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Utkarsh Small Finance Bank Ltd.

BankBank - Private

www.utkarsh.bank.in BSE: 543942NSE: UTKARSHBNK

₹13.90BSE1.70%

16 Sep, 4:01 PM

₹13.90

₹2.46K Cr

0.00

0.92

-40.73%

₹14.41

₹13.78

₹22.02

₹10.15

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Price Performance

Peer Comparison

Name
HDFC BANK HDFCBANK	722.40	14.73	11,13,520.30	2.15	19,059.72	4.98%	79,362.78	2.44%	12.91
ICICI BANK ICICIBANK	1,359.00	18.69	9,75,515.99	0.88	14,804.50	15.95%	45,670.78	6.34%	17.11
KOTAK MAH.BK KOTAKBANK	414.90	27.80	4,12,728.25	0.16	4,122.96	25.64%	14,477.49	4.63%	12.21
AXIS BANK AXISBANK	1,243.95	15.03	3,87,294.64	0.08	7,113.92	22.52%	33,985.63	9.41%	10.93
IDBI BANK L IDBI	82.87	9.26	89,105.16	0.00	2,115.18	5.37%	7,541.44	7.41%	15.30
FEDERAL BANK FEDERALBNK	342.00	19.08	84,560.77	0.35	1,176.93	36.57%	7,238.31	8.25%	11.07
AUBANK AUBANK	1,035.40	27.22	77,757.48	0.10	795.95	37.03%	5,302.74	21.11%	14.17
Utkarsh Small Finance Bank Ltd. UTKARSHBNK	13.90	0.00	2,459.30	0.00	-33.92	85.84%	883.56	0.30%	-24.00

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	965.92	986.95	932.43	879.62	880.91	839.97	821.15	836.75	883.56
Expenses	366.53	384.34	400.35	464.54	447.92	451.15	473.18	479.11	477.32
	311.28	276.41	185.26	233.98	91.64	-3.32	-44.28	12.31	63.57
	32.23%	28.01%	19.87%	26.60%	10.40%	-0.40%	-5.39%	1.47%	7.19%
Provisions and Contingencies	125.04	208.34	423.20	222.70	410.51	461.65	446.41	244.39	108.98
	104.65	102.59	105.49	287.11	137.75	97.35	80.56	115.32	118.81
Interest	392.75	428.79	452.31	468.22	479.09	489.50	472.80	460.65	461.49
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	186.24	68.07	-237.94	11.28	-318.87	-464.97	-490.69	-232.08	-45.42
	26.23%	24.51%	29.37%	73.69%	24.90%	25.06%	23.57%	18.99%	25.31%
	137.40	51.39	-168.06	2.97	-239.48	-348.47	-375.02	-188.02	-33.92
	1.25	0.47	-1.53	0.03	-2.17	-3.16	-2.11	-1.06	-0.19

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
I. INCOME
Interest Earned	1,848.81	2,504.98	3,178.41	3,764.93	3,378.78
	184.83	299.31	400.34	599.83	430.97
	2,033.65	2,804.29	3,578.75	4,364.76	3,809.75
II. EXPENDITURE
Interest Expended	787.96	975.95	1,292.61	1,742.06	1,902.04
Operating Expenses	733.75	990.01	1,288.88	1,615.77	1,851.36
Provisions and Contingencies	432.22	302.51	337.88	979.28	1,562.97
	79.71	535.81	659.39	27.65	-1,506.62
Taxes	18.25	131.31	161.76	3.95	-355.64
	61.46	404.50	497.63	23.70	-1,150.98
Extra items				0.00	0.00
Consolidated Net Profit	61.46	404.50	497.63	23.70	-1,150.98
IV. APPROPRIATIONS	268.71	658.23	1,067.04	960.40	-271.74
Equity Dividend %			5.00%
	0.69	4.52	4.53	0.22	-6.47
Adjusted EPS	0.58	3.83	3.84	0.18	-6.47

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
SOURCES OF FUNDS:
	895.52	895.90	1,099.46	1,101.61	1,779.52
Share Warrants & Outstandings	6.36	18.04	21.60	43.71	54.63
Total Reserves	670.41	1,086.37	1,852.13	1,829.18	941.45
Reserve excluding Revaluation Reserve	670.41	1,086.37	1,852.13	1,829.18	941.45
Revaluation Reserves	0.00
Deposits	10,074.18	13,710.14	17,472.60	21,565.70	21,653.98
	2,571.94	2,349.48	1,995.08	2,354.77	2,829.44
Other Liabilities & Provisions	845.36	1,057.36	1,461.81	1,232.47	1,610.05
Total Liabilities	15,063.77	19,117.29	23,902.68	28,127.44	28,869.07
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India	1,797.90	1,192.06	1,246.90	2,638.28	1,692.14
Balances with banks and money at call	73.75	1,324.31	1,780.57	798.34	629.08
Investments	2,347.92	2,859.42	3,679.47	4,957.89	6,914.05
Investments in India	2,347.92	2,859.42	3,679.47	4,957.89	6,914.05
Investments outside India	0.00
Advances	10,228.15	13,068.77	16,364.81	18,716.48	18,069.59
Gross block	413.30	482.11	538.72	630.65	685.34
Less: Accumulated Depreciation	127.69	180.62	237.43	306.74	352.64
Net Block	285.61	301.49	301.29	323.92	332.70
Capital Work in Progress	0.92	1.83	10.28	63.00	125.13
Other Assets	329.52	369.42	519.36	629.53	1,106.38
Total Assets	15,063.77	19,117.29	23,902.68	28,127.44	28,869.07
Contingent Liabilities	56.42	63.35	76.67	89.43	76.80
	17.49	22.13	26.85	26.60	15.29
Adjusted Book Value	14.85	18.79	22.79	22.59	15.29

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
Net Profit Before Taxes	79.71	535.81	659.39	27.65	-1,506.61
Adjustments for Expenses & Provisions :	479.65	390.78	426.94	842.10	1,185.06
Adjustments for Liabilities & Assets:	824.17	717.25	-31.49	-105.01	1,105.31
Refund/(payment) of direct taxes	-54.38	-70.71	-63.59	110.84	-3.07
Cash Flow from operating activities	1,329.16	1,573.13	991.23	875.58	780.69
Cash Flow from investing activities	-738.67	-693.15	-619.80	-776.88	-3,308.58
Cash Flow from financing activities	111.35	-235.27	139.67	310.45	1,412.49
Net increase/(decrease) in cash and cash equivalents	701.83	644.71	511.11	409.15	-1,115.39
Opening Cash & Cash Equivalents	1,169.82	1,871.65	2,516.36	3,027.43	3,436.58
Closing Cash & Cash Equivalent	1,871.65	2,516.36	3,027.47	3,436.58	2,321.19

Ratios

Valuation

0.92

127.20

0.73

-5.31

15.10

Profitability

-40.73

-24.00

-4.04

1.67

-34.06

Leverage & Liquidity

1.04

Returns

0.00

Banking Metrics

5.41

7.71

3.29

83.45

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26
	69.02	68.94	68.93	68.92	68.92	68.92	42.67	42.67	42.67
	11.56	11.01	9.58	8.03	4.64	4.08	21.56	21.06	21.45
	19.43	20.05	21.50	23.05	26.43	27.00	35.78	36.28	35.88
	30.98	31.06	31.07	31.08	31.08	31.08	57.33	57.33	57.33
No. of Shareholders	2,15,133	2,27,886	2,40,592	2,43,613	2,48,311	2,49,372	2,76,742	2,82,993	2,79,233

Corporate Actions

Showing: All

Date	Type	Details
2026-07-29	Board Meeting	Quarterly Results
2026-07-16	Board Meeting	Inter alia, to consider and approve the execution of a supplementary debenture trust deed (the Supplementary Deed ) to the Debenture Trust Deed dated June 26, 2020, entered into between the Bank and IDBI Trusteeship Services Limited, in its capacity as the debenture trustee (the Debenture Trustee ). The proposed Supplementary Deed seeks to amend certain terms and conditions governing the aforesaid Debentures, including provisions relating to the Call Option Date, the exercise of the call option by the Bank and the early redemption of the Debentures, in line with the approval received from the Reserve Bank of India and subject to such necessary approvals, as may be required in accordance with the applicable laws
2026-07-10	AGM

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

BankBank - Private

Utkarsh Small Finance Bank Ltd. operates in the Bank sector under the Bank - Private industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

11 members across the board and senior leadership

Muthiah Ganapathy

Company Secretary & Compliance Officer

—

Kshatrapati Shivaji

Chairman

₹38.80 L

Mar '26

Parveen Kumar Gupta