| 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
16.46
+0.32
(1.98%)
There are new updates from the company1 day ago
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Key Fundamentals
Market Cap
2,872.20 Cr
EPS
0.22
PE Ratio
-8.33
Dividend Yield
0.00 %
Industry
Banks 52 Week High
33.66
52 Week Low
15.35
PB Ratio
0.75
Debt to Equity
0.00
Sector
Small Finance Bank Analyst Rating and Forecast
- By Refinitiv from1 analysts
Actual
Company News
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Utkarsh Small Finance Bank has completed its rights issue, allotting 67,79,13,784 equity shares at Rs. 14 per share to eligible shareholders. The rights issue opened on October 24, 2025 and closed on November 03, 2025, raising approximately Rs. 949.08 crores. The allotment was approved by the bank's Capital Structuring and Fund Raise Committee on November 05, 2025. Following the allotment, the bank's paid-up share capital increased from Rs. 11,01,60,99,000 to Rs. 17,79,52,36,840, with the number of equity shares rising from 1,10,16,09,900 to 1,77,95,23,684. Each share has a face value of Rs. 10 and was issued at a premium of Rs. 4 per share.
Utkarsh Small Finance Bank shares closed 18.25% higher at Rs 21.71 after announcing the allotment of over 5.71 crore shares to Madhusudan Kela's fund house Cohesion MK Best Ideas Sub-Trust as part of its rights issue. Other significant participants included India Capital Fund Ltd. (4.4 crore shares), Kotak Mahindra Life Insurance Company (4.21 crore shares), and ICICI Prudential Life Insurance Company (3.57 crore shares). The bank had received board approval to raise up to Rs 950 crore through the rights issue. Despite the day's gains, the stock has declined 47.14% over the past 12 months and 36.13% year-to-date. Analyst consensus shows a 12-month price target of Rs 27.17, indicating potential upside of 2.1%.
Utkarsh Small Finance Bank Confirms Rights Issue Applications from 37 Specific Investors
Oct 24, 2025
Oct 24, 2025Utkarsh Small Finance Bank confirmed that all identified specific investors submitted applications for its rights issue of up to 67,79,13,784 fully paid-up equity shares on October 24, 2025. The bank disclosed applications from 37 specific investors including major institutional players like Kotak Mahindra Life Insurance Company Limited (4,21,42,857 shares), India Capital Fund Ltd Mauritius (4,40,00,000 shares), Cohesion MK Best Ideas Sub-Trust (5,71,42,857 shares), ICICI Prudential Life Insurance Company Limited (3,57,14,285 shares), and HDFC Life Insurance Company Limited (1,46,64,285 shares). Other participants include various funds, trusts, private companies and individual investors. The applications were submitted before 11 a.m. on the issue opening date in compliance with SEBI regulations.
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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 |
|---|---|---|---|---|---|---|---|---|
882.05 | #1 66,340.20 | 30.27 | 1,446.00 | 19.10 | #1 761 | -1.80 | 63.32 | |
51.00 | 9,885.30 | 23.72 | 7,200.60 | 11.40 | 726 | -47.77 | 52.73 | |
57.93 | 6,653.70 | #1 -72.50 | #1 7,223.20 | 14.93 | 147 | #1 86.82 | 47.97 | |
446.30 | 4,822.50 | 11.43 | 5,485.70 | 17.11 | 501 | -22.44 | 42.19 | |
16.46 | #5 2,872.20 | #2 -8.33 | #4 4,364.80 | #1 21.96 | #7 24 | #8 -274.31 | 37.30 | |
27.00 | 1,430.00 | -2.10 | 4,329.30 | 1.62 | -521 | 39.08 | 36.70 | |
138.53 | 1,418.20 | 22.58 | 2,171.00 | 20.07 | 115 | -33.04 | 42.77 | |
270.00 | 1,230.70 | 9.07 | 994.50 | 15.32 | 132 | 4.80 | 38.05 |
Automatic Screeners on ScanX
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 | Sept 2025 |
| Promoter | 69.28 % | 69.28 % | 69.16 % | 69.06 % | 69.02 % | 68.94 % | 68.93 % | 68.92 % | 68.92 % | 68.92 % |
| FIIs | 0.00 % | 2.07 % | 0.00 % | 0.87 % | 0.95 % | 0.99 % | 1.34 % | 0.99 % | 1.85 % | 1.68 % |
| DIIs | 10.34 % | 13.00 % | 9.93 % | 9.82 % | 10.61 % | 10.01 % | 8.23 % | 7.03 % | 2.78 % | 2.39 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 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 % |
| Others | 15.78 % | 9.19 % | 11.63 % | 8.99 % | 7.58 % | 6.59 % | 7.10 % | 7.50 % | 8.49 % | 8.17 % |
| 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 |
Dividend History
| 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 | 2.67 | 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 | 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 |
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation1 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation1 day ago
1 day agoBoard Meeting Intimation for The Board Meeting Scheduled To Be Held On November 14 20251 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Newspaper Publication6 days ago
6 days agoAnnouncement under Regulation 30 (LODR)-Allotment7 days ago
7 days agoChange In Domain Name Of Website Of The BankOct 31, 2025
Oct 31, 2025Clarification On Email Bearing Ref No. L/SURV/ONL/PV/AA/ 2025-2026/609 Dated October 27 2025Oct 27, 2025
Oct 27, 2025Clarification sought from Utkarsh Small Finance Bank LtdOct 27, 2025
Oct 27, 2025Intimation Pursuant To Regulation 77B(2) Of SEBI (Issue Of Capital And Disclosure Requirements) Regulations 2018 Regarding Applications Submitted By Specific Investors Under The Rights IssueOct 24, 2025
Oct 24, 2025Intimation Pursuant To Regulation 77B(2) Of Securities Exchange Board Of India (Issue Of Capital And Disclosure Requirements) Regulations 2018 Regarding Applications Submitted By Specific Investors Under The Rights Issue.Oct 24, 2025
Oct 24, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 17, 2025
Oct 17, 2025Letter Of Offer For Right Issue Of Equity SharesOct 10, 2025
Oct 10, 2025Corporate Action - Fixes Record Date For Right IssueOct 08, 2025
Oct 08, 2025Announcement Under Regulation 30 (LODR) - Raising Of FundsOct 08, 2025
Oct 08, 2025Board Meeting Outcome for Outcome Of The Meeting Of The Board Of Directors Held On October 08 2025 Approving The Terms Of The Rights Issue.Oct 08, 2025
Oct 08, 2025Announcement Under Regulation 30 (LODR)- Raising Of FundsOct 07, 2025
Oct 07, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 06, 2025
Oct 06, 2025Business Updates For Quarter And Half Year Ended September 30 2025Oct 05, 2025
Oct 05, 2025Announcement under Regulation 30 (LODR)-Raising of FundsOct 02, 2025
Oct 02, 2025Board 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.Oct 01, 2025
Oct 01, 2025Corporate Action-Intimation of Right issueOct 01, 2025
Oct 01, 2025Announcement Under Regulation 30 (LODR)-Raising Of FundsOct 01, 2025
Oct 01, 2025Board Meeting Outcome for Outcome Of Meeting Of The Board Of Directors Held On October 01 2025Oct 01, 2025
Oct 01, 2025Sale Of NPA And Written Off Loans To ARCSep 30, 2025
Sep 30, 2025Board Meeting Intimation for Fund Raise Through Issuance Of Equity SharesSep 28, 2025
Sep 28, 2025Closure of Trading WindowSep 26, 2025
Sep 26, 2025Intimation 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, 2025Mutual 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 | 0.00% | -1819637 | -0.11% | -0.11% | |
| 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% | 0.00% | |
| 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% |
Technical Indicators
RSI(14)
Neutral 34.85
ATR(14)
Less Volatile 1.12
STOCH(9,6)
Neutral 29.87
STOCH RSI(14)
Oversold 0.07
MACD(12,26)
Bearish -0.43
ADX(14)
Strong Trend 28.31
UO(9)
Bearish 38.99
ROC(12)
Downtrend And Accelerating -12.09
WillR(14)
Oversold -88.17
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