Utkarsh Small Finance Bank
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Utkarsh Small Finance Bank

12.28
-0.25
(-2.00%)
Market Cap
2,185.26 Cr
PE Ratio
-2.33
Volume
58,24,930.00
Day High - Low
12.59 - 12.21
52W High-Low
23.77 - 12.37
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Key Fundamentals
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Market Cap
2,185.26 Cr
EPS
0.22
PE Ratio
-2.33
PB Ratio
0.68
Book Value
18.52
EBITDA
104.20
Dividend Yield
0.00 %
Industry
Banks
Return on Equity
0.80
Debt to Equity
0.00
Analyst Rating and Forecast
- By Refinitiv from2 analysts
BUY
Analysts have suggested that investors can buy this stock
Buy
Buy+100.00 %
+100.00 %
Hold
Hold0.0 %
0.0 %
Sell
Sell0.0 %
0.0 %
Forecast For
Actual

Company News

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Caret
positive
Utkarsh Small Finance Bank announces successful completion of postal ballot voting process with all three resolutions passed by requisite majority, including director appointments and CEO remuneration approval.
neutral
Muralidharan Rajamani ceased to be Non-Executive Non-Independent Director of Utkarsh Small Finance Bank effective March 02, 2026, after completing his five-year tenure.
neutral
Hitain Sharma, Chief Human Resource Officer at Utkarsh Small Finance Bank, has resigned from his position effective February 27, 2026, after serving over 6 years to pursue other career opportunities.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
884.35
#1 66,054.94
29.19
1,446.00
19.10
#1 761
26.34
31.05
50.68
9,824.13
20.91
7,200.60
11.40
726
70.99
31.09
56.40
6,433.66
-96.22
#1 7,223.20
14.93
147
35.75
26.32
353.05
3,716.10
11.91
5,485.70
17.11
501
-91.24
41.32
12.28
#5 2,185.26
#6 -2.33
#4 4,364.80
#1 21.96
#7 24
#8 -123.08
33.47
131.98
1,402.81
19.63
2,171.00
20.07
115
9.91
52.43
24.22
1,248.72
-3.44
4,329.30
1.62
-521
#1 103.37
26.82
237.00
1,076.42
#1 8.11
994.50
15.32
132
1.18
22.11
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

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
4,024
Expenses
390
392
551
783
1,125
1,234
1,562
2,519
3,378
EBITDA
-78
165
276
181
121
595
725
104
-1,263
Operating Profit %
25 %
56 %
58 %
50 %
39 %
51 %
51 %
33 %
1 %
Depreciation
16
16
25
30
41
59
65
77
0
Interest
251
382
580
742
788
976
1,293
1,742
1,910
Profit Before Tax
-95
149
250
151
80
536
659
28
-1,263
Tax
-32
55
64
40
18
131
162
4
-303
Net Profit
-63
94
187
112
62
405
498
24
-960
EPS in ₹
-0.92
1.37
2.49
1.46
0.70
4.52
4.79
0.22
-7.80

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 Equity & 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
Sept 2025
Nov 2025
Dec 2025
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 %
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 %
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 %
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 %
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 %
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 %
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

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

Announcements

Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotMar 02, 2026
Announcement under Regulation 30 (LODR)-Change in DirectorateMar 02, 2026
Announcement under Regulation 30 (LODR)-Change in ManagementFeb 27, 2026
Announcement under Regulation 30 (LODR)-Change in ManagementFeb 27, 2026
Announcement under Regulation 30 (LODR)-Newspaper PublicationFeb 25, 2026
Notice Of The NCLT Convened Meeting Of The Unsecured Creditors Of The Bank To Be Held On March 28 2026Feb 24, 2026
Notice Of The NCLT Convened Meeting Of The Equity Shareholders Of The Bank To Be Held On March 28 2026Feb 24, 2026
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 16, 2026
Announcement under Regulation 30 (LODR)-Scheme of ArrangementFeb 13, 2026
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptFeb 06, 2026
Announcement under Regulation 30 (LODR)-Newspaper PublicationFeb 03, 2026
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeFeb 02, 2026
Statement Of Deviation And Variation For Quarter Ended December 31 2025Feb 02, 2026
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseFeb 02, 2026
Limited Review Results For Quarter And Nine Month Ended On December 31 2025Feb 02, 2026
Announcement under Regulation 30 (LODR)-Investor PresentationFeb 02, 2026
Board Meeting Outcome for Outcome Of Board MeetingFeb 02, 2026
Announcement under Regulation 30 (LODR)-Newspaper PublicationJan 30, 2026
Shareholder Meeting / Postal Ballot-Notice of Postal BallotJan 29, 2026
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJan 28, 2026
Board Meeting Intimation for The Board Meeting Scheduled To Be Held On February 02 2026.Jan 28, 2026
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jan 06, 2026
Business Updates For Quarter And Nine Months Ended December 31 2025Jan 05, 2026
Announcement under Regulation 30 (LODR)-Credit RatingJan 05, 2026
Announcement under Regulation 30 (LODR)-Change in DirectorateJan 03, 2026
Board Meeting Outcome for Outcome Of The Board Meeting Held On January 03 2026Jan 03, 2026
Announcement under Regulation 30 (LODR)-Resignation of DirectorDec 31, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementDec 31, 2025
Announcement under Regulation 30 (LODR)-Scheme of ArrangementDec 26, 2025
Closure of Trading WindowDec 26, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementDec 13, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateDec 13, 2025
Board Meeting Outcome for Outcome Of Board Meeting Held On December 13 2025Dec 13, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptNov 19, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 18, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationNov 15, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeNov 15, 2025
Grant Of Esops Under USFBL Employee Stock Option Plan 2020Nov 14, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementNov 14, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseNov 14, 2025
Un-Audited Financial Results For The Quarter And Half Year Ended September 30 2025Nov 14, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationNov 14, 2025
Board Meeting Outcome for Outcome Of Board Meeting Held On November 14 2025Nov 14, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 14, 2025
Clarification To Intimation Dated November 11 2025Nov 13, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 11, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 11, 2025
Board Meeting Intimation for The Board Meeting Scheduled To Be Held On November 14 2025Nov 11, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationNov 06, 2025
Announcement under Regulation 30 (LODR)-AllotmentNov 05, 2025

Technical Indicators

RSI(14)
Neutral
33.47
ATR(14)
Less Volatile
0.57
STOCH(9,6)
Oversold
6.45
STOCH RSI(14)
Oversold
2.60
MACD(12,26)
Bearish
-0.14
ADX(14)
Weak Trend
15.94
UO(9)
Bearish
32.07
ROC(12)
Downtrend And Accelerating
-19.53
WillR(14)
Oversold
-98.08