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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

25.22 0 (0.08%)

As on 30 Apr 2025 (EOD)

Today’s Low
25.02
Today’s High
25.70

Open
25.20
Perv Close
25.20
52W Low
21.25
52W High
61.70

Key Indicators

P/E(TTM)

15.38
Mar.Cap (₹Cr.)

2,778.26
Div & Yield %

1.98
Book Value(₹)

28.37
Debt-Equity Ratio

0.08
AGM Date

29-Apr-2025
EPS

1.64
P/E Ratio

15.38

Financials Ratios

Debt-Equity Ratio

-
Mar.Cap (₹Cr.)

2,778.26

RONW (%)

-
ROCE (%)

-

Score Board

Equity (₹ in Cr.)

1,101.61
BV (₹)

28.40
Sales( ₹ in Cr.)

3,578.81
NP (in Cr.)

497.63
NP Var(%)

23.0
Div%

5.0
CPS (₹)

5.10
EPS (₹)

4.50
Traded Value (₹ in Lakhs)

2,779.36

52 Week High

61.70
52 Week Low

21.25
Price BSE

25.0
Price NSE

25.00
Market Capital( in Cr.)

2,779.36
P/C Ratio

4.90
P/E Ratio

5.50
Price Vs.BV

4.50

29-Apr-2025( 03:11)

Corporate News - Utkar... - Utkarsh Small Finance Bank wi...
07-Apr-2025( 11:00)

Hot Pursuit - Utkar... - On a sequential basis, the ban...
26-Feb-2025( 08:04)

Corporate News - Board... - The Board of Utkarsh Small Fin...
24-Feb-2025( 09:20)

Corporate News - Utkar... - Utkarsh Small Finance Bank wi...

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Financials

All Values are in (₹Cr)

Particulars(INCOME)	2024 Mar	2023 Mar	2022 Mar	2021 Mar	2020 Mar	2019 Mar
INCOME :
Interest Earned	3,178.41	2,504.98	1,848.81	1,580.99	1,307.69	881.04
Other Income	400.40	299.31	184.83	124.85	98.56	58.05
Total Income	3,578.81	2,804.29	2,033.64	1,705.84	1,406.25	939.09
EXPENDITURE :
Interest Expended	1,292.61	975.95	787.96	741.74	579.46	381.87
Payments to and Provisions for Employees	736.95	570.06	429.83	326.20	262.16	186.57
Operating Expenses & Administrative Expenses	195.95	162.51	119.28	84.84	92.27	61.87
Depreciation	65.27	58.66	40.88	29.58	25.41	16.29
Other Expenses, Provisions & Contingencies	628.64	501.31	575.98	372.04	196.52	143.67
Provision for Tax	179.77	125.74	52.94	60.08	86.12	35.45
Provision Towards Deferred Tax	-18.01	5.57	-34.69	-20.46	-22.45	19.47
Total Expenditure	3,081.19	2,399.79	1,972.18	1,594.02	1,219.50	845.20
PROFIT & LOSS
Net Profit / Loss for The Year	497.63	404.50	61.46	111.82	186.74	93.89
Extraordinary Items	0.00	0.03	0.02	0.00	0.00	0.00
Adjusted Net Profit	497.63	404.47	61.44	111.82	186.74	93.89
Profit brought forward	569.41	253.72	207.25	145.48	9.71	-59.39
APPROPRIATION
Transfer to Statutory Reserve	124.41	101.13	15.37	27.95	46.69	23.47
Transfer to Other Reserves	5.94	-12.31	-0.38	22.10	4.28	1.32
Trans. to Government /Proposed Dividend	0.00	0.00	0.00	0.00	0.00	0.00
Balance carried forward to Balance Sheet	936.70	569.41	253.72	207.25	145.48	9.71
Equity Dividend(%)	5.00	0.00	0.00	0.00	0.00	0.00
Dividend Per Share(Rs)	0.50	0.00	0.00	0.00	0.00	0.00
Earnings Per Share-Unit Curr	4.53	4.52	0.69	1.32	2.46	1.27
Earnings Per Share(Adj)-Unit Curr	4.53	-	-	-	-	-
Book Value-Unit Curr	27.04	22.33	17.56	16.13	13.43	10.48
Book Value(Adj)-Unit Curr	27.04	-	-	-	-	-

Shareholding Pattern

Promoter Group

68.92%
Public Share Holding

31.08%

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	68.92	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	68.92	759,272,222	1
Total ShareHolding for Promoter & Group
B]. Publice Share Holding
1] Institution
Government(Central / State)	93,535	0.01	93,535	1
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	10,912,762	0.99	10,912,762	18
Foreign Venture Capital Investors	0	0.00	0	0
Foreign Institution Other	0	0.00	0	0
Insurance Companies	14,960,940	1.36	14,960,940	4
Mutual Funds / UTI	51,958,216	4.72	51,958,216	2
Individuals (Non-Resident / Foreign)	0	0.00	0	0
NSDL Intransit	0	0.00	0	0
Others	10,542,266	0.96	10,542,266	2
Trusts	0	0.00	0	0
Venture Capital Funds	0	0.00	0	0
Sub total	88,467,719	8.03	88,467,719	27
2] Non Institution
Bodies Corporate	20,291,690	1.84	20,291,690	367
Clearing Members	694	0.00	694	7
Directors of their Relatives	501,390	0.05	501,390	1
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	5,199,268	0.47	5,199,268	1,625
Foreign Non Institution Other	51,674,781	4.69	51,674,781	3
Hindu Undivided Families	4,981,696	0.45	4,981,696	2,090
Indian Public	0	0.00	0	0
Individuals holding nominal share capital in excess of Rs. 1 lakh	41,883,196	3.80	41,883,196	747
Individuals holding nominal share capital up to Rs. 1 lakh	129,337,244	11.74	129,337,244	238,745
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	0	0.00	0	0
Others	0	0.00	0	0
Sub Total	253,869,959	23.05	253,869,959	243,585
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 )	1,101,609,900	100.00	1,101,609,900	243,613

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

P K Gupta
Managing Director

Govind Singh
Company Secretary

Muthiah Ganapathy
Auditor

Deloitte Haskins & Sells/Kirtane & Pandit 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.	25.23	3,578.81	3,178.41	15.38
Kotak Mah. Bank	2,205.35	56,072.01	45,798.91	25.75
HDFC Bank	1,908.25	307,581.57	258,340.58	21.69
ICICI Bank	1,429.45	165,848.71	142,890.94	21.57
St Bk of India	811.75	466,812.82	415,130.66	9.93
Bank of Baroda	253.00	127,101.31	112,605.95	6.74
Karur Vysya Bank	218.05	9,862.63	8,203.94	9.31
Federal Bank	203.30	25,267.53	22,188.26	12.71
Canara Bank	99.42	127,654.36	108,687.93	5.71
IDBI Bank	83.07	30,037.04	26,426.13	11.88
UCO Bank	32.08	25,119.87	21,854.34	16.45

Mazagon Dock

Reliance Industr

Garden Reach Sh.

Bajaj Finance

Cochin Shipyard

Torrent Pharma.

Hind.Aeronautics

Tata Motors

Paras Defence

Samvardh. Mothe.

Data Pattern

Varun Beverages

IndusInd Bank

Trent

Bharat Electron

Hitachi Energy

ICICI Bank

Sonata Software

Tech Mahindra

HDFC Bank

Utkarsh Small Finance Bank Ltd Banks - Private Sector

25.22 0 (0.08%)

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