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17358

543942

UTKARSHBNK

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UTKARSH SMALL FIN BANK L performance

Today’s low

Today’s high

₹ 20.81 ₹ 21.55
₹ 21.13

52 week low

52 week high

₹ 19.90 ₹ 50.10
₹ 21.13

Open Price

₹ 20.90

Prev. Close

₹ 20.81

Volume (Shares)

1771368.00

Total traded value

₹ 374.29

Upper Circuit

₹ 24.97

Lower Circuit

₹ 16.64

info

UTKARSH SMALL FIN BANK L Share Price Update

As of the latest trading session, UTKARSH SMALL FIN BANK L share price is currently at ₹ 21.13, which is up by ₹ 0.31 from its previous closing. Today, the stock has fluctuated between ₹ 20.81 and ₹ 21.55. Over the past year, UTKARSH SMALL FIN BANK L has achieved a return of -57.67 %. In the last month alone, the return has been -5.02 %. Read More...

Investment Returns

Over 1 Month -5.02% Over 3 Months -14.25% Over 6 Months -8.60% Over 1 Year -57.67%
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UTKARSH SMALL FIN BANK L fundamentals


  • Market cap (Cr)

    2,327.70

  • P/E Ratio (TTM)

    -6.50

  • Beta

    1.01

  • Book Value / share

    27.00

  • Return on equity

    0.80%

  • EPS (TTM)

    0.00

  • Dividend yield

    0.00%

  • Net profit/quarter (Cr)

    -239.48

info icon alternate text
  • Market cap (Cr)

    2,332.10

  • P/E Ratio (TTM)

    -6.50

  • Beta

    0.94

  • Book Value / share

    27.00

  • Return on equity

    0.80%

  • EPS (TTM)

    0.00

  • Dividend yield

    0.00%

  • Net profit/quarter (Cr)

    -239.48

info icon alternate text

UTKARSH SMALL FIN BANK L Financials

  • Key Results

  • Key Ratios

  • Balance sheet

  • Cash Flow

  • Competition

info-icon

Revenue

Net income

Particulars JUN 2025 (Values in Cr)
Revenue 880.91
Operating Expense 447.92
Net Profit -239.48
Net Profit Margin (%) -27.18
Earnings Per Share (EPS) -2.17
EBITDA 160.21
Effective Tax Rate (%) 24.89
Particulars MAR 2025 (Values in Cr)
Revenue 879.62
Operating Expense 464.54
Net Profit 2.97
Net Profit Margin (%) 0.33
Earnings Per Share (EPS) 0.03
EBITDA 479.50
Effective Tax Rate (%) 73.67
Particulars DEC 2024 (Values in Cr)
Revenue 932.43
Operating Expense 400.35
Net Profit -168.05
Net Profit Margin (%) -18.02
Earnings Per Share (EPS) -1.53
EBITDA 214.37
Effective Tax Rate (%) 29.37
Particulars SEP 2024 (Values in Cr)
Revenue 986.95
Operating Expense 384.39
Net Profit 51.39
Net Profit Margin (%) 5.20
Earnings Per Share (EPS) 0.47
EBITDA 496.86
Effective Tax Rate (%) 24.50
Particulars JUN 2024 (Values in Cr)
Revenue 965.92
Operating Expense 366.53
Net Profit 137.40
Net Profit Margin (%) 14.22
Earnings Per Share (EPS) 1.25
EBITDA 578.99
Effective Tax Rate (%) 26.22
Particulars MAR 2025 (Values in Cr)
Revenue 3764.93
Operating Expense 1615.77
Net Profit 23.70
Net Profit Margin (%) 0.62
Earnings Per Share (EPS) 0.22
EBITDA 1769.71
Effective Tax Rate (%) 14.28
Particulars MAR 2024 (Values in Cr)
Revenue 3178.41
Operating Expense 1288.88
Net Profit 497.63
Net Profit Margin (%) 15.65
Earnings Per Share (EPS) 4.79
EBITDA 1952.00
Effective Tax Rate (%) 24.53
Particulars MAR 2023 (Values in Cr)
Revenue 2504.98
Operating Expense 990.01
Net Profit 404.50
Net Profit Margin (%) 16.14
Earnings Per Share (EPS) 4.52
EBITDA 1511.76
Effective Tax Rate (%) 24.50
Particulars MAR 2022 (Values in Cr)
Revenue 1848.81
Operating Expense 733.75
Net Profit 61.46
Net Profit Margin (%) 3.32
Earnings Per Share (EPS) 0.70
EBITDA 867.67
Effective Tax Rate (%) 22.89
Particulars MAR 2021 (Values in Cr)
Revenue 1580.99
Operating Expense 545.06
Net Profit 111.82
Net Profit Margin (%) 7.07
Earnings Per Share (EPS) 1.46
EBITDA 893.18
Effective Tax Rate (%) 26.16
Particulars MAR 2025 (Values in Cr)
Book Value / Share 27.00
ROE % 0.80
ROCE % 0.00
Total Debt to Total Equity 0.00
EBITDA Margin 0.00
Particulars MAR 2024 (Values in Cr)
Book Value / Share 27.04
ROE % 20.01
ROCE % 0.00
Total Debt to Total Equity 0.00
EBITDA Margin 0.00
Particulars MAR 2023 (Values in Cr)
Book Value / Share 22.33
ROE % 22.64
ROCE % 0.00
Total Debt to Total Equity 0.00
EBITDA Margin 0.00
Particulars MAR 2022 (Values in Cr)
Book Value / Share 17.56
ROE % 4.18
ROCE % 0.00
Total Debt to Total Equity 0.00
EBITDA Margin 0.00
Particulars MAR 2021 (Values in Cr)
Book Value / Share 16.13
ROE % 9.37
ROCE % 0.00
Total Debt to Total Equity 0.00
EBITDA Margin 0.00
Particulars MAR 2025 (Values in Cr)
Cash & Short Term Investments 3436.62
Total Assets 28127.43
Total Liabilities 28127.43
Total Equity 2974.50
Share Outstanding 1101609900
Price to Book Ratio 0.82
Return on Assets (%) 0.08
Return on Capital (%) 0.09
Particulars MAR 2024 (Values in Cr)
Cash & Short Term Investments 3027.46
Total Assets 23902.67
Total Liabilities 23902.67
Total Equity 2973.18
Share Outstanding 1099457460
Price to Book Ratio 1.73
Return on Assets (%) 2.08
Return on Capital (%) 2.22
Particulars MAR 2023 (Values in Cr)
Cash & Short Term Investments 2516.36
Total Assets 19117.29
Total Liabilities 19117.29
Total Equity 2000.32
Share Outstanding 895904663
Price to Book Ratio 0.00
Return on Assets (%) 2.11
Return on Capital (%) 2.24
Particulars MAR 2022 (Values in Cr)
Cash & Short Term Investments 1871.64
Total Assets 15063.76
Total Liabilities 15063.76
Total Equity 1572.29
Share Outstanding 895521522
Price to Book Ratio 0.00
Return on Assets (%) 0.40
Return on Capital (%) 0.43
Particulars MAR 2021 (Values in Cr)
Cash & Short Term Investments 1169.81
Total Assets 12137.91
Total Liabilities 12137.91
Total Equity 1368.35
Share Outstanding 848333869
Price to Book Ratio 0.00
Return on Assets (%) 0.92
Return on Capital (%) 0.97
Particulars MAR 2025 (Values in Cr)
Net Income 27.64
Cash from Operations 764.74
Cash from Investing -776.88
Cash from Financing 310.45
Net change in Cash 409.15
Free Cash Flow 923.70
Particulars MAR 2024 (Values in Cr)
Net Income 659.38
Cash from Operations 1054.82
Cash from Investing -619.79
Cash from Financing 139.67
Net change in Cash 511.10
Free Cash Flow 1125.24
Particulars MAR 2023 (Values in Cr)
Net Income 535.81
Cash from Operations 1643.84
Cash from Investing -693.15
Cash from Financing -235.26
Net change in Cash 644.71
Free Cash Flow 1719.69
Particulars MAR 2022 (Values in Cr)
Net Income 79.71
Cash from Operations 1383.53
Cash from Investing -738.67
Cash from Financing 111.34
Net change in Cash 701.83
Free Cash Flow 1530.20
Particulars MAR 2021 (Values in Cr)
Net Income 151.43
Cash from Operations 12.83
Cash from Investing -532.44
Cash from Financing 171.67
Net change in Cash -444.23
Free Cash Flow 92.20
Company Name Price P/E P/B Market Cap 52 Week Low/High
STATE BANK OF INDIA 805.90 9.36 1.43 743895.47 679.65 / 875.50
KOTAK MAHINDRA BANK LTD 1967.65 20.43 2.48 391271.62 1679.10 / 2301.55
FEDERAL BANK LTD 193.55 11.75 1.37 47590.37 172.95 / 220.00
HDFC BANK LTD 950.70 20.68 2.79 1459712.34 806.70 / 1018.15
ICICI BANK LTD. 1410.70 19.05 3.24 1007359.84 1187.00 / 1494.10
Company Name Price P/E P/B Market Cap 52 Week Low/High
STATE BANK OF INDIA 805.90 10.19 1.59 743895.47 679.65 / 875.50
KOTAK MAHINDRA BANK LTD 1967.65 29.02 3.34 391271.62 1679.10 / 2301.55
KARUR VYSYA BANK LTD 210.00 10.12 1.70 20290.75 153.67 / 231.29
FEDERAL BANK LTD 193.55 12.19 1.42 47590.37 172.95 / 220.00

UTKARSH SMALL FIN BANK L Technicals Summary

  • EMA & SMA
  • Resistance and Support
  • Delivery and Volume
  • Beta
  • Price Change Analysis
21.13 1.53 redarrow
red-green-graph indicator
0 Bearish
16 Bullish
  • 5 Days 21.00
  • 26 Days 21.40
  • 10 Days 21.00
  • 50 Days 22.10
  • 12 Days 21.00
  • 100 Days 23.60
  • 20 Days 21.20
  • 200 Days 27.80
20.83 PIVOT

First Support

20.70

First Resistance

20.95

Second Support

20.58

Second Resistance

21.08

Third Support

20.45

Third Resistance

21.20

RSI

38.36

ADX

14.14

MACD

-0.35

Williams % R

-78.24

Commodity Channel Index (CCI)

-8.12

Date

2025-09-01

Week

490455.00

Same Day

729206.00

Month

856485.00

1 Year

1.01

3 Year

1.04

Over 1 Month

-5.02%

down

Over 1 Year

-57.67%

down

Over 3 Months

-14.25%

down

Over 3 Years

-24.31%

down

Over 6 Months

-8.60%

down

Over 5 Years

0.00%

down

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UTKARSH SMALL FIN BANK L shareholding pattern

  • Shareholding Summary

  • Historical Promotor Holding

  • Historical MF Holding

  • Historical FII Holding

Holding

Others
26.43%
Promoter Holdings
68.92%
FII
1.85%
DII
2.78%
Promoter Shares(Pledge Percentage)
0.0%
Name Shares Category
Utkarsh Coreinvest Limited 7.59272222E8 (68.92%) Shareholding of Promoter and Promoter Group
Olympus Acf Pte Limited 3.4201634E7 (3.1%) Public Shareholding

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UTKARSH SMALL FIN BANK L corporate actions

  • Dividend

  • Bonus

  • Split

Dividend date Dividend amount Dividend type Record date Instrument type
12 Jul 2024 0.5 Final 12 Jul 2024 Equity shares
Ex-Date Ex-Bonus Ratio
[-] [-] [-]
Ex-Date Old FV NEW FV Record Date
[-] [-] [-] [-]
  • Dividend

  • Bonus

  • Split

Dividend date Dividend amount Dividend type Record date Instrument type
12 Jul 2024 0.5 Final 12 Jul 2024 Equity shares
Ex-Date Ex-Bonus Ratio
[-] [-] [-]
Ex-Date Old FV NEW FV Record Date
[-] [-] [-] [-]

UTKARSH SMALL FIN BANK L Share Price

Utkarsh Small Finance Bank Limited was incorporated on April 30, 2016 at Varanasi, Uttar Pradesh as a Public Limited Company and was granted a Certificate of Incorporation by the Registrar of Companies. Utkarsh Small Finance Bank is a scheduled commercial bank
licensed by the Reserve Bank of India as a Small Finance Bank on November 25, 2016.

The Bank is subsidiary of Utkarsh Core Invest Limited. The Promoter, Utkarsh Core Invest Limited, started operations as a NBFC in 2010 and was focused on providing microfinance to unserved and underserved segments in the States of Uttar Pradesh and Bihar. Later on, it converted to a NBFC- MFI. It provides a broad suite of financial products including microfinance loans under the Joint Liability Group (JLG) model, MSME loans, housing loans, personal loans, commercial vehicle loans, construction equipment loans, and wholesale lending.

Utkarsh SFBL also offers digital banking solutions such as Internet banking, Mobile banking, WhatsApp banking, Unified Payment Interface (UPI), Aadhar Enabled Payment Systems (AePS), Interoperable Cardless Cash Withdrawal, Digital Deposits, Bharat Connect, ASBA (Application Supported by Blocked Amount), Digi onboarding, and online account opening, along with access to ATMs and micro-ATMs to support customer convenience. As of March 31, 2025, Utkarsh Small Finance Bank had a total of 1,092 banking outlets, supported by 761 micro banking branches, 331 general banking branches, 293 Unbanked Rural Centers (URCs), 369 ATMs, and 760 micro-ATMs.

On October 7, 2015, the Promoter received the RBI In-Principle Approval to establish an SFB, following which it incorporated Utkarsh Small Finance Bank Limited as a wholly-owned subsidiary on April 30, 2016. Accordingly, Utkarsh CoreInvest Limited transferred its business of providing microfinance, as a going concern to the Bank and consequently commenced its operations from January 23, 2017. The Bank was included in second schedule to the RBI Act as a Scheduled Commercial Bank pursuant to a notification dated October 4, 2017 issued by the RBI and published in the Gazette of India on November 7, 2017.

Following the commencement of SFB operations, the Bank further engaged with borrowers by focusing on microfinance and diversifying product offerings to include savings accounts, deposit products and other loan products. The Banking Operations are spread across India and are present in 26 States and 4 Union Territories with 888 Banking Outlets as of March 31, 2024. As of March 31, 2024, the Bank had also set-up 619 micro-ATMs.

The Bank asset products include micro banking loans that include joint liability group loans, and individual loans; retail loans including, unsecured loans, such as business loans and personal loans, and secured loans, such as loans against property (LAP); wholesale lending that includes short term and long term loan facilities to SMEs, mid and large corporate and institutional clients; housing loans with a focus on affordable housing; commercial vehicle / construction equipment loans; and Utkarsh Gold Loan' product that was launched in 2022. On the liabilities side, it offer savings accounts, current accounts and a variety of term and recurring deposit accounts. In addition, it provide non-credit offerings comprising ATM-cum-debit cards, bill payment system and distribute mutual funds and insurance products.

The Bank launched an Initial Public Offer of 200,000,000 Equity Shares of face value of Rs 10 raising Rs 500 Crore funds through Fresh Issue in July, 2023.

In 2023, Bank launched Micro LAP Product. It opened 287 new ATMs and 546 Micro ATMs.

Vendor Management System launched in 2024. The Bank launched Capital Market Business as an approved Bank towards Collateral Deposits with Exchange Members and further launched AD II Business towards Cross Border Outward Remittances under Liberalized Remittance Scheme (LRS).

Total deposits increased to Rs 21,566 crore as on March 31, 2025, from Rs 17,473 crore as on March 31, 2024. Net Advances increased to Rs 18,716 crore as on March 31, 2025, from Rs 16,365 crore as on March 31, 2024. Bank's operating profit increased to Rs 1,007 crore for FY25 from Rs 997 crore in FY24. Bank reported annual profit of Rs 24 crore for FY25. The Bank added 204 new branches (55 general banking & 149 micro banking), to scale the outreach, taking total banking outlets to 1,092 in FY25.

Parent organization Indian Private
NSE symbol UTKARSHBNK
Founded 2016
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Frequently Asked Questions

What is the Current Share Price of Utkarsh Small Finance Bank Ltd?

Answer Field

Utkarsh Small Finance Bank Ltd share price is for NSE ₹ 21.13 & for BSE ₹ 21.17 as on Sep 02 2025 03:30 PM.

What is the Market Cap of Utkarsh Small Finance Bank Ltd Share?

Answer Field

The market cap of Utkarsh Small Finance Bank Ltd for NSE ₹ 2,327.70 & for BSE ₹ 0.00 as on Sep 02 2025 03:30 PM.

What is the 52 Week High and Low of Utkarsh Small Finance Bank Ltd?

Answer Field

The 52 Week High and Low of Utkarsh Small Finance Bank Ltd for NSE is ₹ 50.10 and ₹ 19.90 and for BSE is ₹ 50.00 and ₹ 19.35.

What is 1 year return for Utkarsh Small Finance Bank Ltd?

Answer Field

The 1 year returns on the stock has been -57.67%.

What is the P/E Ratio of Utkarsh Small Finance Bank Ltd Share?

Answer Field

As on Sep 02 2025 03:30 PM the price-to-earnings (PE) ratio for Utkarsh Small Finance Bank Ltd share is -6.50.

What is the PB ratio of Utkarsh Small Finance Bank Ltd Share?

Answer Field

As on Sep 02 2025 03:30 PM, the price-to-book (PB) ratio for Utkarsh Small Finance Bank Ltd share is 27.00.

How to Buy Utkarsh Small Finance Bank Ltd Share?

Answer Field

You can trade in Utkarsh Small Finance Bank Ltd shares with Bajaj Broking by opening a demat account.

How to Buy Utkarsh Small Finance Bank Ltd Share on Bajaj Broking App?

Answer Field

To buy Utkarsh Small Finance Bank Ltd shares on the Bajaj Broking app, follow these steps:

• Login to the Bajaj Broking App

• Click on the Search Icon

• Search “Utkarsh Small Finance Bank Ltd”

• Click on the BUY icon

• Place a buy order specifying the desired quantity of shares.

• Click BUY again to complete the purchase

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