Utkarsh Small FIN Bank L
NSE: UTKARSHBNK · Other Bank · sector
₹11.72NSE close 2026-10-26
Key numbers
Market cap₹2,086 cr
Price₹11.72
52w high / low₹22 / ₹10
P/E–Sector median 12.4x
P/B0.8xSector median 1.1x
Book value₹15.6
Dividend yield–Sector median 0.11%
ROE-32.9%Sector median 8.8%
ROA-3.27%Sector median 0.84%
Gross NPA6.09%
Net NPA2.86%
CET117.44%
Sales growth 3y–Sector median +31.9%
Profit growth 3y–Sector median +7.1%
PEG–
Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 9 companies in Other Bank (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- Promoter holding fell by 26.25 percentage points in a year, to 42.67% (2026-09-30).
- Net loss in 6 of the last 8 quarters.
- Total income was higher than a year earlier in 1 of the last 4 quarters.
- Dividend paid in 1 of the last 3 financial years.
- Price ₹11.72 on 2026-10-26: -46.8% from the 52-week high, +15.8% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹46.83 · low ₹11.33
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 987 | 932 | 880 | 881 | 840 | 821 | 837 | 884 |
| Net interest income | 558 | 480 | 411 | 402 | 350 | 348 | 376 | 422 |
| Operating profit | 276 | 185 | 234 | 92 | -3 | -44 | 12 | 64 |
| Other income | 103 | 105 | 287 | 138 | 97 | 81 | 115 | 119 |
| Net profit | 51 | -168 | 3 | -239 | -348 | -375 | -188 | -34 |
| EPS (₹) | 0.47 | -1.53 | 0.03 | -2.17 | -3.16 | -2.46 | -1.06 | -0.19 |
| Gross NPA % | 0.04 | 0.06 | 9.43 | 11.42 | 12.42 | 11.05 | 7.71 | 6.09 |
| Net NPA % | 0.01 | 0.02 | 4.84 | 5.00 | 5.02 | 4.48 | 3.29 | 2.86 |
| Revenue YoY | -14.9% | -11.9% | -4.9% | +0.3% | ||||
| Profit YoY | -778.2% | – | -6,430.6% | – |
Standalone figures where filed. Latest quarter Jun 2026.
Profit & loss (yearly)
| ₹ cr | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|
| Revenue | 3,178 | 3,765 | 3,379 | 3,381 |
| Net profit | 498 | 24 | -1,151 | -945 |
| EPS (₹) | 4.79 | 0.22 | -8.37 | -6.87 |
| Revenue growth | +18.5% | -10.3% | -8.1% | |
| Profit growth | -95.2% | -4,956.5% | – | |
| Dividend / share (₹) | – | 0.50 | – |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | – | – | -8.1% |
| Net profit | – | – | – |
| EPS | – | – | – |
| Share price | – | -45.3% (2y) | -32.3% |
Balance sheet
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| Shareholders' equity | 2,973 | 2,974 | 2,776 |
| Borrowings | 1,995 | 2,355 | 2,829 |
| Cash & equivalents | 0 | 0 | 0 |
| Total assets | 23,903 | 28,127 | 28,869 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| Cash from operations | 991 | 876 | 781 |
| Cash from investing | -620 | -777 | -3,309 |
| Cash from financing | 140 | 310 | 1,412 |
| Capex | 0 | 0 | 0 |
| Free cash flow | 991 | 876 | 781 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| ROE % | 16.7% | 0.8% | -41.5% |
Shareholding
| Holder | % (2026-09-30) |
|---|---|
| Promoters | 42.67% |
| FIIs | 10.44% |
| DIIs | 9.17% |
| of which Mutual funds | 0.00% |
| of which Insurance | 7.19% |
| Government | 0.00% |
| Public (non-institutions) | 37.73% |
| Quarter | Mar 2025 | Jun 2025 | Sep 2025 | Nov 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 68.92% | 68.92% | 68.92% | 42.67% | 42.67% | 42.67% | 42.67% | 42.67% |
| Promoter group | % |
|---|---|
| Utkarsh Coreinvest Limited | 42.67% |
| Public holders above 1% | % |
|---|---|
| Cohesion MK Best Ideas Sub-trust | 3.21% |
| India Capital Fund Limited | 2.98% |
| ICICI Prudential Life Insurance Company Limited | 2.95% |
| Kotak Mahindra Life Insurance Company Ltd. | 2.37% |
| Olympus ACF PTE Limited | 1.92% |
| Massachusetts Institute of Technology | 1.57% |
| FLC Investco, LLC | 1.41% |
| Zodiac Business Ventures LLP | 1.34% |
| Singularity Large Value Fund III | 1.26% |
2,76,844 shareholders. Pledged: – of promoter shares.
Peers in Other Bank
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| AUBANK | ₹65,086 cr | 22.7x | 3.3x | 15.4% | 1.49% | 2.10% | +31.4% | 0.11% |
| UJJIVANSFB | ₹10,731 cr | 9.3x | 1.4x | 16.6% | 1.83% | 2.10% | +35.1% | – |
| EQUITASBNK | ₹7,354 cr | 14.4x | 1.2x | 8.4% | 0.84% | 2.42% | +25.2% | 0.00% |
| JSFB | ₹3,989 cr | 10.5x | 0.9x | 8.8% | 0.80% | 2.39% | – | – |
| UTKARSHBNK | ₹2,086 cr | – | 0.8x | -32.9% | -3.27% | 6.09% | – | – |
| ESAFSFB | ₹1,932 cr | 17.4x | 1.1x | -0.3% | -0.02% | 5.40% | – | – |
| SURYODAY | ₹1,385 cr | 7.2x | 0.7x | 9.6% | 0.96% | 6.60% | +31.9% | – |
| CAPITALSFB | ₹1,187 cr | 7.9x | 0.8x | 10.8% | 1.24% | 2.47% | – | 1.53% |
| FINOPB | ₹995 cr | 47.6x | 1.2x | 2.7% | 0.39% | 0.00% | +91.0% | – |
Business segments (FY26)
| Segment | Revenue | Share | EBIT | Margin |
|---|---|---|---|---|
| Retail | ₹2,948 cr | 77.4% | ₹-1,465 cr | -49.7% |
| Treasury | ₹572 cr | 15.0% | ₹-66 cr | -11.5% |
| Wholesale | ₹289 cr | 7.6% | ₹24 cr | 8.5% |
| Unallocated | ₹0 cr | – | ₹0 cr | – |
| Capital & other reserves | ₹0 cr | – | ₹0 cr | – |
Dividends & corporate actions
| Ex-date | Action | Detail |
|---|---|---|
| 2025-10-14 | Rights | Rights 8:13 @ Premium Rs 4/- |
| 2024-07-12 | Dividend | Dividend - Re 0.50 Per Share |
Documents
- Annual report FY26
- Annual report FY25
- Annual report FY24
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Banking and financial services: The Bank provides a range of commercial banking products and services, including loan products, fee and commission-based products and services, deposit products. The Bank's retail operations primarily consist of retail lending, payments, deposit taking and distribution of third party insuranceand investment products.
| Sector | Financial Services |
| Industry | Other Bank |
| Sub-industry | Other Bank |
| Symbol | UTKARSHBNK |
| BSE code | 543942 |
| ISIN | INE735W01017 |
| Face value | ₹10.0 |
| Incorporated | 2016-04-30 |
| Website | www.utkarsh.bank.in |
| Plants (India / abroad) | 0 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-22 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.