UTKARSH SMALL FIN BANK L·BANKS 57.62SMALL FINANCE BANKS - SFBS 68.56·Banks

Price

14.43

+3.66%
O:13.9
H:14.6
L:13.9
C:14.43

52W Range

10.1222.03
+43%/-34%

Market Cap

₹2,567.85 Cr

Traded: ₹18.63 Cr (0.73%) 0.0x

Free Float: ₹837.63 Cr (2.22% of FF traded)

Volume · 60D trend

1.29 Cr 0.0x

Delivery: % 0.0x

View Delivery Data

Returns

1W:+0% 1M:-1% 3M:-2% 6M:+5% 12M:-4%

Valuation

P/E--
P/B0.9
P/S--
EV/EBIT--

Business Strength

ROE-40.0%
ROCE1.5%
OPM--
NPM--

Growth (3Y CAGR)

EPS-5076.9%
Sales+10.0%
Profit--
3Y Return-30.0%

Balance Sheet

Debt/Equity8.8
Debt24,483 Cr
Pledge0.0%
CWIP/Fixed Asset37.5%

Cash Position

CFO/NP-67.8%
FCF638 Cr
FCF 3Y Avg2,277 Cr
Cash/MCap80.0%

Others

Div Yield0.0%
Div Payout0.0%
Cash Conv. Cycle--
Tradeable Free Float32.6%

MTF Exposure Trend

60 sessions · funded amount, % of FF, daily delta

Current
₹ 59.31 Cr
7.08% FF
60d high
₹ 62.26 Cr
60d low
₹ 47.03 Cr
60d mean
₹ 53.18 Cr
vs mean
▲ 11.53%

Growth Trends

Metric10Y5Y3Y1YTTMTrend
Profit
--
--
--
--
-168.0%
--
Sales
--
+16.0%
+10.0%
--
-8.0%
Decelerating
ROE
--
-1.0%
-8.0%
--
--
Decelerating
Return
--
--
-30.0%
-21.0%
--
Accelerating

Quarterly Results

Jun 2026

1 Aug
Rev
--
----
OPM--
NPM--
PAT
---34 Cr
EPS
+86% YoY-0.2

Mar 2026

PDF
Rev
--
----
OPM--
NPM--
PAT
-6431% YoY-188 Cr
EPS
-5400% YoY-1.1

Dec 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
-123% YoY-375 Cr
EPS
-124% YoY-2.1

Sep 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
-778% YoY-348 Cr
EPS
-776% YoY-2.0

Jun 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
-274% YoY-239 Cr
EPS
-275% YoY-1.4

Mar 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
-98% YoY3 Cr
EPS
-98% YoY0.0

Dec 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
-245% YoY-168 Cr
EPS
-245% YoY-0.9

Sep 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
-55% YoY51 Cr
EPS
-55% YoY0.3

Jun 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
+28% YoY137 Cr
EPS
+4% YoY0.8

Mar 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
+19% YoY160 Cr
EPS
-2% YoY0.9

Dec 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+24% YoY116 Cr
EPS
--0.7

Sep 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+30% YoY114 Cr
EPS
--0.7

Jun 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+20% YoY108 Cr
EPS
--0.7

Mar 2023

Rev
--
----
OPM--
NPM--
PAT
+176% YoY134 Cr
EPS
--0.9

Revenue & Margin Trends

Annual

Quarterly

Balance Sheet Health

Leverage

Debt / Equity0.00
Interest Coverage1.7x
Promoter Pledge0.0%
Borrowings--

Efficiency

Receivable Days days
Inventory Days days
Payable Days days
Cash Conversion cycle days

Cash Position

Operating Cash Flow781 Cr
Investing Cash Flow-3.3K Cr
Financing Cash Flow1.4K Cr
Free Cash Flow638 Cr

Detailed Financials

Jun 2026PDF ↗
Mar 2026PDF ↗
Dec 2025PDF ↗
Sep 2025PDF ↗
Jun 2025PDF ↗
Mar 2025PDF ↗
Dec 2024PDF ↗
Sep 2024PDF ↗
Jun 2024PDF ↗
Mar 2024PDF ↗
Dec 2023PDF ↗
Sep 2023PDF ↗
Jun 2023PDF ↗
Mar 2023
Sales----------------------------
Expenses586724920913858687824593492452413392369305
Operating Profit----------------------------
OPM %----------------------------
Other Income1191158197138287105103105121831059269
Interest461461473490479468452429393356324315298282
Depreciation00000000000000
Profit Before Tax-45-232-491-465-31911-23868186208152154145174
Tax %-25.0%-19.0%-24.0%-25.0%-25.0%74.0%-29.0%24.0%26.0%23.0%24.0%26.0%26.0%23.0%
Net Profit-34-188-375-348-2393-16851137160116114108134
Exceptional Items----------------------------
EPS (Rs)-0.2-1.1-2.1-2.0-1.40.0-0.90.30.80.90.70.70.70.9
Sales Growth (YoY)----------------------------
Sales Growth (QoQ)----------------------------
OP Growth (YoY)----------------------------
OP Growth (QoQ)----------------------------
Profit Growth (YoY)---6431.0%-123.0%-778.0%-274.0%-98.0%-245.0%-55.0%28.0%19.0%24.0%30.0%20.0%176.0%
EPS Growth (YoY)85.9%-5400.0%-124.5%-775.9%-275.3%-97.8%-244.6%-55.4%4.0%-2.2%--------
EPS Growth (QoQ)82.1%49.8%-7.7%-45.2%-6850.0%102.1%-424.1%-62.3%-14.4%38.5%0.0%-12.2%-19.6%--
OP Margin----------------------------
Net Margin----------------------------
Material Cost %----------------------------
Employee Cost %--28.4%30.0%28.1%25.9%23.2%24.2%21.4%21.3%23.5%22.3%23.4%23.6%23.0%
P/S----------------------------
P/E----------------------------
P/B0.930.96------------------------

Shareholding Pattern

Shareholders:2.8L (+70.7%)
Current MixJun 2026

Exchange Filings

50
Company Update21 Aug 2026

ESG rating

Company Update19 Aug 2026

Migration of Core Banking System

Company Update17 Aug 2026

Intimation of ESG Rating

Company Update07 Aug 2026

Transcript of the Earnings Call held on August 03, 2026.

AGM/EGM05 Aug 2026

Scrutinizer''s Report along with results of e-voting of the 10th AGM of the Bank.

AGM/EGM04 Aug 2026

Summary of the proceedings of the 10th Annual General Meeting of the Bank held on August 04, 2026.

Result01 Aug 2026

Unaudited Financial Results for quarter ended June 30, 2026

Company Update22 Jul 2026

Call Option Notice for ISIN: INE735W08038

Corp. Action21 Jul 2026

Record Date for the purpose of Call Option in respect of Non Convertible Debentures bearing ISIN INE735W08038.

Board Meeting21 Jul 2026

Outcome of Board Committee Meeting held on July 21, 2026

Board Meeting16 Jul 2026

Utkarsh Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 21/07/2026 ,inter alia, to consider and approve the execution of ....

Company Update14 Jul 2026

Please find enclosed the captioned subject.

Company Update11 Jul 2026

Newspaper publication post dispatch of AGM Notice

AGM/EGM10 Jul 2026

Enclosed herewith the Notice of 10th Annual General Meeting and Annual Report for FY 2025-26.

Others10 Jul 2026

Enclosed herewith the Annual Report for FY 2025-26

Others10 Jul 2026

Enclosed herewith the Business Responsibility and Sustainability Report for FY 2025-26

Company Update08 Jul 2026

Newspaper Advertisement prior to dispatch of AGM Notice.

Company Update06 Jul 2026

As per attachment

Company Update05 Jul 2026

Business Updates for the quarter ended June 30, 2026

Company Update02 Jul 2026

Please find attached intimation on captioned subject.

Company Update01 Jul 2026

As per attachment

Company Update30 Jun 2026

As per attachment.

Company Update30 Jun 2026

Enclosed the captioned subject.

Company Update27 Jun 2026

Newspaper publication attached

Company Update26 Jun 2026

As per Intimation attached

Insider Trading / SAST25 Jun 2026

Trading Window Closure for the quarter ending June 30, 2026

Board Meeting20 Jun 2026

Outcome of the Board Meeting held on Saturday, June 20, 2026

Company Update20 Jun 2026

Appointment of Mr. Sarjukumar Pravin Simaria as Additional Director in the category of whole Time Director of the Bank.

Company Update20 Jun 2026

Raising of Funds

Company Update20 Jun 2026

Intimation attached

Board Meeting17 Jun 2026

Utkarsh Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 20/06/2026 ,inter alia, to consider and approve the proposal for ....

Company Update25 May 2026

Intimation attached

Company Update25 May 2026

Annual Secretarial Compliance Report for the financial year ended March 31, 2026

Company Update20 May 2026

Update on Scheme of Arrangement - Scheduling the next date of hearing on July 23, 2026

Company Update15 May 2026

Transcript of the Earnings Call held on May 11, 2026

Company Update11 May 2026

Audio Link for Earnings Call Q4FY2025-26

Company Update11 May 2026

Newspaper Publication of financial results for the financial year ended March 31, 2026.

Board Meeting09 May 2026

Outcome of Board Meeting held on May 09, 2026

Company Update09 May 2026

Appointment of Senior Management Personnel.

Company Update09 May 2026

Press Release on the financial results for the financial year ended March 31, 2026

Company Update09 May 2026

Investor Presentation for financial year ended March 31, 2026

Result09 May 2026

Financial Results for the quarter and financial year ended March 31, 2026.

Company Update09 May 2026

Appointment/Re-appointment of Directors

Board Meeting06 May 2026

Utkarsh Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 09/05/2026 ,inter alia, to consider and approve the Audited Financial ....

Company Update06 May 2026

Earnings Call Q4 FY 2025-26 scheduled to be held on May 11, 2026 at 04.00 p.m.

Company Update25 Apr 2026

Intimation of ESG Rating

Company Update05 Apr 2026

Provisional Business Updates for the quarter and year ended March 31, 2026 (Un-audited)

Company Update05 Apr 2026

Update on the Scheme of Amalgamation- Filing of Joint 2nd Motion petition with NCLT

Company Update04 Apr 2026

un- audited /provisional Business update for quarter and year ended March 31, 2026

Company Update02 Apr 2026

Certificate under Reg 74(5) of SEBI (DP) Regulation 2018

Annual Reports

3

2026

2025

2024

Credit Ratings

6
careRating update
03 Sept 2025Report
careRating update
13 Aug 2025Report
icraRating update
12 Aug 2025Report
careRating update
02 Jul 2025Report
careRating update
12 Jun 2025Report
careRating update

Concalls

12

Feb 2026

28 Feb 2026

Nov 2025

30 Nov 2025

Aug 2025

31 Aug 2025

Aug 2025

31 Aug 2025

May 2025

31 May 2025

Feb 2025

28 Feb 2025

Nov 2024

30 Nov 2024

Aug 2024

31 Aug 2024

May 2024

31 May 2024

Feb 2024

29 Feb 2024

Nov 2023

30 Nov 2023

Aug 2023

31 Aug 2023

Held by Mutual Funds

1 schemes hold utkarshbnk · sorted by weight

#SchemeWeight %
1

Motilal Oswal BSE 1000 Index Fund

Motilal Oswal Mutual Fund

0.01%