Utkarsh Small Finance Bank Ltd
Utkarsh Small Finance Bank Ltd (UTKARSHBNK) last reported results for the quarter ended Jun 2026, with sales of ₹884 crore and net profit of ₹-34 crore. The stock last traded at ₹13.4, a market capitalisation of ₹2,385 crore. Over the past 52 weeks the stock has ranged between ₹10.1 and ₹22. Figures are as of 6 Oct 2026 and are not real time.
Utkarsh Small Finance Bank Ltd share price and key metrics
- Current price
- ₹13.4
- Market cap
- ₹2,385 cr
- Book value
- ₹15.6
- ROE
- -40.0%
- ROCE
- 1.46%
- Dividend yield
- 0.00%
- 52w high / low
- 22.0/10.1
Metrics as of 6 Oct 2026. Not real time.
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Utkarsh Small Finance Bank Ltd growth and returns
- 10 Years
- %
- 5 Years
- 16%
- 3 Years
- 10%
- TTM
- -8%
- 10 Years
- %
- 5 Years
- %
- 3 Years
- %
- TTM
- -168%
- 10 Years
- %
- 5 Years
- %
- 3 Years
- -36%
- 1 Year
- -29%
- 10 Years
- %
- 5 Years
- -1%
- 3 Years
- -8%
- Last Year
- -40%
Utkarsh Small Finance Bank Ltd quarterly results
In the quarter ended Jun 2026, sales were ₹884 cr, up 0.3% from ₹881 cr a year earlier. Net profit was ₹-34 cr, up 85.8% year on year.
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 987 | 932 | 880 | 881 | 840 | 821 | 837 | 884 |
| Expenses | 593 | 824 | 687 | 858 | 913 | 920 | 724 | 586 |
| Operating profit | -35 | -343 | -276 | -457 | -562 | -571 | -347 | -164 |
| OPM % | -4% | -37% | -31% | -52% | -67% | -70% | -42% | -19% |
| Other income | 103 | 105 | 287 | 138 | 97 | 81 | 115 | 119 |
| Interest | 429 | 452 | 468 | 479 | 490 | 473 | 461 | 461 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 68 | -238 | 11 | -319 | -465 | -491 | -232 | -45 |
| Tax % | 24% | -29% | 74% | -25% | -25% | -24% | -19% | -25% |
| Net profit | 51 | -168 | 3 | -239 | -348 | -375 | -188 | -34 |
| EPS (₹) | 0.29 | -0.94 | 0.02 | -1.35 | -1.96 | -2.11 | -1.06 | -0.19 |
Consolidated figures as reported by the company. Percentages are as published; totals may not sum exactly.
Utkarsh Small Finance Bank Ltd annual results
| ₹ crore | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 519 | 881 | 1,308 | 1,581 | 1,849 | 2,505 | 3,178 | 3,765 | 3,379 | 3,381 |
| Operating profit | -106 | 107 | 177 | 56 | -64 | 295 | 324 | -496 | -1,860 | -1,645 |
| OPM % | -20% | 12% | 14% | 4% | -3% | 12% | 10% | -13% | -55% | -49% |
| Net profit | -63 | 94 | 187 | 112 | 61 | 404 | 498 | 24 | -1,151 | -945 |
| EPS (₹) | -0.83 | 0.79 | 1.52 | 0.82 | 0.42 | 2.80 | 2.80 | 0.13 | -6.47 | -5.32 |
TTM is the trailing twelve months to the most recent quarter.
Utkarsh Small Finance Bank Ltd balance sheet
| ₹ crore | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Equity capital | 470 | 737 | 759 | 848 | 896 | 896 | 1,099 | 1,102 | 1,780 |
| Reserves | -58 | 36 | 260 | 520 | 677 | 1,104 | 1,874 | 1,873 | 996 |
| Borrowings | 1,789 | 1,280 | 2,675 | 2,608 | 2,572 | 2,349 | 1,995 | 2,355 | 2,829 |
| Deposits | 2,194 | 3,941 | 5,235 | 7,508 | 10,074 | 13,710 | 17,473 | 21,566 | 21,654 |
| Other liabilities | 129 | 245 | 475 | 654 | 845 | 1,057 | 1,462 | 1,232 | 1,610 |
| Total liabilities | 4,524 | 6,239 | 9,404 | 12,138 | 15,064 | 19,117 | 23,903 | 28,127 | 28,869 |
| Fixed assets | 87 | 87 | 110 | 125 | 286 | 301 | 301 | 324 | 333 |
| CWIP | 0 | 3 | 22 | 56 | 1 | 2 | 10 | 63 | 125 |
| Investments | 661 | 862 | 1,192 | 2,314 | 2,348 | 2,859 | 3,679 | 4,958 | 6,914 |
| Other assets | 3,775 | 5,287 | 8,081 | 9,643 | 12,429 | 15,955 | 19,912 | 22,783 | 21,497 |
| Total assets | 4,524 | 6,239 | 9,404 | 12,138 | 15,064 | 19,117 | 23,903 | 28,127 | 28,869 |
As reported by the company. Total assets equal total liabilities by construction.
Utkarsh Small Finance Bank Ltd cash flow
| ₹ crore | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 211 | 115 | -83 | 1,329 | 1,573 | 991 | 876 | 781 |
| Cash from investing | -171 | -322 | -532 | -739 | -693 | -620 | -777 | -3,309 |
| Cash from financing | -92 | 1,304 | 172 | 111 | -235 | 140 | 310 | 1,412 |
| Net cash flow | -52 | 1,097 | -444 | 702 | 645 | 511 | 409 | -1,115 |
| Free cash flow | 194 | 70 | -163 | 1,183 | 1,498 | 921 | 718 | 638 |
| CFO / operating profit | 44% | 27% | 2% | 191% | 129% | 65% | 61% | 1,876% |
Negative figures are outflows. CFO / operating profit is a ratio, not an amount.
Utkarsh Small Finance Bank Ltd operating ratios
| Per year | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | -15% | 16% | 21% | 9% | 4% | 23% | 20% | 1% | -40% |
Ratios as computed by the source from the reported statements. Rows a company does not report are omitted.
Utkarsh Small Finance Bank Ltd shareholding pattern
Promoters held 42.67% at Jun 2026, down from 68.92% at Jun 2025. FIIs 11.90% and DIIs 9.54%.
| % held | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters | 68.94% | 68.93% | 68.92% | 68.92% | 68.92% | 42.67% | 42.67% | 42.67% |
| FIIs | 0.99% | 1.33% | 1.00% | 1.85% | 1.68% | 11.80% | 11.49% | 11.90% |
| DIIs | 10.01% | 8.23% | 7.04% | 2.78% | 2.39% | 9.74% | 9.56% | 9.54% |
| Government | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.03% | 0.02% | 0.02% |
| Public | 20.04% | 21.50% | 23.04% | 26.43% | 27.00% | 35.76% | 36.27% | 35.88% |
| No. of shareholders | 2,27,886 | 2,40,592 | 2,43,613 | 2,48,311 | 2,49,372 | 2,76,742 | 2,82,993 | 2,79,233 |
As disclosed by the company to the exchanges. The last row is a count of shareholders, not a percentage.
Utkarsh Small Finance Bank Ltd corporate filings
- Utkarsh Small Finance Bank reports business updates for Q2 and H1 FY2026, with no significant financial changes disclosedCompany Updatelow impact
Cruxal's analysis: The company released operational updates for the quarter and half-year ending September…
Read the full analysis - Certificate under Regulation 74(5)Company Updatelow impact
- Utkarsh Small Finance Bank Discloses Regulatory Filing on September 30, 2026Company Updatelow impact
Cruxal's analysis: The company has filed a disclosure under SEBI Regulation 30 on September 30, 2026. No…
Read the full analysis - Trading Window closure for the quarter and half year ending September 30, 2026Insider Trading / SASTlow impact
- Utkarsh Small Finance Bank Ltd announces allotment of Non-Convertible DebenturesCompany Updatelow impact
Cruxal's analysis: Utkarsh Small Finance Bank has completed the allotment of Non-Convertible Debentures…
Read the full analysis - Utkarsh Small Finance Bank appoints Manmohan Shetty as Chief Financial OfficerOthersmedium impact
Cruxal's analysis: Utkarsh Small Finance Bank Limited has announced the appointment of Mr. Manmohan Shetty…
Read the full analysis - Utkarsh Small Finance Bank Ltd approves issue documents for Non-Convertible Debentures (NCDs)Company Updatelow impact
Cruxal's analysis: Utkarsh Small Finance Bank has formally approved the issue documents for the issuance of…
Read the full analysis - Utkarsh Small Finance Bank receives CARE A- rating for proposed 500 crore Tier II bond issuanceCompany Updatemedium impact
Cruxal's analysis: Utkarsh Small Finance Bank has received a 'CARE A-; Stable' credit rating for its…
Read the full analysis - Utkarsh Small Finance Bank schedules investor meetCompany Updatelow impact
Cruxal's analysis: Utkarsh Small Finance Bank has issued an intimation regarding an upcoming…
Read the full analysis - Utkarsh Small Finance Bank Ltd announces ESG rating disclosureCompany Updatelow impact
Cruxal's analysis: Utkarsh Small Finance Bank Ltd has filed a disclosure regarding its ESG rating. The…
Read the full analysis - Utkarsh Small Finance Bank announces migration of Core Banking SystemCompany Updatelow impact
Cruxal's analysis: Utkarsh Small Finance Bank has announced the migration of its Core Banking System (CBS)…
Read the full analysis - Utkarsh Small Finance Bank Ltd announces intimation of ESG ratingCompany Updatelow impact
Cruxal's analysis: Utkarsh Small Finance Bank Ltd has filed a routine intimation regarding its ESG…
Read the full analysis - Utkarsh Small Finance Bank Q1 FY27 Earnings Call: Management Signals Turnaround with Focus on Asset Quality and Operational EfficiencyCompany Updatehigh impact
Cruxal's analysis: Utkarsh Small Finance Bank reported a net loss of 34 crore for Q1 FY27, marking an 80%…
Read the full analysis - Utkarsh Small Finance Bank Concludes 10th AGM; Management Highlights Strategic Focus on Asset Quality and Portfolio DiversificationAGM/EGMlow impact
Cruxal's analysis: Utkarsh Small Finance Bank Limited has concluded its 10th Annual General Meeting, where…
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