NSE · UTKARSHBNK
Utkarsh Small Fin Bank Limited
Revenue & net profit by period
Bars = revenue (₹ Cr) · line = net profit (₹ Cr). Straight from disclosed results.
Latest period: revenue ₹3,810 Cr with net profit ₹-1,151 Cr — a -30.21% net margin, versus 0.54% the period before.
Shareholding
As of 2026-06-30
- Promoter42.67%
- Public35.88%
- FII11.9%
- DII9.55%
2,79,233 shareholders on record
Promoter holding trend
Each disclosed period, oldest to newest
52-week position
Where the current price sits in its yearly band
The band spans 2.18× from low to high.
Risk flags
Derived from disclosed data
No flags raised by the data.
Peer comparison
Banks - Private Sector · ranked #13 of 15 by market cap · medians across 14 industry peers
| Company | Mkt cap | P/E | P/B | ROE | Margin |
|---|---|---|---|---|---|
| HDFC Bank Ltd. | ₹10,55,563 Cr | 13.36 | 1.76 | 13.61% | 22.46% |
| IDBI Bank Limited | ₹90,213 Cr | 9.68 | 1.49 | 13.59% | 31.54% |
| Federal Bank Ltd. | ₹85,100 Cr | 18.17 | 2.21 | 12.07% | 15.41% |
| Indusind Bank Ltd. | ₹76,348 Cr | 57.74 | 1.17 | 2.01% | 2.92% |
| Yes Bank Limited | ₹69,870 Cr | 18.55 | 1.33 | 7.2% | 12.31% |
| RBL Bank Limited | ₹63,255 Cr | 70.32 | 1.48 | 5.38% | 6.1% |
| City Union Bank Ltd. | ₹22,790 Cr | 16.24 | 2.16 | 13.28% | 19.35% |
| Tamilnad Mercantile Bank Ltd. | ₹14,331 Cr | 9.92 | 1.36 | 13.67% | 23.69% |
| Karnataka Bank Ltd. | ₹12,275 Cr | 8.54 | 0.97 | 10.87% | 15.9% |
| South Indian Bank Ltd. | ₹12,023 Cr | 7.95 | 1.02 | 12.79% | 14.94% |
| Utkarsh Small Fin Bank Limited(this company) | ₹2,555 Cr | 100.09 | 0.92 | -34.06% | -27.96% |
AI analysis
AI-generated · google/gemini-2.5-flashUtkarsh Small Finance Bank Limited, founded in 2009 and headquartered in Varanasi, India, provides banking and financial services to individuals and businesses across India. The company operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. Its offerings include various banking accounts, term deposit products, certificates of deposits, digital products, investment products, and a range of loans such as joint liability group, business, MSME, commercial vehicle and construction equipment, gold, personal, and home loans. Additionally, it offers overdraft facilities, inward and outward remittance, bill payment services, ATM, branch, internet, and mobile banking services, micro and wholesale banking services, mutual funds, and life, health, and general insurance. The company has a market capitalization of Rs 2571 Cr.
Positives
- +The company has a debt-to-equity ratio of 0, indicating no debt.
- +Promoter holding remains substantial at 42.67% as of June 30, 2026.
- +Net profit increased from Rs 61.46 Cr in Mar 2022 to Rs 497.63 Cr in Mar 2024.
Negatives
- −The company reported a negative profit margin of -34.06% in the latest period.
- −Return on Equity (ROE) is significantly negative at -41.47%.
- −Net profit declined from Rs 23.70 Cr in Mar 2025 to a net loss of Rs -1150.98 Cr in Mar 2026.
- −Revenue decreased from Rs 4364.76 Cr in Mar 2025 to Rs 3809.75 Cr in Mar 2026.
- −Promoter holding decreased from 69.28% in July 2023 to 42.67% in June 2026.
Business
Utkarsh Small Finance Bank Limited offers banking and financial services in India. Its business is segmented into Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. The bank provides services including savings, current, and term deposit accounts, various loan products like MSME and home loans, and digital banking facilities. It also offers investment products, mutual funds, and insurance services, aiming to cater to a broad base of individual and business clients.
Financial Performance
The company's revenue in the latest fiscal year (Mar 2026) reached Rs 3809.75 Cr. This marks a decrease from Rs 4364.76 Cr in Mar 2025. Net profit also saw a significant decline, moving from Rs 23.70 Cr in Mar 2025 to a net loss of Rs -1150.98 Cr in Mar 2026. Quarterly net profit has been consistently negative, with a loss of Rs -188.02 Cr in Mar 2026.
Profitability & Returns
Utkarsh Small Finance Bank Limited reported a negative profit margin of -34.06%. The Return on Equity (ROE) stands at -41.47%, indicating a significant loss for shareholders relative to their equity. Return on Capital Employed (ROCE) is 1.37%, reflecting the efficiency of capital usage, although this is in conjunction with negative net profits.
Balance Sheet
The company maintains a debt-to-equity ratio of 0, indicating no debt. The book value per share is Rs 15.6. These figures suggest a healthy financial structure in terms of leveraging, but must be considered alongside the negative profitability metrics.
Ownership & Pledges
As of June 30, 2026, the promoter holding in Utkarsh Small Finance Bank Limited was 42.67%. Foreign Institutional Investors (FIIs) held 11.90%, and Domestic Institutional Investors (DIIs) held 9.55%. Public shareholding was 35.88%. No shares are reported to be pledged by the promoters.
Data as of — price: 2026-09-11 · financials: Mar 26 · shareholding: Jun 26. Figures are restated only when the company files again, so a period shown here is the most recent one on record — not necessarily the current quarter.
How this is produced: every figure above is computed from exchange filings and financial data mirrored by IPO Plus — no figure is generated or estimated. This is a factual summary for information and education only. It is not investment advice, not a recommendation to buy, sell or hold any security, and contains no price targets. Verify against the company's filings and the exchanges before any decision.
Back to Utkarsh Small Fin Bank Limitedshare price & fundamentals