Debut Plus

₹15

▼ -0.05 -0.33%

17 Jul 2026

NSE Listed

Utkarsh Small Fin Bank Limited (UTKARSHBNK)

Volume: 31,10,309Avg Vol 1W: 84,95,949.2Avg Vol 1M: 87,04,032.8552W Range:₹10.12₹22.03
NSE BSE www.utkarsh.bank.in
Key Ratios
Checked 4h ago
Market Cap₹2,678 Cr
Current Price₹15
Previous Close₹15.05
High / Low (52w)₹22.03 / ₹10.12
Volume31,10,309
Avg Vol (1W)84,95,949.2
Avg Vol (1M)87,04,032.85
Stock P/E100.09
Book Value₹15.6
Dividend Yield0%
ROE-41.47%
ROA-416%
Revenue (TTM)₹4,365 Cr
Revenue Growth—
Profit Margin-34.06%
Total Debt₹2,355 Cr
Shares Outstanding178 Cr
Face Value₹10
EPS (TTM)₹0
P/B0.97
Debt / Equity0
50 DMA₹13.96
200 DMA₹14.74
Day change-0.33%
Price Chart
₹15▼ 24.51% · 1Y
₹22₹1014.9Cr
2025-07-17
2026-07-16

20-day avg volume: 87.0L shares

Pros
  • Company is almost debt-free.
  • Net profit is growing year over year.
  • Stock trades below its book value.
Cons
  • Revenue fell 18% YoY.
  • Stock trades at a high P/E of 100.
Quarterly Results
MetricJun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026
Revenue————————
EBITDA————————
Net Profit₹137 Cr₹51 Cr₹-168 Cr₹3 Cr₹-239 Cr₹-348 Cr₹-375 Cr₹-188 Cr
EPS————————
Profit & Loss (Annual)
MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Revenue₹562 Cr₹939 Cr₹1,406 Cr₹1,706 Cr₹2,034 Cr₹2,804 Cr₹3,579 Cr₹4,365 Cr
EBITDA₹-95 Cr₹149 Cr₹250 Cr₹151 Cr₹80 Cr₹536 Cr₹659 Cr₹28 Cr
Net Profit₹-63 Cr₹94 Cr₹187 Cr₹112 Cr₹61 Cr₹405 Cr₹498 Cr₹24 Cr
EPS-0.921.372.491.460.74.514.750.22
Balance Sheet
MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets₹6,239 Cr₹9,404 Cr₹12,138 Cr₹15,064 Cr₹19,117 Cr₹23,903 Cr₹28,127 Cr₹28,869 Cr
Total Liabilities₹5,466 Cr₹8,385 Cr₹10,770 Cr₹13,491 Cr₹17,117 Cr₹20,929 Cr₹25,153 Cr₹26,093 Cr
Equity₹773 Cr₹1,019 Cr₹1,368 Cr₹1,572 Cr₹2,000 Cr₹2,973 Cr₹2,975 Cr₹2,776 Cr
Total Debt———————₹2,829 Cr
Cash Flow
MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating₹13 Cr₹1,384 Cr₹1,644 Cr₹1,055 Cr₹765 Cr₹781 Cr
Investing₹-532 Cr₹-739 Cr₹-693 Cr₹-620 Cr₹-777 Cr₹-3,309 Cr
Financing₹172 Cr₹111 Cr₹-235 Cr₹140 Cr₹310 Cr₹1,412 Cr
Free Cash Flow₹13 Cr₹1,384 Cr₹1,644 Cr₹1,055 Cr₹765 Cr₹631 Cr
Shareholding
Promoter 42.67% Institutions 21.06% Public 36.28%
About Utkarsh Small Fin Bank Limited

Banks · Banks - Private Sector

Utkarsh Small Finance Bank Limited provides banking and financial services for individuals and businesses in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The company offers savings, salary, current, term and recurrent deposit, institutional, and escrow banking accounts; term deposit products; certificates of deposits; locker facilities; digital products; investment products; joint liability group, business, MSME, commercial vehicle and construction equipment, gold, personal, home and other loans; overdraft against fixed deposit, wholesale lending, LAP retail, and Micro LAP; inward and outward remittance; and bill payment services. It also provides ATM, branch, internet, and mobile banking services; micro and wholesale banking services; mutual funds; and life, health, and general insurance. The company was founded in 2009 and is headquartered in Varanasi, India. Utkarsh Small Finance Bank Limited is a subsidiary of Utkarsh CoreInvest Limited.

www.utkarsh.bank.in ↗
Efficiency & Working Capital
ROCE1.4%
Interest Coverage0
Dividend Payout—
Debtor Days—
Inventory Days—
Payable Days—
Cash Conversion Cycle—
Working Capital Days—
Shareholding Details

As of 2026-03-31

Promoter42.7%
FII11.5%
DII9.6%
Institutions21.1%
Public36.3%
Promoter Pledge0%
No. of Shareholders2,82,993
Shareholding Pattern

Quarterly — figures in %. Latest 12 quarters.

PeriodDec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Nov 2025Nov 2025Dec 2025Mar 2026
Promoters69.2%69.1%69%68.9%68.9%68.9%68.9%68.9%42.7%42.7%42.7%42.7%
FIIs0.7%0.9%0.9%1%1.3%1%1.9%1.7%13.1%13.1%11.8%11.5%
DIIs9.9%9.8%10.6%10%8.2%7%2.8%2.4%10.7%10.7%9.8%9.6%
Public20.2%20.2%19.4%20.1%21.5%23.1%26.4%27%33.6%33.6%35.8%36.3%
Promoter Pledge0%0%0%0%0%0%0%0%0%0%0%0%
No. of Shareholders1,92,7912,22,0442,15,1332,27,8862,40,5922,43,6132,48,3112,49,3722,66,6722,66,6722,76,7422,82,993
Returns History (ROE / ROCE / ROA)
PeriodROEROCEROAP/E
202603————
Major Shareholders (>1%)
NameCategoryStakeShares
Utkarsh Coreinvest LimitedShareholding of Promoter and Promoter Group42.7%75.93 Cr
Cohesion Mk Best Ideas Sub-trustPublic Shareholding3.2%5.71 Cr
India Capital Fund LimitedPublic Shareholding3%5.30 Cr
Icici Prudential Life Insurance Company LimitedPublic Shareholding2.9%5.19 Cr
Kotak Mahindra Life Insurance Company Ltd.Public Shareholding2.4%4.21 Cr
Flc Investco, LlcPublic Shareholding2.3%4.16 Cr
Olympus Acf Pte LimitedPublic Shareholding1.9%3.42 Cr
Singularity Large Value Fund IiiPublic Shareholding1.6%2.86 Cr
Massachusetts Institute Of TechnologyPublic Shareholding1.6%2.79 Cr
Zodiac Wealth Advisors LlpPublic Shareholding1.3%2.38 Cr
Promoter Pledges
HolderPledged Shares% of HoldingAs of
Utkarsh Coreinvest Limited00%2026-03-31
Singularity Large Value Fund Iii00%2026-03-31
Kotak Mahindra Life Insurance Company Ltd.00%2026-03-31
Icici Prudential Life Insurance Company Limited00%2026-03-31
Flc Investco, Llc00%2026-03-31
Massachusetts Institute Of Technology00%2026-03-31
India Capital Fund Limited00%2026-03-31
Cohesion Mk Best Ideas Sub-trust00%2026-03-31
Olympus Acf Pte Limited00%2026-03-31
Zodiac Wealth Advisors Llp00%2026-03-31
Utkarsh Coreinvest Limited00%2025-12-31
Singularity Large Value Fund Iii00%2025-12-31
Board of Directors
NameDesignationYear
Govind SinghManaging Director & Chief Executive Officer2025
Ajay Kumar KapurIndependent Director2025
Kalpana Prakash PandeyIndependent Director2025
Muthiah GanapathyCompany Sec. & Compli. Officer2025
GAURI RUSHABH SHAHIndependent Director2025
SHIVAJI KSHATRAPATIPart Time Chairman2025
Pramod Kumar DubeyWhole Time Director2025
Segments — Product
SegmentRevenueShare
Treasury₹298 Cr8.3%
Corporate /Wholesale Banking₹218 Cr6.1%
Retail Banking₹3,062 Cr85.6%
Capital Structure (₹ Cr)
YearFace ValueAuthorisedIssuedPaid-up
2026₹101,8001,7801,780
Related-Party Transactions (₹ Cr)
YearSubsidiariesAssociatesJVKMPOthersTotal
202532180374306
202531710152234
2025000000
Substantial Acquisitions (SAST)

2 disclosure(s)

Market05/05/2025 · 1,80,20,246
Market12/07/2024 · 21,77,798
Company Information
Incorporated2016
ChairmanSHIVAJI KSHATRAPATI
AuditorM M Nissim & Co LLP/KKC & Associates LLP
Investor Email[email protected]
🌐 www.utkarsh.bank ↗

📍 Utkarsh Tower NH-31 (AirportRd, Sehmalpur Kazi Sarai Harhua, Varanasi, Uttar Pradesh, 221105

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