| Annual Financials | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM |
Revenue  | 562 | 939 | 1,406 | 1,706 | 2,034 | 2,804 | 3,579 | 4,365 | 3,810 | 3,794 |
| Expenses | 390 | 392 | 551 | 783 | 1,125 | 1,234 | 1,562 | 2,519 | 3,337 | 3,142 |
| EBITDA | -78 | 165 | 276 | 181 | 121 | 595 | 725 | 104 | -1,429 | -1,233 |
| Operating Profit % | 25 % | 56 % | 58 % | 50 % | 39 % | 51 % | 51 % | 33 % | 1 % | 7 % |
| Depreciation | 16 | 16 | 25 | 30 | 41 | 59 | 65 | 77 | 77 | 0 |
| Interest | 251 | 382 | 580 | 742 | 788 | 976 | 1,293 | 1,742 | 1,902 | 1,884 |
| Profit Before Tax | -95 | 149 | 250 | 151 | 80 | 536 | 659 | 28 | -1,507 | -1,233 |
| Tax | -32 | 55 | 64 | 40 | 18 | 131 | 162 | 4 | -356 | -288 |
| Net Profit | -63 | 94 | 187 | 112 | 62 | 405 | 498 | 24 | -1,151 | -945 |
| EPS in ₹ | -0.92 | 1.37 | 2.49 | 1.46 | 0.70 | 4.52 | 4.79 | 0.22 | -8.37 | -6.90 |
Utkarsh Small Finance Bank
Utkarsh Small Finance Bank
14.56
-0.06
(-0.41%)
Market Cap
2,590.99 Cr
PE Ratio
-2.26
Volume
1,45,20,349.00
Day High - Low
15.14 - 14.30
52W High-Low
22.03 - 10.12
Key Fundamentals
Market Cap
2,590.99 Cr
EPS
-8.37
PE Ratio
-2.26
PB Ratio
0.94
Book Value
15.60
EBITDA
-1,429.30
Dividend Yield
0.00 %
Industry
Banks Sector
Small Finance Bank Return on Equity
-41.47
Debt to Equity
0.00
Analyst Rating and Forecast
- By Refinitiv from2 analysts
Actual
Company News
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Utkarsh Small Finance Bank reported a net loss of ₹339.20 lakh in Q1FY26, a significant improvement from ₹2,394.81 lakh in Q1FY25. Gross NPAs fell to 6.09% as the bank transferred stressed assets to ARCs.
Utkarsh Small Finance Bank reports a narrower net loss of ₹339.20 lakh in Q1FY26, driven by lower provisions and improved asset quality metrics.
Utkarsh SFB to Host Q1FY27 Earnings Call
4 days ago
4 days agoUtkarsh Small Finance Bank will hold its Q1FY27 earnings conference call on August 3, 2026, following the board's approval of unaudited financial results.
View more
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 |
|---|---|---|---|---|---|---|---|---|
1,060.00 | #1 79,366.40 | 27.47 | 1,446.00 | #1 19.10 | #1 761 | 37.03 | 57.64 | |
71.14 | 13,838.55 | 15.40 | #1 8,039.00 | 11.64 | 693 | #1 206.69 | 68.75 | |
76.26 | 8,722.02 | 16.86 | 6,794.24 | -5.94 | 103 | 182.04 | 48.77 | |
584.85 | 6,160.87 | 16.02 | 5,352.87 | -2.42 | 326 | 52.31 | 71.48 | |
14.56 | #5 2,590.99 | #7 -2.26 | #5 3,809.70 | #8 -12.72 | #8 -1,151 | #5 85.85 | 51.41 | |
40.92 | 2,111.27 | -423.50 | 4,348.20 | 0.44 | -166 | 198.65 | 67.19 | |
163.73 | 1,740.28 | 8.98 | 2,520.00 | 16.08 | 152 | 113.03 | 39.97 | |
295.65 | 1,343.18 | #1 8.79 | 1,146.90 | 15.32 | 141 | 29.06 | 52.17 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
-12.72 %
Net Income Growth
-4,956.54 %
Cash Flow Change
-10.84 %
ROE
-5,283.75 %
ROCE
-78.22 %
EBITDA Margin (Avg.)
-70.66 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
| Total Assets | 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 | 302 | 301 | 324 | 333 |
| Current Assets | 639 | 604 | 1,761 | 1,368 | 2,109 | 2,799 | 3,442 | 3,949 | 2,954 |
| Capital Work in Progress | 1 | 3 | 22 | 56 | 1 | 2 | 10 | 63 | 125 |
| Investments | 661 | 862 | 1,192 | 2,314 | 2,348 | 2,859 | 3,680 | 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 Equity & Liabilities | 4,524 | 6,239 | 9,404 | 12,138 | 15,064 | 19,117 | 23,903 | 28,127 | 28,869 |
| Current Liabilities | 129 | 245 | 475 | 654 | 845 | 1,057 | 1,462 | 1,233 | 1,610 |
| Non Current Liabilities | 4,395 | 5,994 | 8,930 | 11,484 | 14,218 | 18,060 | 22,441 | 26,895 | 27,259 |
| Total Equity | 412 | 773 | 1,020 | 1,368 | 1,572 | 2,000 | 2,973 | 2,975 | 2,776 |
| Reserve & Surplus | -58 | 36 | 260 | 520 | 677 | 1,104 | 1,874 | 1,873 | 996 |
| Share Capital | 470 | 737 | 759 | 848 | 896 | 896 | 1,100 | 1,102 | 1,780 |
Cash Flow
| Cash Flow | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
| Net Cash Flow | -52 | 1,097 | -444 | 702 | 645 | 511 | 409 | -1,115 |
| Investing Activities | -171 | -322 | -533 | -739 | -693 | -620 | -777 | -3,309 |
| Operating Activities | 211 | 115 | -84 | 1,329 | 1,573 | 991 | 876 | 781 |
| Financing Activities | -92 | 1,304 | 172 | 111 | -235 | 140 | 311 | 1,413 |
Share Holding
| % Holding | Jul 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Nov 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
| Promoter | 69.28 % | 69.28 % | 69.16 % | 69.06 % | 69.02 % | 68.94 % | 68.93 % | 68.92 % | 68.92 % | 68.92 % | 42.67 % | 42.67 % | 42.67 % | 42.67 % |
| FIIs | 0.00 % | 2.07 % | 0.00 % | 0.87 % | 0.95 % | 0.99 % | 1.34 % | 0.99 % | 1.85 % | 1.68 % | 13.07 % | 11.80 % | 11.49 % | 11.90 % |
| DIIs | 10.34 % | 13.00 % | 9.93 % | 9.82 % | 10.61 % | 10.01 % | 8.23 % | 7.03 % | 2.78 % | 2.39 % | 10.70 % | 9.76 % | 9.57 % | 9.55 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.01 % | 0.01 % | 0.01 % | 0.01 % | 0.01 % | 0.01 % | 0.01 % | 0.01 % | 0.00 % | 0.00 % |
| Public / Retail | 4.60 % | 6.47 % | 9.28 % | 11.26 % | 11.84 % | 13.46 % | 14.41 % | 15.54 % | 17.94 % | 18.83 % | 20.91 % | 23.95 % | 26.35 % | 26.07 % |
| Others | 15.78 % | 9.19 % | 11.63 % | 8.99 % | 7.58 % | 6.59 % | 7.10 % | 7.50 % | 8.49 % | 8.17 % | 12.64 % | 11.82 % | 9.92 % | 9.81 % |
| 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 | 2,49,372 | 2,66,672 | 2,76,742 | 2,82,993 | 2,79,233 |
Dividend History
| Annual Cash Flows | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.5 | 0.00 | 0.00 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.67 | 0.00 | 0.00 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 04 Aug 2026 |  Annual General Meeting | NA | 04 Aug 2026 | 14.79 | 14.64 |
| 12 Jul 2024 |  Dividend | ₹ 0.50 /share | 12 Jul 2024 | 49.91 | 42.51 |
| 22 Jul 2024 | Annual General Meeting | NA | 22 Jul 2024 | 45.77 | 42.46 |
| 09 Nov 2024 |  Quarterly Result Announcement | NA | 09 Nov 2024 | 34.95 | 34.69 |
| 14 Feb 2025 | Quarterly Result Announcement | NA | 14 Feb 2025 | 26.69 | 25.07 |
| 03 May 2025 | Quarterly Result Announcement | NA | 03 May 2025 | 21.39 | 21.01 |
| 02 Aug 2025 | Quarterly Result Announcement | NA | 02 Aug 2025 | 19.28 | 18.60 |
| 22 Aug 2025 | Annual General Meeting | NA | 22 Aug 2025 | 18.80 | 18.19 |
| 14 Oct 2025 |  Rights | 8:13 | 14 Oct 2025 | 18.51 | 19.70 |
| 14 Nov 2025 | Quarterly Result Announcement | NA | 14 Nov 2025 | 16.90 | 15.92 |
| 02 Feb 2026 | Quarterly Result Announcement | NA | 02 Feb 2026 | 13.65 | 13.70 |
| 28 Mar 2026 |  Extraordinary General Meeting | NA | 28 Mar 2026 | 13.77 | 11.03 |
| 09 May 2026 | Quarterly Result Announcement | NA | 09 May 2026 | 14.95 | 15.51 |
| 01 Aug 2026 | Quarterly Result Announcement | NA | 01 Aug 2026 | 14.27 | 14.64 |
Announcements
Announcement under Regulation 30 (LODR)-Newspaper Publication3 hrs ago
3 hrs agoAnnouncement under Regulation 30 (LODR)-Investor Presentation1 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Press Release / Media Release1 day ago
1 day agoUnaudited Financial Results For Quarter Ended June 30 20261 day ago
1 day agoBoard Meeting Outcome for Outcome Of Board Meeting Held On August 01 20262 days ago
2 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation5 days ago
5 days agoBoard Meeting Intimation for Consideration And Approval Of The Unaudited Financial Results For The Quarter Ended June 30 20265 days ago
5 days agoCall Option Notice For ISIN: INE735W08038Jul 22, 2026
Jul 22, 2026Corporate Action - Fixes Record Date For Call Option Of Non Convertible Debentures.Jul 21, 2026
Jul 21, 2026Board Meeting Outcome for Outcome Of The Board Committee Meeting Held On July 21 2026Jul 21, 2026
Jul 21, 2026Board Meeting Intimation for Meeting To Be Held On July 21 2026.Jul 16, 2026
Jul 16, 2026Announcement under Regulation 30 (LODR)-Credit RatingJul 14, 2026
Jul 14, 2026Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 11, 2026
Jul 11, 2026Business Responsibility and Sustainability Reporting (BRSR)Jul 10, 2026
Jul 10, 2026Notice Of The 10Th Annual General Meeting And Annual Report For FY 2025-26Jul 10, 2026
Jul 10, 2026Reg. 34 (1) Annual Report.Jul 10, 2026
Jul 10, 2026Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 08, 2026
Jul 08, 2026Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 06, 2026
Jul 06, 2026Business Updates For The Quarter Ended June 30 2026Jul 05, 2026
Jul 05, 2026Announcement under Regulation 30 (LODR)-Credit RatingJul 02, 2026
Jul 02, 2026Intimation Of Newspaper Publication Regarding Hearing Of Petition In Connection With The Scheme Of Amalgamation Of Utkarsh Coreinvest Limited With Utkarsh Small Finance Bank LimitedJul 01, 2026
Jul 01, 2026Certificate Of Compliance With Cyber Security Guidelines Issued By Reserve Bank Of India And SEBI Cybersecurity And Cyber Resilience Framework.Jun 30, 2026
Jun 30, 2026Intimation Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 (SEBI Listing Regulations)Jun 30, 2026
Jun 30, 2026Newspaper Publication With Respect To The Proposal For Sale Of NPA And Written-Off Loans To ARCJun 27, 2026
Jun 27, 2026Intimation Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 (SEBI Listing Regulations)Jun 26, 2026
Jun 26, 2026Closure of Trading WindowJun 25, 2026
Jun 25, 2026Announcement Under Regulation 30 ( LODR )Jun 20, 2026
Jun 20, 2026Announcement Under Regulation 30 ( LODR )Jun 20, 2026
Jun 20, 2026Announcement under Regulation 30 (LODR)-Change in DirectorateJun 20, 2026
Jun 20, 2026Board Meeting Outcome for Outcome Of The Board Meeting Held On Saturday June 20 2026Jun 20, 2026
Jun 20, 2026Board Meeting Intimation for Intimation Of Board Meeting To Be Held On Saturday June 20 2026.Jun 17, 2026
Jun 17, 2026Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 25, 2026
May 25, 2026 Announcement Under Regulation 30 (LODR)- Update On Scheme Of ArrangementMay 25, 2026
May 25, 2026Announcement Under Regulation 30 (LODR)- Update On Scheme Of ArrangementMay 20, 2026
May 20, 2026Announcement under Regulation 30 (LODR)-Earnings Call TranscriptMay 15, 2026
May 15, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 11, 2026
May 11, 2026Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 11, 2026
May 11, 2026Announcement under Regulation 30 (LODR)-Change in ManagementMay 09, 2026
May 09, 2026Announcement under Regulation 30 (LODR)-Change in DirectorateMay 09, 2026
May 09, 2026Financial Results For The Financial Year Ended March 31 2026May 09, 2026
May 09, 2026Announcement under Regulation 30 (LODR)-Investor PresentationMay 09, 2026
May 09, 2026Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseMay 09, 2026
May 09, 2026Board Meeting Outcome for Outcome Of Board Meeting Held On May 09 2026May 09, 2026
May 09, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 06, 2026
May 06, 2026Board Meeting Intimation for Consideration And Approval Of The Audited Financial Results For The Quarter And Financial Year Ended March 31 2026May 06, 2026
May 06, 2026Intimation Of ESG RatingApr 25, 2026
Apr 25, 2026Update On The Scheme Of Amalgamation- Filing Of Joint 2Nd Motion Petition With NCLTApr 05, 2026
Apr 05, 2026Provisional Business Updates For The Quarter And Year Ended March 31 2026 (Un-Audited)Apr 05, 2026
Apr 05, 2026Business Updates For The Quarter And Year Ended March 31 2026Apr 04, 2026
Apr 04, 2026Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Apr 02, 2026
Apr 02, 2026Mutual Fund Holdings
| Funding House | Current Holding % | 1M Change | 1M Change % | 3M Change % | Last 6M Trend |
|---|---|---|---|---|---|
 Motilal Oswal BSE 1000 Index Fund Direct-Growth | 0.01% | 148 | 0.00% | 0.00% | |
 Aditya Birla Sun Life Banking & Financial Services Fund Direct-Growth | 0.00% | 0 | 0.00% | 0.00% | |
 Bandhan Business Cycle Fund Direct-Growth | 0.00% | 0 | 0.00% | 0.00% | |
 WhiteOak Capital Banking & Financial Services Fund Direct-Growth | 0.00% | 0 | 0.00% | -0.23% | |
WhiteOak Capital Multi Asset Allocation Fund Direct-Growth | 0.00% | 0 | 0.00% | 0.00% | |
WhiteOak Capital Special Opportunities Fund Direct-Growth | 0.00% | 0 | 0.00% | 0.00% |
Technical Indicators
RSI(14)
Neutral 52.52
ATR(14)
Less Volatile 0.51
STOCH(9,6)
Neutral 24.60
STOCH RSI(14)
Neutral 26.19
MACD(12,26)
Bearish -0.08
ADX(14)
Weak Trend 24.60
UO(9)
Bearish 44.91
ROC(12)
Downtrend And Accelerating -2.34
WillR(14)
Neutral -69.68
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