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Utkarsh Small Finance Bank Ltd

UTKARSHBNK Share Price

23.522.24% (-0.54)
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Smallcap

With a market cap of ₹2,637 cr, stock is ranked 1,015

Stock is 2.87x as volatile as Nifty

UTKARSHBNK Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

High

Showing good signs of profitability & efficiency

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

Smallcap

With a market cap of ₹2,637 cr, stock is ranked 1,015

Stock is 2.87x as volatile as Nifty

UTKARSHBNK Performance & Key Metrics

UTKARSHBNK Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
111.280.89
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.172.581.15%

UTKARSHBNK Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
50%
Analysts have suggested that investors can buy this stock

from 2 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

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.

Investor Presentation

View older View older 

May 3, 2025

PDF
View Older Presentations

UTKARSHBNK Similar Stocks (Peers)

Compare with peers Compare with peers 

UTKARSHBNK Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
21.33
21.33
1Y Return
16.50%
16.50%
Buy Reco %
100.00
100.00
PE Ratio
37.44
37.44
1Y Return
38.45%
38.45%
Buy Reco %
100.00
100.00
PE Ratio
17.52
17.52
1Y Return
58.83%
58.83%
Buy Reco %
100.00
100.00
PE Ratio
27.40
27.40
1Y Return
60.76%
60.76%
Buy Reco %
100.00
100.00
PE Ratio
52.44
52.44
1Y Return
26.71%
26.71%
Buy Reco %
16.67
16.67
Compare with Peers

UTKARSHBNK Sentiment Analysis

UTKARSHBNK Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

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
4
  • Focus 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
4
  • Deposit 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

UTKARSHBNK

Income

Balance Sheet

Cash Flow

UTKARSHBNK Income Statement

UTKARSHBNK Income Statement

Industry refers to the sub-sector this company belongs to.
Higher than Industry Revenue Growth
A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 30.68%, vs industry avg of 11.35%

Increasing Market Share
Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 0.99% to 2.75%

Higher than Industry Net Income
Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 39.59%, vs industry avg of 22.74%

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Financial YearFY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue90.21561.86939.091,406.251,705.842,033.642,804.293,578.814,364.764,364.81
Raw Materialssubtract4,337.114,337.17
Power & Fuel Costsubtract
Employee Costsubtract20.74126.58186.57262.16326.20429.83570.06736.95
Selling & Administrative Expensessubtract5.4031.9961.8792.2784.84119.28162.51195.95
Operating & Other expensessubtract56.12481.73525.54775.981,113.781,363.941,477.261,921.25
Depreciation/Amortizationsubtract1.4116.3716.2925.4129.5840.8858.6665.270.00
Interest & Other Itemssubtract
Taxes & Other Itemssubtract1.69-31.7954.9263.6739.6218.25131.31161.763.953.94
EPS0.16-1.641.562.501.390.704.524.990.220.22
DPS0.000.000.000.000.000.000.000.500.001.00
Payout ratio0.000.000.000.000.000.000.000.100.004.64

UTKARSHBNK Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2025FY 2025

Annual Report Pending

Investor Presentation

May 3PDF
FY 2024FY 2024

Annual report

PDF
 

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

Comparing 3 stocks from 
FinancialsDiversified Financials

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Utkarsh Small Finance Bank Ltd111.280.89
Aditya Birla Capital Ltd21.332.48
Motilal Oswal Financial Services Ltd37.447.32
Cholamandalam Financial Holdings Ltd17.521.720.06%

UTKARSHBNK Stock Price Comparison

Compare UTKARSHBNK with any stock or ETF
Compare UTKARSHBNK with any stock or ETF
UTKARSHBNK
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UTKARSHBNK 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

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

UTKARSHBNK Institutional Holdings Trend

UTKARSHBNK Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

UTKARSHBNK Shareholding Pattern

UTKARSHBNK Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding68.92%4.72%2.32%0.99%23.05%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

UTKARSHBNK Shareholding History

UTKARSHBNK Shareholding History

Dec '23MarJunSepDec '24Mar0.74%0.87%0.95%0.99%1.34%0.99%

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)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
2.7151%0.46%0.46%74/85 (-30)
0.7643%1.01%-0.23%26/36 (-3)
0.5324%0.86%-0.16%70/85 (-11)

Compare 3-month MF holding change on Screener

UTKARSHBNK Insider Trades & Bulk Stock Deals

UTKARSHBNK Insider Trades & Bulk Stock Deals

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smallcases containing UTKARSHBNK stock

smallcases containing UTKARSHBNK stock

Looks like this stock is not in any smallcase yet.

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

Final
Final | Div/Share: ₹0.50

Dividend/Share

0.50

Ex DateEx Date

Jul 12, 2024

Cash Dividend

Ex DateEx DateJul 11, 2024

Final
Final | Div/Share: ₹0.50

Dividend/Share

0.50

Ex DateEx Date

Jul 11, 2024

UTKARSHBNK Stock News & Opinions

UTKARSHBNK Stock News & Opinions

Spotlight
ICRA revises its outlook on LT rating of Utkarsh Small Finance Bank to 'negative'

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

1 month agoCapital Market - Live
Earnings
Utkarsh Small Finance Bank standalone net profit declines 98.14% in the March 2025 quarter

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

1 month agoCapital Market - Live
Corporate
Utkarsh Small Finance Bank to discuss results

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

1 month agoCapital Market - Live
Spotlight
Utkarsh SFB posts 7% YoY rise in loan book in Q4; total deposits at Rs 21,566 crore

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

2 months agoCapital Market - Live
Corporate
Board of Utkarsh Small Finance Bank approves equity issuance up to Rs 750 cr

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

3 months agoCapital Market - Live
Corporate
Utkarsh Small Finance Bank to hold board meeting

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

4 months agoCapital Market - Live
Earnings
Utkarsh Small Finance Bank reports standalone net loss of Rs 168.05 crore in the December 2024 quarter

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

4 months agoCapital Market - Live
Corporate
Utkarsh Small Finance Bank to conduct board meeting

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

4 months agoCapital Market - Live
Corporate
Utkarsh Small Finance Bank announces cessation of director

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

5 months agoCapital Market - Live
Spotlight
Utkarsh SFB posts over 16% YoY rise in loan book in Q3; total deposits at Rs 20,172 crore

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

5 months agoCapital Market - Live

UTKARSHBNK Stock FAQs

UTKARSHBNK Stock FAQs

  1. 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 online

  2. 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

  3. What 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

  4. 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/A

  5. What 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 2025

  6. 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.

  7. 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.

  8. 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.

  9. What are the peers or stocks similar to Utkarsh Small Finance Bank Ltd?
  10. 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 today

  11. 5. 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.

  12. 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 online

  13. 3. 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