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Utkarsh Small Finance Bank Ltd

UTKARSHBNK Share Price

16.060.12% (+0.02)
High
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1D
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SIP
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1D
1W
1M
1Y
5Y
Max
SIP
Financials
Diversified Financials

Small Finance

Smallcap

With a market cap of ₹2,854 cr, stock is ranked 1,014

High Risk

Stock is 3.70x as volatile as Nifty

UTKARSHBNK Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

High

Showing good signs of profitability & efficiency

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

Financials
Diversified Financials

Small Finance

Smallcap

With a market cap of ₹2,854 cr, stock is ranked 1,014

High Risk

Stock is 3.70x as volatile as Nifty

UTKARSHBNK Performance & Key Metrics

UTKARSHBNK Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
-3.790.96—
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.902.430.98%

UTKARSHBNK Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
100%
Analysts have suggested that investors can buy this stock

from 2 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

UTKARSHBNK Company Profile

Utkarsh Small Finance Bank Ltd is an India-based small finance bank providing banking and financial services focused on microfinance for underserved sections, with operations in rural and semi-urban areas.

Investor Presentation

View older View older 

Nov 14, 2025

PDF
View Older Presentations

UTKARSHBNK Similar Stocks (Peers)

Compare with peers Compare with peers 

UTKARSHBNK Similar Stocks (Peers)

Compare with peers Compare with peers 
Aditya Birla Capital Ltd
ABCAPITAL
PE Ratio
27.42
27.42
1Y Return
75.65%
75.65%
Buy Reco %
100.00
100.00
Motilal Oswal Financial Services Ltd
MOTILALOFS
PE Ratio
22.00
22.00
1Y Return
3.86%
3.86%
Buy Reco %
100.00
100.00
Authum Investment & Infrastructure Ltd
AIIL
PE Ratio
10.76
10.76
1Y Return
63.02%
63.02%
Buy Reco %
0.00
0.00
Cholamandalam Financial Holdings Ltd
CHOLAHLDNG
PE Ratio
16.26
16.26
1Y Return
19.76%
19.76%
Buy Reco %
100.00
100.00
Nuvama Wealth Management Ltd
NUVAMA
PE Ratio
26.10
26.10
1Y Return
4.99%
4.99%
Buy Reco %
100.00
100.00
Compare with Peers

UTKARSHBNK Sentiment Analysis

UTKARSHBNK Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

UTKARSHBNK Stock Summary · November 2025

The bank's recent financial performance reflects a strategic pivot towards consolidating its branch network and enhancing operational efficiency amid regulatory challenges and high employee attrition. With a focus on secured lending, the bank anticipates a blended growth rate of approximately 25% by FY '27 or FY '28, driven by scaling existing products like property-backed loans. Despite facing pressures in the microfinance sector, particularly in Uttar Pradesh and Bihar, collection efficiency is improving, supported by a dedicated collections team. The implementation of the CGFMU scheme further strengthens risk management, allowing for significant loss coverage and stabilizing the portfolio. Overall, while challenges remain, the bank is optimistic about its trajectory towards improved asset quality and profitability.

UTKARSHBNK Stock Growth Drivers
UTKARSHBNK Stock Growth Drivers
6
  • Strengthened Loan Portfolio and Asset Quality

    Utkarsh Small Finance Bank has achieved significant growth in its secured loan portfolio, increasing from

  • Operational Efficiency and Customer Engagement

    The bank has enhanced its operational efficiency by increasing its collection workforce from 400 to

UTKARSHBNK Stock Challenges
UTKARSHBNK Stock Challenges
6
  • Decline in Loan Portfolio

    Utkarsh Small Finance Bank has experienced a 2.3% year-on-year contraction in its overall gross loan

  • Challenges in Microfinance Disbursements

    The bank faces challenges in microfinance disbursements, with a reported 20%-25% decrease in the overall

UTKARSHBNK Forecast

UTKARSHBNK Forecasts

Price

Revenue

Earnings

UTKARSHBNK Share Price Forecast

UTKARSHBNK Share Price Forecast

2025
Current
₹16.04
Baseline
Forecast for Dec 2026
High
₹—
Median
₹—
Low
₹—

All values in ₹

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2025
Current
₹16.04
Baseline
Forecast for Dec 2026
High
₹—
Median
₹—
Low
₹—

All values in ₹

UTKARSHBNK Company Revenue Forecast

UTKARSHBNK Company Revenue Forecast

2025
Current
₹4.36
Baseline
Forecast for Mar 2026
High
₹—
Median
₹—
Low
₹—

All values in ₹ Thousand cr.

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2025
Current
₹4.36
Baseline
Forecast for Mar 2026
High
₹—
Median
₹—
Low
₹—

All values in ₹ Thousand cr.

UTKARSHBNK Stock EPS (Earnings Per Share) Forecast

UTKARSHBNK Stock EPS (Earnings Per Share) Forecast

2025
Current
₹0.18
Baseline
Forecast for Mar 2026
High
₹—
Median
₹—
Low
₹—

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2025
Current
₹0.18
Baseline
Forecast for Mar 2026
High
₹—
Median
₹—
Low
₹—

All values in ₹

UTKARSHBNK

UTKARSHBNK

Income

Balance Sheet

Cash Flow

UTKARSHBNK Income Statement

UTKARSHBNK Income Statement

Industry refers to the sub-sector this company belongs to.
Higher than Industry Revenue Growth
A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 25.42%, vs industry avg of 11.89%

Increasing Market Share
Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 1.39% to 3.08%

Lower than Industry Net Income
Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of -33.83%, vs industry avg of 57.1%

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Financial YearFY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue90.21561.86939.091,406.251,705.842,033.642,804.293,578.754,364.764,160.62
Raw Materialssubtract—————————5,171.14
Power & Fuel Costsubtract—————————
Employee Costsubtract20.74126.58186.57262.16326.20429.83570.06736.95845.60
Selling & Administrative Expensessubtract5.4031.9961.8792.2784.84119.28162.51195.95229.22
Operating & Other expensessubtract56.12481.73525.54775.981,113.781,363.941,477.261,921.193,185.72
Depreciation/Amortizationsubtract1.4116.3716.2925.4129.5840.8858.6665.2776.57—
Interest & Other Itemssubtract——————————
Taxes & Other Itemssubtract1.69-31.7954.9263.6739.6218.25131.31161.763.95-257.48
EPS0.14-1.391.322.121.180.603.834.240.18-5.80
DPS0.000.000.000.000.000.000.000.420.000.00
Payout ratio0.000.000.000.000.000.000.000.100.000.00
See Costs

EPS and DPS in ₹. Other numbers except Payout Ratio in ₹ cr

UTKARSHBNK Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2026FY 2026

Annual Report Pending

Investor Presentation

Nov 14PDF
Aug 2PDF
FY 2025FY 2025

Annual report

PDF

Investor Presentation

May 3PDF
Feb 14PDF
FY 2024FY 2024

Annual report

PDF
 

UTKARSHBNK Stock Peers

UTKARSHBNK Past Performance & Peer Comparison

UTKARSHBNK Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsDiversified Financials

Valuation

Technical

Forecast

ScreenerCompare valuation on Screener

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Utkarsh Small Finance Bank Ltd120.440.96—
Aditya Birla Capital Ltd27.422.82—
Motilal Oswal Financial Services Ltd22.004.950.54%
Authum Investment & Infrastructure Ltd10.763.110.03%

UTKARSHBNK Stock Price Comparison

Compare UTKARSHBNK with any stock or ETF
Compare UTKARSHBNK with any stock or ETF
UTKARSHBNK
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UTKARSHBNK Holdings

UTKARSHBNK Shareholdings

UTKARSHBNK Promoter Holdings Trend

UTKARSHBNK Promoter Holdings Trend

Decreased Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has decreased by 26.26%

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

UTKARSHBNK Institutional Holdings Trend

UTKARSHBNK Institutional Holdings Trend

Decreased Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has decreased by 2.87%

Increased Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has increased by 11.39%

Tickertape Separator

UTKARSHBNK Shareholding Pattern

UTKARSHBNK Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding42.67%0.71%9.99%13.07%33.56%

Mar 2025

Jun 2025

Sep 2025

Nov 2025

UTKARSHBNK Shareholding History

UTKARSHBNK Shareholding History

SepDec '24MarJunSepNov0.99%1.34%0.99%1.85%1.68%13.07%

Mutual Funds Invested in UTKARSHBNK

Mutual Funds Invested in UTKARSHBNK

No mutual funds holding trends are available

Top 2 Mutual Funds holding Utkarsh Small Finance Bank Ltd

Funds (Top 2)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
Motilal Oswal BSE 1000 Index Fund - Direct Plan - Growth

Growth
0.0001%0.00%-0.00%1023/1023 (-9)
ADITYA BIRLA SUN LIFE BANKING AND FIN SERV FD-DIR PL-GROWTH

Growth
0.0000%0.00%-0.11%44/45 (-5)

Compare 3-month MF holding change on Screener

UTKARSHBNK Insider Trades & Bulk Stock Deals

UTKARSHBNK Insider Trades & Bulk Stock Deals

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smallcases containing UTKARSHBNK stock

smallcases containing UTKARSHBNK stock

Looks like this stock is not in any smallcase yet.

UTKARSHBNK Events

UTKARSHBNK Events

UTKARSHBNK Dividend Trend

No dividend trend available

Dividends

Corp. Actions

Announcements

Legal Orders

UTKARSHBNK Dividend Trend

No dividend trend available

UTKARSHBNK Upcoming Dividends

UTKARSHBNK Upcoming Dividends

No upcoming dividends are available

UTKARSHBNK Past Dividends

UTKARSHBNK Past Dividends

Cash Dividend

Ex DateEx DateJul 12, 2024

Final
Final | Div/Share: ₹0.50

Dividend/Share

₹0.50

Ex DateEx Date

Jul 12, 2024

UTKARSHBNK Stock News & Opinions

UTKARSHBNK Stock News & Opinions

Earnings
Utkarsh Small Finance Bank reports standalone net loss of Rs 348.46 crore in the September 2025 quarter

Net loss of Utkarsh Small Finance Bank reported to Rs 348.46 crore in the quarter ended September 2025 as against net profit of Rs 51.39 crore during the previous quarter ended September 2024. Total Operating Income declined 14.89% to Rs 839.97 crore in the quarter ended September 2025 as against Rs 986.95 crore during the previous quarter ended September 2024. ParticularsQuarter EndedSep. 2025Sep. 2024% Var. Total Operating Income839.97986.95 -15 OPM %-8.6739.95 - PBDT-464.9768.07 PL PBT-464.9768.07 PL NP-348.4651.39 PL Powered by Capital Market - Live

1 week agoCapital Market - Live
Corporate
Utkarsh Small Finance Bank to declare Quarterly Results

Utkarsh Small Finance Bank will hold a meeting of the Board of Directors of the Company on 14 November 2025.Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Corporate
Utkarsh Small Finance Bank fixes record date for rights issue

Utkarsh Small Finance Bank has fixed 14 October 2025 as record date for rights issue. Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Utkarsh Small Finance Bank approves terms of proposed rights issue

The board of Utkarsh Small Finance Bank at its meeting held on 08 October 2025 has approved the terms of proposed rights issue: Total number of shares and issue size - 67,79,13,784 equity shares of Rs 10 each aggregating to Rs 949.07 crore Rights issue price - Rs 14 per equity share (including premium of Rs 4 per share) Rights entitlement ratio - 8:13 Record date - 14 October 2025 Rights issue opening date - 24 October 2025 Rights issue closing date - 03 November 2025 Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Utkarsh Small Finance Bank to conduct board meeting

Utkarsh Small Finance Bank will hold a meeting of the Board of Directors of the Company on 8 October 2025.Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Utkarsh Small Finance Bank to hold board meeting

Utkarsh Small Finance Bank will hold a meeting of the Board of Directors of the Company on 1 October 2025.Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Utkarsh Small Finance Bank receives downgrade in rating of subordinated debt

Utkarsh Small Finance Bank has been assigned credit ratings by ICRA as under: Subordinated debt (Rs 400 crore) - ICRA A; Negative (downgraded from ICRA A+; Negative) Certificate of deposits (Rs 1000 crore) - ICRA A1+ (reaffirmed) Powered by Capital Market - Live

3 months agoCapital Market - Live
Earnings
Utkarsh Small Finance Bank reports standalone net loss of Rs 239.48 crore in the June 2025 quarter

Net loss of Utkarsh Small Finance Bank reported to Rs 239.48 crore in the quarter ended June 2025 as against net profit of Rs 137.40 crore during the previous quarter ended June 2024. Total Operating Income declined 8.80% to Rs 880.91 crore in the quarter ended June 2025 as against Rs 965.92 crore during the previous quarter ended June 2024. ParticularsQuarter EndedJun. 2025Jun. 2024% Var. Total Operating Income880.91965.92 -9 OPM %2.5549.11 - PBDT-318.87186.24 PL PBT-318.87186.24 PL NP-239.48137.40 PL Powered by Capital Market - Live

4 months agoCapital Market - Live
Corporate
Utkarsh Small Finance Bank AGM scheduled

Utkarsh Small Finance Bank announced that the 9th Annual General Meeting(AGM) of the bank will be held on 22 August 2025.Powered by Capital Market - Live

4 months agoCapital Market - Live
Corporate
Utkarsh Small Finance Bank to discuss results

Utkarsh Small Finance Bank will hold a meeting of the Board of Directors of the Company on 2 August 2025.Powered by Capital Market - Live

4 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. What is the share price of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) today?

    The share price of UTKARSHBNK as on 5th December 2025 is ₹16.06. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on Utkarsh Small Finance Bank Ltd (UTKARSHBNK) share?

    The past returns of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) share are
    • Past 1 week: -2.75%
    • Past 1 month: -19.28%
    • Past 3 months: -11.87%
    • Past 6 months: -18.99%
    • Past 1 year: -47.36%
    • Past 3 years: N/A%
    • Past 5 years: -60.64%

  3. What are the peers or stocks similar to Utkarsh Small Finance Bank Ltd (UTKARSHBNK)?

    The peers or stocks similar to Utkarsh Small Finance Bank Ltd (UTKARSHBNK) include:

  4. What is the market cap of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) share?

    Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) is ₹2854.36 Cr as of 5th December 2025.

  5. What is the 52 week high and low of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) share?

    The 52-week high of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) is ₹33.45 and the 52-week low is ₹15.35.

  6. What is the PE and PB ratio of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) stock?

    The P/E (price-to-earnings) ratio of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) is 120.44. The P/B (price-to-book) ratio is 0.96.

  7. Which sector does Utkarsh Small Finance Bank Ltd (UTKARSHBNK) belong to?

    Utkarsh Small Finance Bank Ltd (UTKARSHBNK) belongs to the Financials sector & Diversified Financials sub-sector.

  8. How to buy Utkarsh Small Finance Bank Ltd (UTKARSHBNK) shares?

    You can directly buy Utkarsh Small Finance Bank Ltd (UTKARSHBNK) shares on Tickertape. Simply sign up, connect your demat account and place your order.