Utkarsh Small Finance Bank Limited

NSE: UTKARSHBNK · Unclassified

₹11.73+0.00%06 Nov 2026

Ask the data

Instant answers about Utkarsh Small Finance Bank Limited — computed from its filings, no language model

Market cap₹2,087 cr

Current price₹11.73

High / Low₹20 / ₹10

P/E—

P/B0.78

Book value₹15.0

ROE-24.9%

ROCE—

Debt / equity—

Dividend yield—

EPS (TTM)₹-3.75

Face value₹10

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

	FY24	FY25	FY26
Total income	3,579	4,365	3,810
Pre-provision op. profit	997	1,007	56
Operating margin	27.9%	23.1%	1.5%
Interest	1,293	1,742	1,902
Profit before tax	659	28	-1,507
Tax	162	4	-356
Net profit	498	24	-1,151
EPS ₹	4.79	0.22	-8.37
Operating cash flow	991	876	781
Capex	620	778	149
Dividend paid	0	55	0
Total assets	23,903	28,127	28,869
Equity	2,973	2,974	2,776

Quarterly performance

last 14 quarters · ₹ crore

showing latest 8 of 14 periods

	JUN '23†	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Total income	812	861	889	1,016	1,071	1,090	1,038	1,167	1,019	937	902	952	1,002	1,002
Pre-provision op. profit	221	238	256	282	311	276	185	234	92	-3	-44	12	64	85
Operating margin	27.2%	27.6%	28.8%	27.8%	29.1%	25.4%	17.8%	20.1%	9.0%	-0.4%	-4.9%	1.3%	6.3%	8.5%
Other income	92	105	83	121	105	103	105	287	138	97	81	115	119	93
Interest	298	315	324	356	393	429	452	468	479	490	473	461	461	474
Profit before tax	145	154	152	208	186	68	-238	11	-319	-465	-491	-232	-45	-81
Tax	37	40	36	49	49	17	-70	8	-79	-117	-116	-44	-11	-11
Net profit	108	114	116	160	137	51	-168	3	-239	-348	-375	-188	-34	-70
EPS ₹	1.20	1.17	1.14	1.45	1.25	0.47	-1.53	0.03	-2.17	-3.16	-2.46	-1.06	-0.19	-0.39
Revenue YoY	—	—	—	—	31.8%	26.5%	16.8%	14.8%	-4.8%	-14.0%	-13.1%	-18.4%	-1.6%	6.9%
Profit YoY	—	—	—	—	27.8%	-55.1%	-244.8%	-98.1%	-274.3%	-778.2%	—	-6430.6%	—	—

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 11 periods

	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
ROE	16.7%	17.7%	14.9%	5.8%	0.8%	-11.9%	-31.5%	-40.1%	-41.5%	-34.1%	-24.9%
Net margin	13.9%	13.7%	11.4%	4.3%	0.5%	-8.2%	-18.1%	-23.9%	-30.2%	-24.9%	-17.3%
EBITDA margin	27.9%	28.3%	27.7%	25.0%	23.1%	18.3%	12.2%	6.9%	1.5%	0.7%	3.0%
Asset turnover	0.15	0.16	0.15	0.16	0.16	0.15	0.15	0.15	0.13	0.13	0.13

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 7 periods

	SEP '23	MAR '24	SEP '24	MAR '25	SEP '25	MAR '26	SEP '26
Share capital	1,097	1,099	1,101	1,102	1,102	1,780	1,780
Reserves	1,590	1,874	2,024	1,873	1,292	996	897
Total equity	2,687	2,973	3,125	2,974	2,394	2,776	2,676
Deposits	13,965	17,473	19,496	21,566	21,447	21,654	23,869
Borrowings	1,902	1,995	1,998	2,355	1,958	2,829	1,938
Total assets	19,658	23,903	26,306	28,127	27,384	28,869	29,090
Advances	14,080	16,365	18,132	18,716	16,897	18,070	19,302
Investments	3,204	3,679	4,033	4,958	5,351	6,914	6,263
Fixed assets	300	312	323	387	417	458	455
Cash & bank balances	1,637	3,027	3,245	3,437	3,833	2,321	1,853

Cash flow

annual · ₹ crore · line = free cash flow

	FY24	FY25	FY26
Cash from operations	991	876	781
Cash from investing	-620	-777	-3,309
Cash from financing	140	310	1,412
Capex	620	778	149
Free cash flow	371	97	631
Dividends paid	0	55	0

Where the assets sit

Sep '26 · ₹ crore

Advances

₹19,302 cr66%

Investments

₹6,263 cr22%

Fixed assets

₹455 cr2%

Cash & bank

₹1,853 cr6%

Other assets

₹1,217 cr4%

Peer comparison

largest in Unclassified · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
Avantel Limited	36,86,04,549	138.69	—	1059360.68	0.0%
Ducol Organics And Colours Limited	19,55,275	120.00	—	20089.13	0.0%
Jio Platforms Limited	12,57,181	1,406.40	—	3.57	—
SBI Funds Management Limited	1,01,750	499.55	—	—	—
Tamilnadu Telecommunication Limited	91,314	9.93	—	—	—
Manipal Health Enterprises Limited	76,294	646.70	—	—	—
INDO-MIM Limited	59,042	1,219.50	—	—	—
AvenuesAI Limited	45,138	129.25	153.6	9.51	6.2%
Dhoot Transmission Limited	32,761	1,601.60	—	8.11	—
3M India Limited	31,071	27,570.00	53.8	17.57	32.7%
Utkarsh Small Finance Bank Limited	2,087	11.73	—	0.78	-24.9%

StoxGud checklist: Bearish setup · 1/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month-16.1%

6 months-24.6%

1 year-42.6%

3Y CAGR-39.0%

5Y CAGR—

10Y CAGR—

50-day avg₹13.57

200-day avg₹13.69

RSI (14)28

FAQs

What is the share price of Utkarsh Small Finance Bank Limited?

Utkarsh Small Finance Bank Limited (UTKARSHBNK) closed at ₹11.73 on NSE on 06 Nov 2026.

What is the market cap of Utkarsh Small Finance Bank Limited?

₹2,087 crore at the latest close.

How fast is Utkarsh Small Finance Bank Limited growing?

Utkarsh Small Finance Bank Limited: Latest-quarter revenue is up 6.9% year on year.

How profitable is Utkarsh Small Finance Bank Limited?

On a trailing-twelve-month basis return on equity is -24.9%, operating margin 3.0%, net margin -17.3%.

How much debt does Utkarsh Small Finance Bank Limited have?

Debt to equity isn't meaningful for Utkarsh Small Finance Bank Limited (banks borrow as part of their business) or isn't filed yet.

Financials parsed from Utkarsh Small Finance Bank Limited's own XBRL filings to NSE (standalone), ₹ crore unless marked. Quarterly from JUN '23, annual from FY24, balance sheet from Sep '23. * = derived (full year or half year minus earlier quarters). † = the company's standalone results as published on BSE, used for quarters before SEP '23 (full years marked † are summed from them); cross-checked against the NSE filings where both exist. Information only, not investment advice.