Utkarsh Small Finance Bank Ltd
UTKARSHBNK NSE
Utkarsh Small Finance Bank Ltd
Financial ServicesNSE: UTKARSHBNK BSE: 543942 Banks
Key Fundamentals
MicrocapSmall Finance BankBanksMarket Cap
₹2,507 Cr
Volatility
Moderate
P/E Ratio
-2.7
EBITDA
₹-1,429 Cr
Return on Equity
-41.47%
Debt to Equity
0
Book Value
₹15.6
EPS
₹4.79
52W High
₹22.03
52W Low
₹10.12
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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53 extracted metrics + investor summaries across FY18–FY26.
Tapetide Score
Data-driven rating, 0–100. How it works →
Technical Indicators
Key Insights
Strengths
1- Stock is trading at 0.90 times its book value
Weaknesses
3- Company has low interest coverage ratio.
- Company has a low return on equity of -7.56% over last 3 years.
- Earnings include an other income of Rs.412 Cr.
Growth Rate
Revenue Growth
-12.72% ↘
Net Income Growth
-4956.54% ↘
Cash Flow Change
-10.84% ↘
ROE
-5283.75% ↘
ROCE
-78.22% ↘
EBITDA Margin (Avg.)
-70.66% ↘
Quarterly Results
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 720 | 756 | 806 | 896 | 966 | 987 | 932 | 880 | 881 | 840 | 821 | 837 | 884 |
| 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 |
| Fin. 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 |
| Interest | 298 | 315 | 324 | 356 | 393 | 429 | 452 | 468 | 479 | 490 | 473 | 461 | 461 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 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 | 0.9 | 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% | 2.5% | 4.84% | 5% | 5.02% | 4.48% | 3.29% | 2.86% |
Profit & Loss
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 519 | 881 | 1,308 | 1,581 | 1,849 | 2,505 | 3,178 | 3,765 | 3,379 | 3,381 |
| Expenses | 374 | 392 | 551 | 783 | 1,125 | 1,234 | 1,561 | 2,518 | 3,337 | 3,142 |
| Financing Profit | -106 | 107 | 177 | 56 | -64 | 295 | 324 | -496 | -1,860 | -1,645 |
| Fin. Margin % | -20% | 12% | 14% | 4% | -3% | 12% | 10% | -13% | -55% | -49% |
| Other Income | 43 | 58 | 99 | 125 | 185 | 299 | 400 | 600 | 431 | 412 |
| Interest | 251 | 382 | 579 | 742 | 788 | 976 | 1,293 | 1,742 | 1,902 | 1,884 |
| Depreciation | 0 | 16 | 25 | 30 | 41 | 59 | 65 | 77 | 77 | 0 |
| PBT | -63 | 149 | 250 | 151 | 80 | 536 | 659 | 28 | -1,507 | -1,233 |
| Tax % | 0% | 37% | 25% | 26% | 23% | 25% | 25% | 14% | -24% | — |
| Net Profit | -63 | 94 | 187 | 112 | 61 | 404 | 498 | 24 | -1,151 | -945 |
| EPS in Rs | -0.83 | 0.79 | 1.52 | 0.82 | 0.42 | 2.8 | 2.8 | 0.13 | -6.47 | -5.32 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 11% | 0% | 0% | — |
Balance Sheet
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 470 | 737 | 759 | 848 | 896 | 896 | 1,099 | 1,102 | 1,780 |
| Reserves | -58 | 36 | 260 | 520 | 677 | 1,104 | 1,874 | 1,873 | 996 |
| Borrowing | 1,789 | 1,280 | 2,675 | 2,608 | 2,572 | 2,349 | 1,995 | 2,355 | 2,829 |
| Deposits | 2,194 | 3,941 | 5,235 | 7,508 | 10,074 | 13,710 | 17,473 | 21,566 | 21,654 |
| Other Liabilities | 129 | 245 | 475 | 654 | 845 | 1,057 | 1,462 | 1,232 | 1,610 |
| Total Liabilities | 4,524 | 6,239 | 9,404 | 12,138 | 15,064 | 19,117 | 23,903 | 28,127 | 28,869 |
| Fixed Assets | 87 | 87 | 110 | 125 | 286 | 301 | 301 | 324 | 333 |
| CWIP | 0 | 3 | 22 | 56 | 1 | 2 | 10 | 63 | 125 |
| Investments | 661 | 862 | 1,192 | 2,314 | 2,348 | 2,859 | 3,679 | 4,958 | 6,914 |
| Other Assets | 3,775 | 5,287 | 8,081 | 9,643 | 12,429 | 15,955 | 19,912 | 22,783 | 21,497 |
| Total Assets | 4,524 | 6,239 | 9,404 | 12,138 | 15,064 | 19,117 | 23,903 | 28,127 | 28,869 |
Cash Flow
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Operating | — | 211 | 115 | -83 | 1,329 | 1,573 | 991 | 876 | 781 |
| Investing | — | -171 | -322 | -532 | -739 | -693 | -620 | -777 | -3,309 |
| Financing | — | -92 | 1,304 | 172 | 111 | -235 | 140 | 310 | 1,412 |
| Net Cash Flow | — | -52 | 1,097 | -444 | 702 | 645 | 511 | 409 | -1,115 |
| Free Cash Flow | — | 194 | 70 | -163 | 1,183 | 1,498 | 921 | 718 | 638 |
| CFO/OP | — | 44 | 27 | 2 | 191 | 129 | 65 | 61 | 1,876 |
Ratios
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | -15% | 16% | 21% | 9% | 4% | 23% | 20% | 1% | -40% |
Documents
1
Announcement under Regulation 30 (LODR)-Newspaper Publication
11h - Newspaper Publication of financial results for the financial year ended March 31, 2026. 11h - Newspaper Publication of financial results for the financial year ended March 31, 2026.
2
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
8h - Audio recording of May 11, 2026 earnings call for FY2026 audited results available on bank website. 8h - Audio recording of May 11, 2026 earnings call for FY2026 audited results available on bank website.
3
Announcement under Regulation 30 (LODR)-Press Release / Media Release
1d - Utkarsh Small Finance Bank reported Q4 FY26 net loss of ₹188 crore and FY26 loss of ₹1,151 crore. 1d - Utkarsh Small Finance Bank reported Q4 FY26 net loss of ₹188 crore and FY26 loss of ₹1,151 crore.
4
Announcement under Regulation 30 (LODR)-Change in Directorate
1d - Utkarsh Bank reported FY26 audited net loss of ₹1,15,097.84 lakh; board approved director and senior management appointments. 1d - Utkarsh Bank reported FY26 audited net loss of ₹1,15,097.84 lakh; board approved director and senior management appointments.
Frequently Asked Questions about Utkarsh Small Finance Bank Ltd
What does Utkarsh Small Finance Bank Ltd do?
Incorporated in 2016, Utkarsh Small Finance Bank is engaged in providing banking and financial services.[1]
Where is Utkarsh Small Finance Bank Ltd (UTKARSHBNK) listed?
Utkarsh Small Finance Bank Ltd is listed on the Indian stock exchanges. It is listed on NSE: UTKARSHBNK and BSE: 543942. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Utkarsh Small Finance Bank Ltd belong to?
Utkarsh Small Finance Bank Ltd operates in the Financial Services sector within the Banks industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Utkarsh Small Finance Bank Ltd?
Utkarsh Small Finance Bank Ltd has a market capitalisation of approximately ₹2507.35 Cr. Based on this, it is classified as a Small Cap stock.
What is the PE ratio of Utkarsh Small Finance Bank Ltd?
The Price-to-Earnings (PE) ratio of Utkarsh Small Finance Bank Ltd is -2.70. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Utkarsh Small Finance Bank Ltd?
Over the past 52 weeks, Utkarsh Small Finance Bank Ltd has traded between a low of ₹10.12 and a high of ₹22.03. This range helps investors understand the stock's price volatility and recent trading levels.
Does Utkarsh Small Finance Bank Ltd pay dividends?
Yes, Utkarsh Small Finance Bank Ltd has a dividend yield of 3.51%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Utkarsh Small Finance Bank Ltd?
Utkarsh Small Finance Bank Ltd has a Return on Equity (ROE) of -41.47%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Utkarsh Small Finance Bank Ltd on Tapetide?
On Tapetide, you can view Utkarsh Small Finance Bank Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.
Company Information
Incorporated in 2016, Utkarsh Small Finance Bank is engaged in providing banking and financial services.[1]