What is the share price of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) today?
The share price of UTKARSHBNK as on 18th February 2026 is ₹13.77. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.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: -0.72%
- Past 1 month: -5.36%
- Past 3 months: -17.94%
- Past 6 months: -21.09%
- Past 1 year: -36.92%
- Past 3 years: N/A%
- Past 5 years: -66.21%
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: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 ₹2450.40 Cr as of 18th February 2026.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 ₹23.77 and the 52-week low is ₹12.96.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 103.39. The P/B (price-to-book) ratio is 0.82.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.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.
Utkarsh Small Finance Bank Ltd
UTKARSHBNK Share Price
13.770.29% (+0.04)
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UTKARSHBNK Stock Scorecard
Performance
LowHasn't fared well - amongst the low performers
Valuation
HighSeems to be overvalued vs the market average
Growth
LowLagging behind the market in financials growth
Profitability
HighShowing good signs of profitability & efficiency
Entry point
GoodThe stock is underpriced and is not in the overbought zone
Red flags
LowNo red flag found
How to use scorecard? Learn more
UTKARSHBNK Performance & Key Metrics
UTKARSHBNK Performance & Key Metrics
| No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
|---|---|---|
| -2.55 | 0.82 | — |
| Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
|---|---|---|
| 18.72 | 2.55 | 0.95% |
100%
Analysts have suggested that investors can buy this stock
from 2 analysts
Price Upside
Earnings Growth
Rev. Growth
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.
ABCAPITAL
PE Ratio
27.46
27.46
1Y Return
126.85%
126.85%
Buy Reco %
100.00
100.00
MOTILALOFS
PE Ratio
18.75
18.75
1Y Return
26.60%
26.60%
Buy Reco %
100.00
100.00
CHOLAHLDNG
PE Ratio
15.18
15.18
1Y Return
17.43%
17.43%
Buy Reco %
100.00
100.00
PE Ratio
24.31
24.31
1Y Return
24.85%
24.85%
Buy Reco %
100.00
100.00
PE Ratio
38.85
38.85
1Y Return
12.41%
12.41%
Buy Reco %
88.89
88.89
UTKARSHBNK Sentiment Analysis
UTKARSHBNK Sentiment Analysis
New
Crisp summary & key insights to decode earnings calls instantly
UTKARSHBNK Stock Summary · February 2026
In Q3 FY26, the bank faced a net loss of INR 375 crores primarily due to high credit costs from legacy stress, yet it demonstrated improving asset quality with a significant reduction in fresh NPA accretion. A strategic shift towards stability led to a contraction in the Joint Liability Group portfolio, while the Micro Banking Business Loan segment thrived, growing 80% year-over-year. Management's focus on operational efficiency and enhanced collection practices resulted in a collection efficiency exceeding 99.5%, contributing to a positive trend in slippages. With a robust Capital Adequacy ratio of 20.1% and a commitment to prudent risk management, the bank is poised for sustainable growth, particularly in the JLG and micro banking segments, despite ongoing regulatory challenges.
UTKARSHBNK Stock Growth Drivers
UTKARSHBNK Stock Growth Drivers
7Operational Resilience and Collection Efficiency
Utkarsh Small Finance Bank has significantly improved its operational discipline, with a collection workforce expanded
Strong Growth in Micro Banking Business Loans
The Micro Banking Business Loan (MBBL) portfolio has shown remarkable growth, increasing by 80% year-over-year
UTKARSHBNK Stock Challenges
UTKARSHBNK Stock Challenges
5Decline in Deposit Growth
The bank has experienced a decline in sequential deposit growth, attributed to reduced deployment of
Challenges in Microfinance Sector
The bank is navigating regulatory changes impacting the microfinance sector, leading to a deliberate contraction
UTKARSHBNK Forecast
UTKARSHBNK Forecasts
Price
Revenue
Earnings
UTKARSHBNK Share Price Forecast
UTKARSHBNK Share Price Forecast
2026
Current
₹13.77
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Forecast for Feb 2027
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2026
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₹13.77
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UTKARSHBNK Company Revenue Forecast
UTKARSHBNK Company Revenue Forecast
2025
Current
₹4.36
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₹4.36
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UTKARSHBNK Stock EPS (Earnings Per Share) Forecast
UTKARSHBNK Stock EPS (Earnings Per Share) Forecast
2025
Current
₹0.18
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Forecast for Mar 2026
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₹0.18
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UTKARSHBNK
UTKARSHBNK
Income
Balance Sheet
Cash Flow
Annual Normal View
UTKARSHBNK Income Statement
UTKARSHBNK Income Statement
Annual Normal View
| Financial Year | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 90.21 | 561.86 | 939.09 | 1,406.25 | 1,705.84 | 2,033.64 | 2,804.29 | 3,578.75 | 4,364.76 | 4,024.41 | ||||||||||
Raw Materials | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 5,287.66 | ||||||||||
| Power & Fuel Cost | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||||||||
| Employee Cost | 20.74 | 126.58 | 186.57 | 262.16 | 326.20 | 429.83 | 570.06 | 736.95 | 845.60 | |||||||||||
| Selling & Administrative Expenses | 5.40 | 31.99 | 61.87 | 92.27 | 84.84 | 119.28 | 162.51 | 195.95 | 229.22 | |||||||||||
| Operating & Other expenses | 56.12 | 481.73 | 525.54 | 775.98 | 1,113.78 | 1,363.94 | 1,477.26 | 1,921.19 | 3,185.72 | |||||||||||
EBITDA | 7.95 | -78.44 | 165.11 | 275.84 | 181.02 | 120.59 | 594.46 | 724.66 | 104.22 | -1,263.25 | ||||||||||
| Depreciation/Amortization | 1.41 | 16.37 | 16.29 | 25.41 | 29.58 | 40.88 | 58.66 | 65.27 | 76.57 | 0.00 | ||||||||||
| PBIT | 6.54 | -94.81 | 148.82 | 250.43 | 151.44 | 79.71 | 535.80 | 659.39 | 27.65 | -1,263.25 | ||||||||||
| Interest & Other Items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ||||||||||
| PBT | 6.54 | -94.81 | 148.82 | 250.43 | 151.44 | 79.71 | 535.80 | 659.39 | 27.65 | -1,263.25 | ||||||||||
| Taxes & Other Items | 1.69 | -31.79 | 54.92 | 63.67 | 39.62 | 18.25 | 131.31 | 161.76 | 3.95 | -303.26 | ||||||||||
| Net Income | 4.85 | -63.02 | 93.90 | 186.76 | 111.82 | 61.46 | 404.49 | 497.63 | 23.70 | -959.99 | ||||||||||
| EPS | 0.14 | -1.39 | 1.32 | 2.12 | 1.18 | 0.60 | 3.83 | 4.24 | 0.18 | -7.40 | ||||||||||
| DPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.42 | 0.00 | 0.00 | ||||||||||
| Payout ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.10 | 0.00 | 0.00 |
UTKARSHBNK Company Updates
FY 2026FY 2026
Investor Presentation
Feb 2PDF
Nov 14PDF
Aug 2PDF
UTKARSHBNK Stock Peers
UTKARSHBNK Past Performance & Peer Comparison
UTKARSHBNK Past Performance & Peer Comparison
Comparing 3 stocks from
FinancialsDiversified Financials
Compare valuation on Screener
FinancialsDiversified Financials
Valuation
Technical
Forecast
Compare valuation on Screener| Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
|---|---|---|---|
| Utkarsh Small Finance Bank Ltd | 103.39 | 0.82 | — |
| Aditya Birla Capital Ltd | 27.46 | 2.83 | — |
| Motilal Oswal Financial Services Ltd | 18.75 | 4.21 | 0.64% |
| Cholamandalam Financial Holdings Ltd | 15.18 | 1.22 | 0.07% |
UTKARSHBNK Stock Price Comparison
Compare UTKARSHBNK with any stock or ETFCompare UTKARSHBNK with any stock or ETF
UTKARSHBNK
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 1.57%
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 10.12%
UTKARSHBNK Shareholding Pattern
UTKARSHBNK Shareholding Pattern
UTKARSHBNK Shareholding History
UTKARSHBNK Shareholding History
Foreign Institutions
Mutual Funds Invested in UTKARSHBNK
Mutual Funds Invested in UTKARSHBNK
No mutual funds holding trends are available
Top 4 Mutual Funds holding Utkarsh Small Finance Bank Ltd
| Funds (Top 4) | The rupee value of the stock held by the fund divided by the stock’s market cap Market-cap held | Percentage of the fund’s portfolio invested in the stock Weight | Change in the portfolio weight of the stock over the last 3 months 3M holding change | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months Portfolio rank(3M change) |
|---|---|---|---|---|
The rupee value of the stock held by the fund divided by the stock’s market cap 0.1759% | Percentage of the fund’s portfolio invested in the stock 0.76% | Change in the portfolio weight of the stock over the last 3 months -0.19% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 45/62 (-20) | |
The rupee value of the stock held by the fund divided by the stock’s market cap 0.1684% | Percentage of the fund’s portfolio invested in the stock 0.30% | Change in the portfolio weight of the stock over the last 3 months -0.07% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 79/103 (-4) | |
The rupee value of the stock held by the fund divided by the stock’s market cap 0.0001% | Percentage of the fund’s portfolio invested in the stock 0.00% | Change in the portfolio weight of the stock over the last 3 months -0.00% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 907/1038 (-7) |
Compare 3-month MF holding change on Screener
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
Dividends
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
Articles & Videos
Earnings
Utkarsh Small Finance Bank reports standalone net loss of Rs 375.02 crore in the December 2025 quarter
Net Loss of Utkarsh Small Finance Bank reported to Rs 375.02 crore in the quarter ended December 2025 as against net loss of Rs 168.05 crore during the previous quarter ended December 2024. Total Operating Income declined 11.93% to Rs 821.15 crore in the quarter ended December 2025 as against Rs 932.43 crore during the previous quarter ended December 2024. ParticularsQuarter EndedDec. 2025Dec. 2024% Var. Total Operating Income821.15932.43 -12 OPM %-11.9911.68 - PBDT-490.69-237.94 -106 PBT-490.69-237.94 -106 NP-375.02-168.05 -123 Powered by Capital Market - Live
2 weeks agoCapital Market - Live
Corporate
Utkarsh Small Finance Bank announces board meeting date
Utkarsh Small Finance Bank will hold a meeting of the Board of Directors of the Company on 2 February 2026.Powered by Capital Market - Live
2 weeks agoCapital Market - Live
Spotlight
Utkarsh SFB rises after reporting 4% YoY drop in loan book in Q3; total deposits at Rs 21,087 crore
On a sequential basis, the bank's loan book registered a de-growth of 1.9%. The gross loan portfolio as of 30 September 2025 stood at Rs 18,655 crore. Total deposits of the bank stood at Rs 21,087 crore as of 31 December 2025, registering a 4.5% year-on-year increase, while declining 1.7% quarter-on-quarter. Retail term deposits and bulk term deposits totaled Rs 12,586 crore (up 23.8% YoY) and Rs 3,890 crore (down 35.6% YoY), respectively. The CASA ratio stood at 21.9% as of 31 December 2025, compared to 19.7% as of 31 December 2024 and 20.9% as of 30 September 2025. Collection efficiency (excluding prepayments) for the bank's microbanking loan portfolio for Q3 FY26 was 99.1%. The liquidity coverage ratio (LCR) stood at 200% as of 31 December 2025. Utkarsh Small Finance Bank is engaged in providing banking and financial services with a focus on providing financial services to the underserved and unserved sections. The bank's microfinance lending activities are primarily focused in rural and semi-urban locations of the country, while its other services are spread across the country. The company reported a standalone net loss of Rs 348.46 crore in Q2 FY26 as against a net profit of Rs 51.39 crore posted in Q2 FY25. Revenue from operations jumped 14% year on year (YoY) to Rs 937.32 crore in Q2 FY26 over Q2 FY25.Powered by Capital Market - Live
1 month agoCapital Market - Live
Spotlight
Utkarsh Small Finance Bank director Pramod Kumar Dubey resigns
His resignation will be effective from the close of business hours on 31 December 2025. The bank noted that there is no inter-se relationship between its directors, and no further profile details were provided. Utkarsh Small Finance Bank engaged in providing banking and financial services and governed by the Banking. The company reported standalone net loss of Rs 348.46 crore in Q2 FY26 as against net profit of Rs 51.39 crore posted in Q2 FY25. Revenue from operations jumped 14% year on year (YoY) to Rs 937.32 crore in Q2 FY26 over Q2 FY25. Shares of Utkarsh Small Finance Bank rose 0.41% to Rs 14.83 on the BSE. Powered by Capital Market - Live
1 month agoCapital Market - Live
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
2 months 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 months 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
4 months 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
4 months 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
4 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
4 months agoCapital Market - Live
Over the last 5 years, revenue has grown at a yearly rate of 25.42%, vs industry avg of 11.84%
Over the last 5 years, market share increased from 1.39% to 3.2%
Over the last 5 years, net income has grown at a yearly rate of -33.83%, vs industry avg of 57.47%