Utkarsh Small Finance Bank Ltd

Utkarsh Small F. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Utkarsh Small Finance Bank Ltd

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utkarsh.bank BSE: 543942 NSE: UTKARSHBNK
About

Incorporated in 2016, Utkarsh Small Finance Bank is engaged in providing banking and financial services.[1]

Key Points

Business Profile[1]
Utkarsh Small Finance Bank (USFB) has evolved from a microfinance institution to a small finance bank. It has a significant presence in rural and semi-urban areas, focusing on financial inclusion

Website BSE NSE
  • Market Cap ₹ Cr.
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  • Dividend Yield %
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  • ROE %
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Pros

Cons

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Peer comparison

Financial Services Financial Services Banks Other Bank

Part of BSE Financial Services BSE 1000

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Quarterly Results

Figures in Rs. Crores

Interest
Financing Profit
Financing Margin %
Depreciation
Profit before tax
Tax %
EPS in Rs
Gross NPA %
Net NPA %
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Profit & Loss

Figures in Rs. Crores

Interest
Financing Profit
Financing Margin %
Depreciation
Profit before tax
Tax %
EPS in Rs
Dividend Payout %
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: %
TTM: %
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: %
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: %
3 Years: %
Last Year: %

Balance Sheet

Figures in Rs. Crores

Equity Capital
Reserves
Borrowing
Total Liabilities
CWIP
Investments
Total Assets

Cash Flows

Figures in Rs. Crores

Net Cash Flow
Free Cash Flow
CFO/OP

Ratios

Figures in Rs. Crores

ROE %

Insights

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Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Joint Liability Group (JLG) share in portfolio
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Secured Loans in Gross Loan Portfolio
% ・Standalone data
Number of Banking Outlets
Units ・Standalone data
Number of Employees
Units ・Standalone data
Total Customers
Million ・Standalone data

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
69.28% 69.16% 69.06% 69.02% 68.94% 68.93% 68.92% 68.92% 68.92% 42.67% 42.67%
2.07% 0.74% 0.87% 0.94% 0.99% 1.33% 1.00% 1.85% 1.68% 11.80% 11.49%
12.99% 11.30% 9.82% 10.60% 10.01% 8.23% 7.04% 2.78% 2.39% 9.74% 9.56%
0.00% 0.00% 0.00% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.03% 0.02%
15.67% 18.80% 20.25% 19.43% 20.04% 21.50% 23.04% 26.43% 27.00% 35.76% 36.27%
No. of Shareholders 1,63,6141,92,7912,22,0442,15,1332,27,8862,40,5922,43,6132,48,3112,49,3722,76,7422,82,993

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

DRHP

Credit ratings

Concalls