBoard Meeting Outcome for Outcome Of Meeting Of The Board Of Directors Held On October 01 202516 hours ago
16 hours agoSale Of NPA And Written Off Loans To ARC1 day ago
1 day agoBoard Meeting Intimation for Fund Raise Through Issuance Of Equity Shares3 days ago
3 days agoClosure of Trading Window5 days ago
5 days agoIntimation Of Extension Of Timeline In Schedule Of Analyst/Institutional Investor MeetingsSep 04, 2025
Sep 04, 2025Certificate Of Compliance With Cyber Security Guidelines Issued By Reserve Bank Of India And SEBI Cybersecurity And Cyber Resilience Framework.Aug 30, 2025
Aug 30, 2025Announcement under Regulation 30 (LODR)-Investor PresentationAug 27, 2025
Aug 27, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 27, 2025
Aug 27, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 22, 2025
Aug 22, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMAug 22, 2025
Aug 22, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 19, 2025
Aug 19, 2025Announcement under Regulation 30 (LODR)-Credit RatingAug 13, 2025
Aug 13, 2025Announcement under Regulation 30 (LODR)-Credit RatingAug 12, 2025
Aug 12, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAug 07, 2025
Aug 07, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 04, 2025
Aug 04, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 04, 2025
Aug 04, 2025Announcement under Regulation 30 (LODR)-Investor PresentationAug 02, 2025
Aug 02, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 02, 2025
Aug 02, 2025Announcement under Regulation 30 (LODR)-Change in ManagementAug 02, 2025
Aug 02, 2025Un-Audited Financial Results For Quarter Ended June 30 2025Aug 02, 2025
Aug 02, 2025Board Meeting Outcome for Outcome Of Board Meeting Held On August 02 2025Aug 02, 2025
Aug 02, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 01, 2025
Aug 01, 2025Business Responsibility and Sustainability Reporting (BRSR)Jul 31, 2025
Jul 31, 2025Notice Of The 9Th Annual General Meeting And Annual Report For FY 2024-25Jul 31, 2025
Jul 31, 2025Reg. 34 (1) Annual Report.Jul 31, 2025
Jul 31, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 30, 2025
Jul 30, 2025Board Meeting Intimation for Intimation Of Board Meeting Of Utkarsh Small Finance Bank Limited Scheduled To Be Held On August 02 2025.Jul 30, 2025
Jul 30, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 29, 2025
Jul 29, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateJul 21, 2025
Jul 21, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateJul 20, 2025
Jul 20, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJul 15, 2025
Jul 15, 2025Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotJul 14, 2025
Jul 14, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJul 08, 2025
Jul 08, 2025Announcement under Regulation 30 (LODR)-Scheme of ArrangementJul 07, 2025
Jul 07, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 05, 2025
Jul 05, 2025Business Updates For Quarter Ended June 30 2025Jul 05, 2025
Jul 05, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateJul 01, 2025
Jul 01, 2025Closure of Trading WindowJun 27, 2025
Jun 27, 2025Announcement under Regulation 30 (LODR)-Credit RatingJun 20, 2025
Jun 20, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJun 13, 2025
Jun 13, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotJun 12, 2025
Jun 12, 2025Announcement under Regulation 30 (LODR)-Credit RatingJun 12, 2025
Jun 12, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Jun 09, 2025
Jun 09, 2025Board Meeting Outcome for Outcome Of The Meeting Of The Board Of Directors Held On June 07 2025Jun 07, 2025
Jun 07, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJun 04, 2025
Jun 04, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateMay 27, 2025
May 27, 2025Technical Indicators
RSI(14)
Neutral 53.58
ATR(14)
Volatile 0.55
STOCH(9,6)
Neutral 23.51
STOCH RSI(14)
Neutral 21.12
MACD(12,26)
Bearish -0.05
ADX(14)
Weak Trend 24.41
UO(9)
Bearish 39.70
ROC(12)
Uptrend And Accelerating 0.88
WillR(14)
Neutral -43.39
Mutual Fund Holdings
| Funding House | Current Holding % | 1M Change | 1M Change % | 3M Change % | Last 6M Trend |
|---|---|---|---|---|---|
 Aditya Birla Sun Life Banking & Financial Services Fund Direct-Growth | 0.11% | 0 | 0.00% | -0.01% | |
| Aditya Birla Sun Life Multi-Cap Fund Direct-Growth | 0.00% | 0 | 0.00% | 0.00% | |
 Bandhan Nifty Total Market Index Fund Direct-Growth | 0.00% | 0 | 0.00% | 0.00% | |
 Groww Nifty Total Market Index Fund Direct - Growth | 0.00% | 0 | 0.00% | 0.00% | |
 Mirae Asset Balanced Advantage Fund Direct - Growth | 0.00% | 0 | 0.00% | 0.00% | |
| Mirae Asset Banking and Financial Services Fund Direct - Growth | 0.00% | 0 | 0.00% | -0.51% | |
| Mirae Asset ELSS Tax Saver Fund Direct-Growth | 0.00% | 0 | 0.00% | 0.00% | |
| Mirae Asset Midcap Fund Direct - Growth | 0.00% | 0 | 0.00% | 0.00% | |
| Mirae Asset Multi Asset Allocation Fund Direct - Growth | 0.00% | 0 | 0.00% | 0.00% | |
| Mirae Asset Nifty Total Market Index Fund Direct-Growth | 0.00% | 0 | 0.00% | 0.00% | |
 Motilal Oswal Nifty Microcap 250 Index Fund Direct - Growth | 0.00% | 0 | 0.00% | 0.00% | |
| Motilal Oswal Quant Fund Direct-Growth | 0.00% | 0 | 0.00% | 0.00% |
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