Utkarsh Small Finance Bank

Utkarsh Small Finance Bank

18.40
-0.13
(-0.70%)
ann
Q1 Quarterly Results are out. Check out the updated financials2 days ago
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Key Fundamentals
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Market Cap
3,274.32 Cr
EPS
0.22
PE Ratio
-9.36
Dividend Yield
0.00 %
Industry
Banks
52 Week High
36.49
52 Week Low
16.89
PB Ratio
0.84
Debt to Equity
0.00
Analyst Rating and Forecast
- By Refinitiv from1 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's Board of Directors approved a rights issue of equity shares for up to ₹950 crores. The bank will issue up to 67.79 crore fully paid-up equity shares at ₹14 per share (including ₹4 premium) to eligible shareholders in an 8:13 ratio based on October 14, 2025 record date. The issue opens on October 24, 2025 and closes on November 3, 2025. Rights entitlements have been credited to eligible shareholders' demat accounts under ISIN INE735W20017. The promoter Utkarsh CoreInvest Limited will renounce its rights entitlements to specific investors. Issue materials were dispatched via email on October 16, 2025 to shareholders with Indian addresses.
negative
Utkarsh Small Finance Bank has set the price for its Rs 950 crore rights issue at Rs 14 per share, representing a 37.5% discount to Wednesday's closing price. The bank will issue approximately 68 crore equity shares with a face value of Rs 10, with the record date fixed for October 14. The promoter Utkarsh CoreInvest holds 68.92% stake, while institutional investors hold 13.14% and small investors own 17.94%. The stock closed at Rs 22.40 on BSE Wednesday, down 64% from its all-time high of Rs 62.75 in January 2024. The bank's share price has declined since April last year amid microfinance customer overindebtedness issues. The bank's gross non-performing assets ratio increased to 11.4% at the end of June from 2.8% a year earlier, resulting in a net loss of Rs 239 crore in the first quarter. Unsecured loans comprise about 55% of the bank's total portfolio of Rs 19,224 crore.
positive
Utkarsh Small Finance Bank's board has approved a rights issue valued at up to ₹950 crore. The bank has scheduled a meeting for October 08, 2025 to confirm the details of this rights issue.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
871.90
#1 65,034.87
29.55
1,446.00
19.10
#1 761
-1.80
67.69
51.91
10,055.76
23.47
7,200.60
11.40
726
-47.77
59.93
58.69
6,693.62
#1 -65.19
#1 7,223.20
14.93
147
-967.44
50.54
449.00
4,724.68
11.25
5,485.70
17.11
501
-22.44
34.26
18.40
#5 3,274.32
#2 -9.36
#4 4,364.80
#1 21.96
#7 24
#7 -274.31
44.20
148.78
1,581.38
20.03
2,171.00
20.07
115
-49.64
52.70
29.65
1,528.50
-2.26
4,329.30
1.62
-521
-229.30
34.85
280.30
1,269.37
9.43
994.50
15.32
132
#1 6.67
40.29
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
4,313
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

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 Dividend
₹ 0.50 /share
12 Jul 2024 49.91 42.51
22 Jul 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
22 Jul 2024 45.77 42.46
09 Nov 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
09 Nov 2024 34.95 34.69
14 Feb 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
14 Feb 2025 26.69 25.07
03 May 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
03 May 2025 21.39 21.01
02 Aug 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
02 Aug 2025 19.28 18.60
22 Aug 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
22 Aug 2025 18.80 18.19
14 Oct 2025 RIGHTS Rights
8:13
14 Oct 2025 18.51 19.70

Announcements

Announcement under Regulation 30 (LODR)-Newspaper Publication5 days ago
Letter Of Offer For Right Issue Of Equity SharesOct 10, 2025
Corporate Action - Fixes Record Date For Right IssueOct 08, 2025
Announcement Under Regulation 30 (LODR) - Raising Of FundsOct 08, 2025
Board 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
Announcement Under Regulation 30 (LODR)- Raising Of FundsOct 07, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 06, 2025
Business Updates For Quarter And Half Year Ended September 30 2025Oct 05, 2025
Announcement under Regulation 30 (LODR)-Raising of FundsOct 02, 2025
Board 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
Corporate Action-Intimation of Right issueOct 01, 2025
Announcement Under Regulation 30 (LODR)-Raising Of FundsOct 01, 2025
Board Meeting Outcome for Outcome Of Meeting Of The Board Of Directors Held On October 01 2025Oct 01, 2025
Sale Of NPA And Written Off Loans To ARCSep 30, 2025
Board Meeting Intimation for Fund Raise Through Issuance Of Equity SharesSep 28, 2025
Closure of Trading WindowSep 26, 2025
Intimation Of Extension Of Timeline In Schedule Of Analyst/Institutional Investor MeetingsSep 04, 2025
Certificate Of Compliance With Cyber Security Guidelines Issued By Reserve Bank Of India And SEBI Cybersecurity And Cyber Resilience Framework.Aug 30, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationAug 27, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 27, 2025
Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 22, 2025
Shareholder Meeting / Postal Ballot-Outcome of AGMAug 22, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 19, 2025
Announcement under Regulation 30 (LODR)-Credit RatingAug 13, 2025
Announcement under Regulation 30 (LODR)-Credit RatingAug 12, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAug 07, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 04, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 04, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationAug 02, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 02, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementAug 02, 2025
Un-Audited Financial Results For Quarter Ended June 30 2025Aug 02, 2025
Board Meeting Outcome for Outcome Of Board Meeting Held On August 02 2025Aug 02, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 01, 2025
Business Responsibility and Sustainability Reporting (BRSR)Jul 31, 2025
Notice Of The 9Th Annual General Meeting And Annual Report For FY 2024-25Jul 31, 2025
Reg. 34 (1) Annual Report.Jul 31, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 30, 2025
Board Meeting Intimation for Intimation Of Board Meeting Of Utkarsh Small Finance Bank Limited Scheduled To Be Held On August 02 2025.Jul 30, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 29, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateJul 21, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateJul 20, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementJul 15, 2025
Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotJul 14, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementJul 08, 2025
Announcement under Regulation 30 (LODR)-Scheme of ArrangementJul 07, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 05, 2025
Business Updates For Quarter Ended June 30 2025Jul 05, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateJul 01, 2025
Closure of Trading WindowJun 27, 2025

Technical Indicators

RSI(14)
Neutral
51.28
ATR(14)
Less Volatile
0.69
STOCH(9,6)
Neutral
27.20
STOCH RSI(14)
Neutral
26.99
MACD(12,26)
Bearish
-0.05
ADX(14)
Weak Trend
20.70
UO(9)
Bearish
45.58
ROC(12)
Downtrend And Accelerating
-1.59
WillR(14)
Neutral
-55.07