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Overview
Key Ratios
Financials
Shareholding
Company Info
Peer Comparison

Utkarsh Small Finance Bank Ltd Banks - Private Sector

Indian Private
BSE Code : 72071.0
ISIN : INE735W01017

14.31 0 (-0.97%)

As on 30 Jul 2026 (EOD)

Today’s Low
14.23
Today’s High
14.49

Open
14.49
Perv Close
14.45
52W Low
10.12
52W High
22.03

Key Indicators

P/E(TTM)

0.00
Mar.Cap (₹Cr.)

2,546.50
Div & Yield %

0.00
Book Value(₹)

15.60
Debt-Equity Ratio

-0.97
AGM Date

30-Jul-2026
EPS

0.00
P/E Ratio

0.00

Financials Ratios

Debt-Equity Ratio

-
Mar.Cap (₹Cr.)

2,546.50

RONW (%)

-
ROCE (%)

-

Score Board

Equity (₹ in Cr.)

1,779.52
BV (₹)

15.60
Sales( ₹ in Cr.)

3,809.75
NP (in Cr.)

-1,150.79
NP Var(%)

-5035.0
Div%

0.0
CPS (₹)

-6.00
EPS (₹)

-6.50
Traded Value (₹ in Lakhs)

2,551.84

52 Week High

22.03
52 Week Low

10.12
Price BSE

14.0
Price NSE

14.00
Market Capital( in Cr.)

2,551.84
P/C Ratio

-2.30
P/E Ratio

-2.20
Price Vs.BV

-6.50

17-Jul-2026( 10:30)

Corporate News - Utkar... - Utkarsh Small Finance Bank wi...
22-Jun-2026( 03:33)

Corporate News - Utkar... - Utkarsh Small Finance Bank an...
18-Jun-2026( 09:45)

Corporate News - Utkar... - Utkarsh Small Finance Bank wi...
11-May-2026( 09:48)

Hot Pursuit - Utkar... - <p> Total income tanked 18.39%...

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Financials

All Values are in (₹Cr)

Particulars(INCOME)	2026 Mar	2025 Mar	2024 Mar	2023 Mar	2022 Mar	2021 Mar
INCOME :
Interest Earned	3,378.78	3,764.93	3,178.41	2,504.98	1,848.81	1,580.99
Other Income	430.97	599.83	400.34	299.31	184.83	124.85
Total Income	3,809.75	4,364.76	3,578.75	2,804.29	2,033.64	1,705.84
EXPENDITURE :
Interest Expended	1,902.04	1,742.06	1,292.61	975.95	787.96	741.74
Payments to and Provisions for Employees	947.96	845.60	736.95	570.06	429.83	326.20
Operating Expenses & Administrative Expenses	295.96	229.22	195.95	162.51	119.28	84.84
Depreciation	77.33	76.57	65.27	58.66	40.88	29.58
Other Expenses, Provisions & Contingencies	2,093.07	1,443.66	628.58	501.31	575.98	372.04
Provision for Tax	0.18	16.19	179.77	125.74	52.94	60.08
Provision Towards Deferred Tax	-355.82	-12.24	-18.01	5.57	-34.69	-20.46
Total Expenditure	4,960.73	4,341.06	3,081.13	2,399.79	1,972.18	1,594.02
PROFIT & LOSS
Net Profit / Loss for The Year	-1,150.98	23.70	497.63	404.50	61.46	111.82
Extraordinary Items	-0.19	0.38	-0.04	0.03	0.02	0.00
Adjusted Net Profit	-1,150.79	23.32	497.67	404.47	61.44	111.82
Profit brought forward	879.24	936.70	569.41	253.72	207.25	145.48
APPROPRIATION
Transfer to Statutory Reserve	0.00	5.93	124.41	101.13	15.37	27.95
Transfer to Other Reserves	-0.35	20.21	5.94	-12.31	-0.38	22.10
Trans. to Government /Proposed Dividend	0.00	55.02	0.00	0.00	0.00	0.00
Balance carried forward to Balance Sheet	-271.39	879.24	936.70	569.41	253.72	207.25
Equity Dividend(%)	0.00	0.00	5.00	0.00	0.00	0.00
Dividend Per Share(Rs)	0.00	0.00	0.50	0.00	0.00	0.00
Earnings Per Share-Unit Curr	-6.47	0.22	4.53	4.52	0.69	1.32
Earnings Per Share(Adj)-Unit Curr	-6.47	0.19	3.85	-	-	-
Book Value-Unit Curr	15.60	27.00	27.04	22.33	17.56	16.13
Book Value(Adj)-Unit Curr	15.60	22.93	22.96	-	-	-

Shareholding Pattern

Promoter Group

42.67%
Public Share Holding

57.33%

Category of Shareholder	No of Shares	% Holdings	Demat Shares	Shareholders
A]. Promoter & Group
Foreign (Promoter & Group) - Bodies Corporate	0	0.00	0	0
Foreign (Promoter & Group)-Individuals (Non-Resident / Foreign)	0	0.00	0	0
Foreign Promoter(Institutional)	0	0.00	0	0
Promoter Others	0	0.00	0	0
Sub Total	0	0.00	0	0
[2] INDIAN
Bodies Corporate-Indian (Promoter & Group)	759,272,222	42.67	759,272,222	1
Government(Central / State)-Indian (Promoter & Group)	0	0.00	0	0
Directors & their Relatives-Indian (Promoter & Group)	0	0.00	0	0
Financial Institutions / Banks-Indian (Promoter & Group)	0	0.00	0	0
Individuals / Hindu Undivided Family-Indian (Promoter & Group)	0	0.00	0	0
Partnership Firms-Indian (Promoter & Group)	0	0.00	0	0
Persons Acting in Concert	0	0.00	0	0
Trusts	0	0.00	0	0
Others	0	0.00	0	0
Sub Total	759,272,222	42.67	759,272,222	1
Total ShareHolding for Promoter & Group
B]. Publice Share Holding
1] Institution
Government(Central / State)	0	0.00	0	0
Clearing Members	0	0.00	0	0
Corporate Bodies	0	0.00	0	0
Foreign Direct Investments	0	0.00	0	0
Financial Institutions / Banks	0	0.00	0	0
Foreign Bank	0	0.00	0	0
Foreign Bodies Corporate/OCBs/FBC	0	0.00	0	0
Foreign Collaborators	0	0.00	0	0
Foreign Institutional Investors	211,784,296	11.90	211,784,296	23
Foreign Venture Capital Investors	0	0.00	0	0
Foreign Institution Other	0	0.00	0	0
Insurance Companies	126,315,422	7.10	126,315,422	6
Mutual Funds / UTI	3,059	0.00	3,059	1
Individuals (Non-Resident / Foreign)	0	0.00	0	0
NSDL Intransit	0	0.00	0	0
Others	43,701,295	2.46	43,701,295	6
Trusts	0	0.00	0	0
Venture Capital Funds	0	0.00	0	0
Sub total	381,804,072	21.46	381,804,072	36
2] Non Institution
Bodies Corporate	83,419,493	4.69	83,419,493	495
Clearing Members	5	0.00	5	2
Directors of their Relatives	1,201,359	0.07	1,201,359	3
Employees	0	0.00	0	0
Escrow Account	0	0.00	0	0
Foreign Corporate Bodies	0	0.00	0	0
Foreign Direct Investments	0	0.00	0	0
NRIs/Foreign Individuals/Foreign Nationals	13,408,023	0.75	13,408,023	1,820
Foreign Non Institution Other	53,269,594	2.99	53,269,594	4
Hindu Undivided Families	23,045,427	1.30	23,045,427	2,728
Indian Public	0	0.00	0	0
Individuals holding nominal share capital in excess of Rs. 1 lakh	240,417,685	13.51	240,417,685	2,955
Individuals holding nominal share capital up to Rs. 1 lakh	223,485,804	12.56	223,485,804	271,188
Market Maker	0	0.00	0	0
NSDL Transit	0	0.00	0	0
Shares in transit	0	0.00	0	0
Societies	0	0.00	0	0
Trust & Foundation	200,000	0.01	200,000	1
Others	0	0.00	0	0
Sub Total	638,447,390	35.88	638,447,390	279,196
Total Public Shareholding
C]. Shares held by Custodians and against which Depository Receipts have been issued
ADR	0	0.00	0	0
GDR	0	0.00	0	0
Other Custodians	0	0.00	0	0
Total Shares held by Custodians and against which Depository Receipts have been issued	0	0.00	0	0
Grand Total ( A + B + C )	1,779,523,684	100.00	1,779,523,684	279,233

Company Background

Utkarsh Small Finance Bank LtdBanks - Private Sector

Utkarsh Small Finance Bank Ltd
BSE Code : 72071.0
ISIN : INE735W01017

Incorporation Year

2016
Registered Office

Utkarsh Tower NH-31 (AirportRd
Sehmalpur Kazi Sarai Harhua, Varanasi,
Uttar Pradesh-221105
Telephone

+91 542 660 5555
FAX
Chairman

SHIVAJI KSHATRAPATI
Managing Director

Govind Singh
Company Secretary

Muthiah Ganapathy
Auditor

M M Nissim & Co LLP/KKC & Associates LLP
Face Value

10
Listing

NSE
Registrar

KFin Techologies Ltd
Karvy Selenium Tow-B,
31&32 Financial Dist,Nanakramguda
Mumbai - Hyderabad-500032

Utkarsh Small Finance Bank Ltd Peer Comparison

Profit & Loss

Financial Ratios

Balance Sheet

Company Name	LTP (₹)	Revenue	Sales	P/E Ratio
Utkarsh Small F.	14.34	3,809.75	3,378.78	-2.22
ICICI Bank	1,436.50	200,703.68	169,946.09	19.75
SBI	1,026.15	556,240.68	482,797.17	11.84
HDFC Bank	756.15	370,054.63	307,522.07	15.41
Kotak Mah. Bank	388.95	67,187.26	55,563.98	26.05
Federal Bank	354.10	30,166.50	26,365.25	19.73
Karur Vysya Bank	340.65	13,158.67	11,074.35	11.99
Bank of Baroda	241.40	142,750.49	126,993.66	7.45
Canara Bank	124.30	153,204.21	126,366.17	5.84
IDBI Bank	84.02	35,743.53	28,997.26	9.39
UCO Bank	25.86	29,740.99	26,281.36	11.49

Indo-MIM

Bajaj Finserv

Bajaj Finance

ICICI Bank

HDFC Bank

Adani Green

Reliance Industries

DLF

TBO Tek

Eicher Motors

Kalyan Jewellers

M & M

TVS Motor Co.

Infosys

Coforge

Jubilant Food.

Waaree Energies

Cholaman.Inv.&Fn

Redington

SBI

Utkarsh Small Finance Bank Ltd Banks - Private Sector

14.31 0 (-0.97%)

Key Indicators

Financials Ratios

Score Board

Navigate The Market With Confidence

Financials

Shareholding Pattern

Company Background

Utkarsh Small Finance Bank LtdBanks - Private Sector

Utkarsh Small Finance Bank Ltd Peer Comparison