How to Buy Utkarsh Small Finance Bank Ltd Shares?
You can easily buy the stocks/shares of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) on Tickertape or through broker platform by opening a Demat & Trading account onlineWhat is the Share Price of Utkarsh Small Finance Bank Ltd?
The stock prices are volatile and keep changing through the day depending upon various factors and market conditions. The Share price of UTKARSHBNK as on 15th May 2025 is ₹23.52What is the return on Utkarsh Small Finance Bank Ltd share?
The past returns of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) share are- Past 1 week: N/A
- Past 1 month: N/A
- Past 3 months: 6.44
- Past 6 months: -31.89
- Past 1 year: -54.19
- Past 3 years: N/A
- Past 5 years: -50.40
What is the Dividend yield % on Utkarsh Small Finance Bank Ltd share?
The current dividend yield of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) is N/AWhat is the Market Cap of Utkarsh Small Finance Bank Ltd?
Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) is ₹2637.25Cr as of 15th May 2025What is the 52 Week High and Low of Utkarsh Small Finance Bank Ltd?
The 52-week high and low of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) is ₹53.05 and ₹21.25.What is the PE and PB ratio of Utkarsh Small Finance Bank Ltd?
The P/E (price-to-earnings) and P/B (price-to-book) ratios of Utkarsh Small Finance Bank Ltd are 111.28 and 0.89 respectively.Which sector does Utkarsh Small Finance Bank Ltd belong to?
Utkarsh Small Finance Bank Ltd (UTKARSHBNK) belongs to the Financials sector & Diversified Financials sub-sector.What are the peers or stocks similar to Utkarsh Small Finance Bank Ltd?
The peers or stocks similar to Utkarsh Small Finance Bank Ltd are: and many others.Can't decide whether or not to buy Utkarsh Small Finance Bank Ltd?
Worry no more! Login to Tickertape and check out Utkarsh Small Finance Bank Ltd (UTKARSHBNK) scorecard & all the relevant insights today5. Test Stocks FAQ What is the 52 Week High and Low of Utkarsh Small Finance Bank Ltd?
The 52-week high and low of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) is ₹53.05 and ₹21.25.1. Test Stocks FAQ for Utkarsh Small Finance Bank Ltd Shares?
You can easily buy the stocks/shares of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) on Tickertape or through broker platform by opening a Google & Trading account online3. Test Stocks FAQ What is the Share Price of Utkarsh Small Finance Bank Ltd?
The stock prices are volatile and keep changing through the day depending upon various factors and market conditions. The Share price of UTKARSHBNK as on 15th May 2025 is ₹23.52
Utkarsh Small Finance Bank Ltd
UTKARSHBNK Share Price
UTKARSHBNK Stock Scorecard
Performance
LowHasn't fared well - amongst the low performers
Valuation
HighSeems to be overvalued vs the market average
Growth
LowLagging behind the market in financials growth
Profitability
HighShowing good signs of profitability & efficiency
Entry point
GoodThe stock is underpriced and is not in the overbought zone
Red flags
LowNo red flag found
How to use scorecard? Learn more
UTKARSHBNK Performance & Key Metrics
UTKARSHBNK Performance & Key Metrics
No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
---|---|---|
111.28 | 0.89 | — |
Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
---|---|---|
17.17 | 2.58 | 1.15% |
from 2 analysts
Price Upside
Earnings Growth
Rev. Growth
UTKARSHBNK Company Profile
Utkarsh Small Finance Bank Ltd is an India-based small finance bank providing banking and financial services focused on microfinance for underserved sections, with operations in rural and semi-urban areas.
UTKARSHBNK Sentiment Analysis
UTKARSHBNK Sentiment Analysis
UTKARSHBNK Stock Summary · January 2025
Company is navigating a complex landscape characterized by declining market share in deposits, challenges in meeting Priority Sector Lending (PSL) obligations, and fluctuations in current account flows. Despite these hurdles, the bank is focusing on enhancing customer engagement and service delivery to drive deposit growth, with recent monthly inflows showing a positive trend. The management emphasizes a strategic approach to maintaining profitability over aggressive expansion, particularly in light of competitive pressures and a tight liquidity environment. Efforts to improve operational efficiencies through digitization and a commitment to stable cost management are underway, alongside a proactive strategy to reduce borrowings and strengthen the balance sheet. Overall, while facing short-term challenges, the bank remains optimistic about future performance and is committed to achieving sustainable growth through strategic investments and improved customer outreach.
UTKARSHBNK Stock Growth Drivers
UTKARSHBNK Stock Growth Drivers
4Focus on Sustainable Growth
Company is prioritizing profitable growth over mere expansion, emphasizing a strategy that encourages ground-level teams
Stable Financial Metrics
The company has maintained a return on assets (ROA) of 1.9% post-merger, showcasing stability in
UTKARSHBNK Stock Challenges
UTKARSHBNK Stock Challenges
4Deposit Growth Shortfalls
The company has experienced deposit growth that has not met expectations, attributed to seasonal trends
Loan Growth Concerns
There is uncertainty regarding the company's loan deposit ratio (LDR) and its implications for loan
UTKARSHBNK Forecast
What are forecasts?
What are forecasts?
Forecasting uses historical data as inputs to make informed predictive estimates determining the direction of future trends. Price, revenue & earnings forecasts represent where the stock level, business prospects and profits are potentially expected to be at the end of the forecast period
UTKARSHBNK Forecasts
Price
Revenue
Earnings
UTKARSHBNK Share Price Forecast
UTKARSHBNK Share Price Forecast
All values in ₹
All values in ₹
UTKARSHBNK Company Revenue Forecast
UTKARSHBNK Company Revenue Forecast
All values in ₹ Thousand cr.
All values in ₹ Thousand cr.
UTKARSHBNK Stock EPS (Earnings Per Share) Forecast
UTKARSHBNK Stock EPS (Earnings Per Share) Forecast
All values in ₹
All values in ₹
UTKARSHBNK
UTKARSHBNK
Income
Balance Sheet
Cash Flow
UTKARSHBNK Income Statement
UTKARSHBNK Income Statement
Financial Year | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | ||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Revenue | 90.21 | 561.86 | 939.09 | 1,406.25 | 1,705.84 | 2,033.64 | 2,804.29 | 3,578.81 | 4,364.76 | 4,364.81 | ||||||||||
Raw Materials | — | — | — | — | — | — | — | — | 4,337.11 | 4,337.17 | ||||||||||
Power & Fuel Cost | — | — | — | — | — | — | — | — | ||||||||||||
Employee Cost | 20.74 | 126.58 | 186.57 | 262.16 | 326.20 | 429.83 | 570.06 | 736.95 | ||||||||||||
Selling & Administrative Expenses | 5.40 | 31.99 | 61.87 | 92.27 | 84.84 | 119.28 | 162.51 | 195.95 | ||||||||||||
Operating & Other expenses | 56.12 | 481.73 | 525.54 | 775.98 | 1,113.78 | 1,363.94 | 1,477.26 | 1,921.25 | ||||||||||||
EBITDA | 7.95 | -78.44 | 165.11 | 275.84 | 181.02 | 120.59 | 594.46 | 724.66 | 27.65 | 27.64 | ||||||||||
Depreciation/Amortization | 1.41 | 16.37 | 16.29 | 25.41 | 29.58 | 40.88 | 58.66 | 65.27 | 0.00 | — | ||||||||||
PBIT | 6.54 | -94.81 | 148.82 | 250.43 | 151.44 | 79.71 | 535.80 | 659.39 | 27.65 | 27.64 | ||||||||||
Interest & Other Items | — | — | — | — | — | — | — | — | — | — | ||||||||||
PBT | 6.54 | -94.81 | 148.82 | 250.43 | 151.44 | 79.71 | 535.80 | 659.39 | 27.65 | 27.64 | ||||||||||
Taxes & Other Items | 1.69 | -31.79 | 54.92 | 63.67 | 39.62 | 18.25 | 131.31 | 161.76 | 3.95 | 3.94 | ||||||||||
Net Income | 4.85 | -63.02 | 93.90 | 186.76 | 111.82 | 61.46 | 404.49 | 497.63 | 23.70 | 23.70 | ||||||||||
EPS | 0.16 | -1.64 | 1.56 | 2.50 | 1.39 | 0.70 | 4.52 | 4.99 | 0.22 | 0.22 | ||||||||||
DPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.50 | 0.00 | 1.00 | ||||||||||
Payout ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.10 | 0.00 | 4.64 |
UTKARSHBNK Company Updates
UTKARSHBNK Stock Peers
What are peers and why compare against them?
What are peers and why compare against them?
A stock's peers are companies which have similar business interests, operations and belong to the same industry sector. Comparing various metrics against peers can give valuable insights on whether the company's stock is over/under-valued and the company's growth outlook vs the industry as a whole
UTKARSHBNK Past Performance & Peer Comparison
UTKARSHBNK Past Performance & Peer Comparison
FinancialsDiversified Financials
Valuation
Technical
Forecast
Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
---|---|---|---|
Utkarsh Small Finance Bank Ltd | 111.28 | 0.89 | — |
Aditya Birla Capital Ltd | 21.33 | 2.48 | — |
Motilal Oswal Financial Services Ltd | 37.44 | 7.32 | — |
Cholamandalam Financial Holdings Ltd | 17.52 | 1.72 | 0.06% |
UTKARSHBNK Stock Price Comparison
Compare UTKARSHBNK with any stock or ETFUTKARSHBNK Holdings
UTKARSHBNK Shareholdings
What are shareholdings?
What are shareholdings?
Apart from retail investors, a company’s shares are held by promoters, foreign & domestic institutions (large investors) and mutual funds. Promoters are the ship captains and control the company’s direction. Along with institutional and mutual fund holdings, a change in their holdings can indicate performance outlook for the stock
UTKARSHBNK Promoter Holdings Trend
UTKARSHBNK Promoter Holdings Trend
In last 6 months, promoter holding in the company has almost stayed constant
Pledged promoter holdings is insignificant
UTKARSHBNK Institutional Holdings Trend
UTKARSHBNK Institutional Holdings Trend
In last 3 months, retail holding in the company has almost stayed constant
In last 3 months, foreign institutional holding of the company has almost stayed constant
UTKARSHBNK Shareholding Pattern
UTKARSHBNK Shareholding Pattern
UTKARSHBNK Shareholding History
UTKARSHBNK Shareholding History
Mutual Funds Invested in UTKARSHBNK
Mutual Funds Invested in UTKARSHBNK
No mutual funds holding trends are available
Top 5 Mutual Funds holding Utkarsh Small Finance Bank Ltd
Funds (Top 5) | The rupee value of the stock held by the fund divided by the stock’s market cap Market-cap held | Percentage of the fund’s portfolio invested in the stock Weight | Change in the portfolio weight of the stock over the last 3 months 3M holding change | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months Portfolio rank(3M change) |
---|---|---|---|---|
The rupee value of the stock held by the fund divided by the stock’s market cap 2.7151% | Percentage of the fund’s portfolio invested in the stock 0.46% | Change in the portfolio weight of the stock over the last 3 months 0.46% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 74/85 (-30) | |
The rupee value of the stock held by the fund divided by the stock’s market cap 0.7643% | Percentage of the fund’s portfolio invested in the stock 1.01% | Change in the portfolio weight of the stock over the last 3 months -0.23% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 26/36 (-3) | |
The rupee value of the stock held by the fund divided by the stock’s market cap 0.5324% | Percentage of the fund’s portfolio invested in the stock 0.86% | Change in the portfolio weight of the stock over the last 3 months -0.16% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 70/85 (-11) |
Compare 3-month MF holding change on Screener
smallcases containing UTKARSHBNK stock
smallcases containing UTKARSHBNK stock
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UTKARSHBNK Events
UTKARSHBNK Events
UTKARSHBNK Dividend Trend
No dividend trend available
Dividends
Corp. Actions
Announcements
Legal Orders
What are dividends?
What are dividends?
Dividends are a portion of earnings that a company distributes to all its shareholders every year. Dividend return is one of the most important things to be considered while investing for long term. It’s the additional return on top of what investors earn through price appreciation
UTKARSHBNK Dividend Trend
No dividend trend available
UTKARSHBNK Upcoming Dividends
UTKARSHBNK Upcoming Dividends
No upcoming dividends are available
UTKARSHBNK Past Dividends
UTKARSHBNK Past Dividends
Cash Dividend
Ex DateEx DateJul 12, 2024
Dividend/Share
₹0.50
Ex DateEx Date
Jul 12, 2024
Cash Dividend
Ex DateEx DateJul 11, 2024
Dividend/Share
₹0.50
Ex DateEx Date
Jul 11, 2024
UTKARSHBNK Stock News & Opinions
UTKARSHBNK Stock News & Opinions
The agency has reaffirmed its '[ICRA] A1+' rating on the short-term bank facilities of the bank. ICRA stated that the revision in the outlook to 'negative' considers the significant deterioration in Utkarsh Small Finance Bank's (Utkarsh) asset quality and earnings profile in FY2025 and the subdued performance expected in the near term. The deterioration in the asset quality was primarily on account of higher slippages in the microfinance portfolio due to various factors including, but not limited to, overleveraging by borrowers, worsened credit discipline, adverse climatic conditions and other operational challenges like employee attrition. ICRA takes note of the corrective measures being taken by the bank. Although incremental inflow to the special mention account (SMA) bucket has slowed down, the near-term performance shall remain monitorable considering the tightened guardrails for the microfinance sector. Further, the asset quality in Utkarsh's relatively newer product segments remains monitorable, given the sizeable scaleup in the last 2-3 years. Given the deterioration in the asset quality, the bank's solvency has weakened. However, Utkarsh continues to maintain an adequate capitalisation profile. Further, it is in the process of raising Tier I equity capital up to Rs 750 crore in the near-term, which shall help it maintain a prudent capitalisation profile while providing for the deterioration in the asset quality. ICRA also takes note of the gradual improvement in Utkarsh's deposit franchise with the share of retail deposits (retail term deposits + current account savings account (CASA)) increasing to 71% as of March 2025 from 66% as of March 2024. The share of CASA in total deposits stood at 22% as on 31 March 2025, similar to the March 2024 level. Going forward, the bank's ability to improve the share of the relatively lower-cost CASA deposits and keep the deposit profile granular shall remain important. Utkarsh Micro Finance received a small finance bank (SFB) licence from the Reserve Bank of India (RBI) in November 2016 and completed the conversion to an SFB in January 2017. Operating in 27 states/Union Territories (UTs), as on 31 March 2025, Utkarsh offers deposits, micro-banking loans, micro, small and medium enterprise (MSME) loans, affordable housing loans and corporate loans, among other products. The scrip had gained 0.17% to end at Rs 23.52 on the BSE today. Powered by Capital Market - Live
Net profit of Utkarsh Small Finance Bank declined 98.14% to Rs 2.97 crore in the quarter ended March 2025 as against Rs 159.66 crore during the previous quarter ended March 2024. Total Operating Income declined 1.79% to Rs 879.62 crore in the quarter ended March 2025 as against Rs 895.62 crore during the previous quarter ended March 2024. For the full year,net profit declined 95.24% to Rs 23.70 crore in the year ended March 2025 as against Rs 497.63 crore during the previous year ended March 2024. Total Operating Income rose 18.45% to Rs 3764.93 crore in the year ended March 2025 as against Rs 3178.41 crore during the previous year ended March 2024. ParticularsQuarter EndedYear EndedMar. 2025Mar. 2024% Var.Mar. 2025Mar. 2024% Var. Total Operating Income879.62895.62 -2 3764.933178.41 18 OPM %21.8749.50 -31.0748.82 - PBDT11.28208.35 -95 27.65659.39 -96 PBT11.28208.35 -95 27.65659.39 -96 NP2.97159.66 -98 23.70497.63 -95 Powered by Capital Market - Live
Utkarsh Small Finance Bank will hold a meeting of the Board of Directors of the Company on 3 May 2025.Powered by Capital Market - Live
On a sequential basis, the bank's loan book registered a growth of 3.2%. The gross loan portfolio as of 31 December 2024 stood at Rs 19,057 crore. Total deposits of the bank amounted to Rs 21,566 crore as of 31 March 2025, reflecting a 23.42% YoY increase and a 6.9% QoQ rise. Retail term deposits and bulk term deposits totaled Rs 10,635 crore (up 33.5% YoY) and Rs 6,238 crore (up 5.3% YoY), respectively. The CASA ratio stood at 21.8% as of 31 March 2025, compared to 20.5% as of 31 March 2024 and 19.7% as of 31 December 2024. Collection efficiency (excluding pre-payments) for the bank's micro banking loan portfolio for Q4 FY25 was 99.1%. The liquidity coverage ratio (LCR) stood at 193% as of 31 March 2025. Utkarsh Small Finance Bank is engaged in providing banking and financial services with a focus on providing financial services to the underserved and unserved sections. The bank's microfinance lending activities are primarily focused in rural and semi-urban locations of the country, while its other services are spread across the country. The bank reported a net loss of Rs 168.05 crore in Q3 FY25 as against a net profit of Rs 116.06 crore recorded in Q3 FY24. Total income jumped 16.8% year on year (YoY) to Rs 1,037.92 crore in the quarter ended 31 December 2024. The scrip declined 4.89% to currently trade at Rs 22.15 on the BSE.Powered by Capital Market - Live
The Board of Utkarsh Small Finance Bank at its meeting held on 26 February 2025 has approved fund raising up to Rs 750 crore by way of issuance of equity shares. Powered by Capital Market - Live
Utkarsh Small Finance Bank will hold a meeting of the Board of Directors of the Company on 26 February 2025.Powered by Capital Market - Live
Net loss of Utkarsh Small Finance Bank reported to Rs 168.05 crore in the quarter ended December 2024 as against net profit of Rs 116.06 crore during the previous quarter ended December 2023. Total Operating Income rose 15.69% to Rs 932.43 crore in the quarter ended December 2024 as against Rs 805.98 crore during the previous quarter ended December 2023. ParticularsQuarter EndedDec. 2024Dec. 2023% Var. Total Operating Income932.43805.98 16 OPM %11.6848.77 - PBDT-237.94152.05 PL PBT-237.94152.05 PL NP-168.05116.06 PL Powered by Capital Market - Live
Utkarsh Small Finance Bank will hold a meeting of the Board of Directors of the Company on 14 February 2025.Powered by Capital Market - Live
Utkarsh Small Finance Bank announced the cessation of Kajal Ghose (DIN: 07702190) as Independent Director of the Bank on completion of two consecutive terms with effect from 16 January 2025. Powered by Capital Market - Live
On a sequential basis, the bank's loan book has de-grown by 0.2%. Gross loan portfolio as on 30 September 2024 stood at Rs 19,101 crore. Total deposits of the bank added up to Rs 20,172 crore as on 31 December 2024, up 33.5% YoY and up 3.5% QoQ. Retail term deposits and bulk term deposits aggregated to Rs 10,163 crore (up 40.6% YoY) and Rs 6,036 crore (up 24% YoY), respectively. CASA ratio was at 19.7% as on 31 December 2024 as against 20% as on 31 December 2023 and 19.6% as on 30 September 2024. Collection efficiency (excluding pre-payments, including NPA portfolio) for the bank's micro banking loan portfolio for Q3 FY25 was 87.7%. Liquidity coverage ratio (LCR) stood at 184% as on 31 December 2024. Utkarsh Small Finance Bank is engaged in providing banking and financial services with a focus on providing financial services to the underserved and unserved sections. The bank's microfinance lending activities are primarily focused in rural and semi-urban locations of the country while its other services are spread across the country. The bank's standalone net profit tumbled 55.08% to Rs 51.39 crore in Q2 FY25 as against Rs 114.42 crore recorded in Q2 FY24. However, the banks total income jumped 26.47% YoY to Rs 1,089.54 crore in the quarter ended 30 September 2024. The scrip declined 3.33% to currently trade at Rs 33 on the BSE. Powered by Capital Market - Live
Over the last 5 years, revenue has grown at a yearly rate of 30.68%, vs industry avg of 11.35%
Over the last 5 years, market share increased from 0.99% to 2.75%
Over the last 5 years, net income has grown at a yearly rate of 39.59%, vs industry avg of 22.74%