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Utkarsh Small Finance Bank Ltd is a IN-based company operating in Banks industry. The company is headquartered in Varanasi, Uttar Pradesh. The company went IPO on 2023-07-21. Utkarsh Small Finance Bank Limited (the Bank) is an India-based small finance bank. The Bank is engaged in providing banking and financial services. The Bank’s product portfolio includes asset products that it advances to customers located primarily in unbanked and underbanked areas and liability products in the form of deposits that it sources from customers across regions. Its segments include Corporate/ Wholesale Banking, Retail Banking, Treasury and Other Banking Operations. Its Corporate/ Wholesale Banking segment includes lending, deposits and other banking services provided to corporate customers of the Bank. Its Retail Banking segment includes lending, deposits and other banking services provided to retail customers of the Bank through a branch network. Its Treasury segment includes dealings in statutory liquidity ratio (SLR) and non-SLR investments, maintenance of reserve requirements and resource mobilization from other banks and financial institutions.
Nothing flagged for monitoring
No significant strengths identified from available data
“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹1,477 Cr on total income of ₹4,211 Cr.
Cost-to-income ratio at 97.0%. Provision coverage at 37.1% of income.
“loss of INR $3.”
“around 15% of tier one, around 17.”
“next two to three years, the bank targets loan growth of 25 to 30% with a well diversified portfolio with secured lending comprising more than 50%.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | -41.5%▼ | 11.5% |
| Net Margin | -27.3%▼ | 12.1% |
| EBITDA Margin | 10.4%▼ | 67.3% |
| Debt To Equity | 7.80x▼ | 8.01x |
| NIM | 8.2%▼ | 390.0% |
| Cost To Income | 97.0% | - |
| Credit Deposit Ratio | 83.40x | 83.00x |
Historical valuation data not available.
| (₹ Cr) | TTM | FY2025 | FY2024 |
|---|---|---|---|
| Interest on Advances | ₹2,846 Cr -14.7% | ₹3,337 Cr +15.9% | ₹2,880 Cr |
| Income on Investments | ₹402 Cr +44.5% | ₹278 Cr +32.8% | ₹209 Cr |
| ₹431 Cr -28.2% | ₹600 Cr +49.8% | ₹400 Cr | |
| Total Income | ₹3,810 Cr -12.7% | ₹4,365 Cr +22.0% | ₹3,579 Cr |
| Interest Expended | ₹1,902 Cr +9.2% | ₹1,742 Cr +34.8% | ₹1,293 Cr |
| Employee Cost | ₹948 Cr +12.1% | ₹846 Cr +14.7% | ₹737 Cr |
| Other Operating Expenses | ₹903 Cr +17.3% | ₹770 Cr +39.5% | ₹552 Cr |
| Provisions & Contingencies | ₹1,563 Cr +59.6% | ₹979 Cr +189.8% | ₹338 Cr |
| Total Expenditure | ₹3,753 Cr +11.8% | ₹3,358 Cr +30.1% | ₹2,582 Cr |
| Profit Before Tax | (₹1,507 Cr) ↓ Decline | ₹28 Cr -95.8% | ₹659 Cr |
| Tax | (₹356 Cr) ↓ Decline | ₹4 Cr -97.6% | ₹162 Cr |
| Net Profit | (₹1,151 Cr) ↓ Decline | ₹24 Cr -95.2% | ₹498 Cr |
| EPS | (₹6.47) | ₹0.13 | ₹2.80 |
| Diluted Shares | ₹178 Cr | ₹178 Cr | ₹178 Cr |
| Other Interest | ₹0.01 Cr +3.0% | ₹0.01 Cr -55.2% | ₹0.02 Cr |
| Non Performing Assets | ₹594 Cr -34.4% | ₹905 Cr | ₹4 Cr |
| Gross Non Performing Assets | ₹1,460 Cr -21.3% | ₹1,854 Cr +344.1% | ₹418 Cr |
| Interest (RBI & Others) | ₹131 Cr -12.4% | ₹150 Cr +68.5% | ₹89 Cr |
No related party data available for this company.
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Utkarsh Small Finance Bank Limited has informed the Exchange about Investor Presentation
Utkarsh Small Finance Bank Limited has informed the Exchange regarding a press release dated August 01, 2026, titled "Unaudited Financial Results for the quarter ended June 30, 2026".
Utkarsh Small Finance Bank Limited has submitted to the Exchange, the financial results for the period ended June 30, 2026.
Utkarsh Small Finance Bank Limited has informed the Exchange about Schedule of meet
Utkarsh Small Finance Bank Limited has informed the Exchange about Call option Notice for ISIN: INE735W08038
Utkarsh Small Finance Bank Limited has informed the Exchange regarding Outcome of Board Meeting held on July 21, 2026.
Utkarsh Small Finance Bank Limited has informed the Exchange about Credit Rating
Utkarsh Small Finance Bank Limited has informed the Exchange about Copy of Newspaper Publication
Utkarsh Small Finance Bank Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on August 04, 2026
Utkarsh Small Finance Bank Limited has informed the Exchange about Copy of Newspaper Publication
Utkarsh Small Finance Bank Limited has informed the Exchange about Intimation under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (SEBI listing regulations)
Utkarsh Small Finance Bank Limited has informed the Exchange about General Updates with respect to newspaper advertisement of the proposal for the sale of NPA andwritten-off loans to ARC
Utkarsh CoreInvest Limited has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Reg...
Utkarsh Small Finance Bank Limited has informed the Exchange about General Updates
Utkarsh Small Finance Bank Limited has informed the Exchange about Transcript of Earnings Call held on May 11, 2026.