Utkarsh Small Finance Bank
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Utkarsh Small Finance Bank

11.72
+0.28
(2.45%)
Market Cap
2,085.60 Cr
PE Ratio
-2.12
Volume
68,16,078.00
Day High - Low
11.80 - 10.86
52W High-Low
23.77 - 10.12
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There are new updates from the company1 day ago
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Key Fundamentals
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Market Cap
2,085.60 Cr
EPS
0.22
PE Ratio
-2.12
PB Ratio
0.62
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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neutral
Utkarsh Small Finance Bank submitted mandatory SEBI Regulation 74(5) certificates through registrar KFin Technologies for securities transactions during Q4 FY26, ensuring regulatory compliance.
positive
Utkarsh Small Finance Bank's unsecured creditors unanimously approved the scheme of amalgamation with Utkarsh CoreInvest Limited with 100% votes in favor through e-voting process.
positive
Utkarsh Small Finance Bank completed transfer of ₹1,490.99 crore stressed MFI loan portfolios to ARCIL and SARC for total consideration of ₹195.29 crore following Swiss Challenge Method auction process.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
868.25
#1 64,964.59
28.28
1,446.00
19.10
#1 761
26.34
41.64
55.42
10,766.52
21.10
7,200.60
11.40
726
70.99
51.10
54.25
6,190.16
-90.73
#1 7,223.20
14.93
147
35.75
38.79
372.70
3,924.36
12.57
5,485.70
17.11
501
-91.24
53.52
11.72
#5 2,085.60
#6 -2.12
#4 4,364.80
#1 21.96
#7 24
#8 -123.08
43.97
125.90
1,338.19
19.52
2,171.00
20.07
115
9.91
48.24
23.49
1,211.29
-3.10
4,329.30
1.62
-521
#1 103.37
46.46
238.79
1,084.55
#1 7.68
994.50
15.32
132
1.18
48.57
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

Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 20181 day ago
Voting Results & Scrutinizer Report Of NCLT Convened Meeting Of The Unsecured Creditors Held On March 28 2026.2 days ago
Intimation Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 (SEBI Listing Regulations)3 days ago
Outcome Of The NCLT Convened Meeting Of The Unsecured Creditors Of Utkarsh Small Finance Bank Limited Held On March 28 2026.6 days ago
Shareholder Meeting / Postal Ballot-Outcome of Court Convened Meeting6 days ago
Announcement under Regulation 30 (LODR)-Newspaper Publication7 days ago
Sale Of Unsecured Stressed MFI Loan Portfolio To ARC8 days ago
Closure of Trading Window9 days ago
Intimation Under Regulation 30 Read With Schedule III Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 (SEBI Listing Regulations)Mar 18, 2026
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

Technical Indicators

RSI(14)
Neutral
43.97
ATR(14)
Volatile
0.63
STOCH(9,6)
Neutral
30.28
STOCH RSI(14)
Neutral
66.67
MACD(12,26)
Bearish
-0.02
ADX(14)
Strong Trend
27.82
UO(9)
Bearish
45.68
ROC(12)
Downtrend But Slowing Down
-4.56
WillR(14)
Neutral
-39.16