Utkarsh Small Finance Bank Limited (UTKARSHBNK) fundamentals
Utkarsh Small Finance Bank Limited is a listed company in Banks, part of the Financial Services sector, listed on the NSE as UTKARSHBNK (ISIN INE735W01017). This page carries its reported financials, balance sheet, cash flow, shareholding pattern and valuation ratios.
What Utkarsh Small Finance Bank Limited does
Utkarsh Small Finance Bank Limited (the Bank) is an India-based small finance bank. The Bank is engaged in providing banking and financial services with a focus on providing microfinance to the underserved and unserved sections of the country. Its lending activities are primarily focused on rural and semi-urban locations of the country, while its other services are spread across the country. Its segments include Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. The Corporate/Wholesale Banking segment includes lending, deposits, and other banking services provided to corporate customers of the Bank. The Retail Banking segment includes lending, deposits, and other banking services provided to retail customers of the Bank through a branch network. The Treasury segment includes dealings in statutory liquidity ratio (SLR) and non-SLR investments, maintenance of reserve requirements, and resource mobilization from other banks and financial institutions.
Valuation and market data
| Last close | ₹14.52 |
|---|---|
| Market capitalisation | ₹1,997 crore |
| Enterprise value | ₹-325 crore |
| P/E (TTM) | 0.00 |
| Price to book | 0.72 |
| Price to sales (TTM) | 0.53 |
| Book value per share | ₹20.18 |
| Dividend yield | 0.00% |
| Sector | Financial Services |
| Industry | Banks |
| Listed since | Fri Jul 21 |
Annual results
| Period | Revenue | Profit before tax | Net profit | EPS |
|---|---|---|---|---|
| Mar 2026 | ₹3,810 crore | ₹-1,507 crore | ₹-1,151 crore | -8.37 |
| Mar 2025 | ₹4,365 crore | ₹28 crore | ₹24 crore | 0.22 |
| Mar 2024 | ₹3,579 crore | ₹659 crore | ₹498 crore | 4.79 |
| Mar 2023 | ₹2,804 crore | ₹536 crore | ₹405 crore | 4.52 |
Figures are as reported (standalone), in ₹ crore.
Shareholding pattern
As of Jun 2026:
| Promoters | 42.7% |
|---|---|
| Foreign institutions (FII) | 11.9% |
| Mutual funds | 0.0% |
| Other domestic institutions | 9.6% |
| Retail and others | 35.9% |
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Data is sourced from exchange filings and vendor feeds and is for research, not investment advice. Figures can be restated by the company after publication.