UT
Utkarsh Small Finance Bank Ltd (UTKARSHBNK)
₹13.43
Mkt cap
₹2,522 Cr
P/E ratio
—
P/B
0.86
Div yield
0.00%
ROE
−40.00%
ROCE
1.46%
EPS (TTM)
—
Book value
₹16
52W range
10–22
Sector
Financial Services
Price history
Previous close
Incorporated in 2016, Utkarsh Small Finance Bank is engaged in providing banking and financial services. [1]
NSE UTKARSHBNKBSE 543942
Health check
Cautious
ProfitabilityWeak
TechnicalsNeutral
52-week range
−39.04% from high₹13
₹10+32.71% from low₹22
Current
₹13.43
Prev close
₹13.76
Day
−2.40%
Price performance
1D
−2.03%
1W
−2.74%
1M
−9.41%
3M
−10.55%
6M
+31.90%
1Y
−27.37%
YTD
−12.39%
Financials
Revenue, profit & margin
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 720 | 756 | 806 | 896 | 966 | 987 | 932 | 880 | 881 | 840 | 821 | 837 | 884 | |
| Interest | 298 | 315 | 324 | 356 | 393 | 429 | 452 | 468 | 479 | 490 | 473 | 461 | 461 | |
| Expenses | 369 | 392 | 413 | 452 | 492 | 593 | 824 | 687 | 858 | 913 | 920 | 724 | 586 | |
| Financing Profit | 53 | 49 | 69 | 88 | 82 | -35 | -343 | -276 | -457 | -562 | -571 | -347 | -164 | |
| Financing Margin % | 7% | 7% | 9% | 10% | 8% | -4% | -37% | -31% | -52% | -67% | -70% | -42% | -19% | |
| Other Income | 92 | 105 | 83 | 121 | 105 | 103 | 105 | 287 | 138 | 97 | 81 | 115 | 119 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Profit before tax | 145 | 154 | 152 | 208 | 186 | 68 | -238 | 11 | -319 | -465 | -491 | -232 | -45 | |
| Tax % | 26% | 26% | 24% | 23% | 26% | 24% | -29% | 74% | -25% | -25% | -24% | -19% | -25% | |
| Net Profit | 108 | 114 | 116 | 160 | 137 | 51 | -168 | 3 | -239 | -348 | -375 | -188 | -34 | |
| EPS in Rs | 0.74 | 0.65 | 0.65 | 0.90 | 0.77 | 0.29 | -0.94 | 0.02 | -1.35 | -1.96 | -2.11 | -1.06 | -0.19 | |
| Gross NPA % | 3.13% | 2.81% | 3.04% | 2.51% | 2.78% | 3.88% | 6.17% | 9.43% | 11.42% | 12.42% | 11.05% | 7.71% | 6.09% | |
| Net NPA % | 0.33% | 0.16% | 0.19% | 0.03% | 0.26% | 0.89% | 2.50% | 4.84% | 5.00% | 5.02% | 4.48% | 3.29% | 2.86% | |
| Raw PDF |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −0.41% · closed higher next day 0 of last 1
| Q1FY27 | |
|---|---|
| Broadcast | 1 Aug '26◦ |
| Earnings day | −0.41% |
| +1 day | −0.55% |
| +5 days | −4.10% |
| +15 days | +0.48% |
| +30 days | −2.87% |
| Filing | XBRL |
Corporate actions
Last 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
as of Jun 202642.67%Promoter
Promoters42.67%
FIIs11.90%0.41
DIIs9.54%0.02
Public35.88%0.39
Government0.02%
Ownership trend
Peers
7 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| AU Small Finance | ₹1,058.60 | 27.82 | 79,456 | 0.09% | 796 | +37.03% | 5,303 | +21.11% | 7.66% |
| Ujjivan Small | ₹65.02 | 13.98 | 12,669 | 0.00% | 317 | +206.67% | 2,025 | +25.08% | 7.73% |
| Equitas Sma. Fin | ₹74.09 | 16.61 | 8,477 | 0.00% | 184 | +182.06% | 1,960 | +18.89% | 6.43% |
| Jana Small Finan | ₹527.30 | 14.68 | 5,576 | 0.00% | 155 | +52.29% | 1,515 | +22.08% | 7.45% |
| Utkarsh Small F. | ₹14.17 | — | 2,522 | 0.00% | −34 | +85.84% | 884 | +0.30% | 1.46% |
| ESAF Small Fin | ₹39.19 | — | 2,023 | 0.00% | 80 | +198.60% | 1,098 | +32.54% | 5.65% |
| Suryoday Small | ₹146.63 | 8.12 | 1,559 | 1.02% | 75 | +113.10% | 622 | +25.69% | 7.33% |
| Median: 9 Co. | ₹135.48 | 14.68 | 2,522 | 0.00% | 80 | +85.84% | 1,098 | +21.11% | 7.07% |
Filings
Annual reports3
Concall transcripts40
TranscriptAug 2024TranscriptAug 2026PPTAug 2026RECAug 2026TranscriptMay 2026PPTMay 2026RECMay 2026TranscriptFeb 2026PPTFeb 2026RECFeb 2026TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptAug 2025PPTAug 2025RECAug 2025PPTAug 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptFeb 2025PPTFeb 2025RECFeb 2025TranscriptNov 2024
Credit ratings6
Announcements5
Board Meeting Outcome for Outcome Of The Board Meeting Held On Saturday, September 19, 2026 19 Sep - Utkarsh Small Finance Bank appoints Manmohan Shetty as CFO and KMP effective September 19, 2026.Announcement under Regulation 30 (LODR)-Change in Management 19 Sep - Utkarsh Small Finance Bank appointed Mr. Manmohan Shetty as CFO and KMP effective September 19, 2026.Approval Of Issue Documents For Ncds 11 Sep - Board committee approved up to ₹300 crore Tier II NCD issuance at up to 11.75%.Announcement under Regulation 30 (LODR)-Credit Rating 3 Sep - CARE assigned A- Stable rating to proposed ₹500 crore Tier II bonds; reaffirmed existing ₹200 crore bonds.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 1 Sep