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  • Overview
  • Key Ratios
  • Financials
  • Shareholding
  • Company Info
  • Peer Comparison
Overview
  • 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
23.70 0 (-0.46%)
  • As on 17 Jun 2025 (EOD)

  • Today’s Low

    23.65

  • Today’s High

    24.49

  • Open

    24.49

  • Perv Close

    23.81

  • 52W Low

    21.25

  • 52W High

    55.20

Key Indicators

  • P/E(TTM)

    107.73

  • Mar.Cap (₹Cr.)

    2,610.82

  • Div & Yield %

    0.00

  • Book Value(₹)

    27.00

  • Debt-Equity Ratio

    -0.46

  • AGM Date

    17-Jun-2025

  • EPS

    0.22

  • P/E Ratio

    107.73

Financials Ratios

  • Debt-Equity Ratio

    -

  • Mar.Cap (₹Cr.)

    2,610.82

  • RONW (%)

    -

  • ROCE (%)

    -

Score Board

  • Equity (₹ in Cr.)

    1,101.61

  • BV (₹)

    27.00

  • Sales( ₹ in Cr.)

    4,364.76

  • NP (in Cr.)

    23.70

  • NP Var(%)

    -95.0

  • Div%

    0.0

  • CPS (₹)

    0.20

  • EPS (₹)

    0.20

  • Traded Value (₹ in Lakhs)

    2,622.93

  • 52 Week High

    55.20

  • 52 Week Low

    21.25

  • Price BSE

    24.0

  • Price NSE

    24.00

  • Market Capital( in Cr.)

    2,622.93

  • P/C Ratio

    111.60

  • P/E Ratio

    111.60

  • Price Vs.BV

    0.20

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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 0.01 -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 -5.42 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
Select Company Name LTP (₹) Revenue Sales P/E Ratio ROCE %
Utkarsh Small F. 23.70 3,578.81 3,178.41 107.73 0.00
Kotak Mah. Bank 2,136.70 56,072.01 45,798.91 25.82 0.00
HDFC Bank 1,929.60 307,581.57 258,340.58 21.95 0.00
ICICI Bank 1,423.05 165,848.71 142,890.94 21.50 0.00
St Bk of India 792.20 524,172.41 462,489.35 9.97 0.00
Karur Vysya Bank 246.60 9,862.63 8,203.94 10.22 0.00
Bank of Baroda 238.00 138,088.97 121,441.64 6.29 0.00
Federal Bank 204.75 25,267.53 22,188.26 12.42 0.00
Canara Bank 109.15 142,207.87 119,755.07 5.82 0.00
IDBI Bank 92.51 30,037.04 26,426.13 13.23 0.00
UCO Bank 31.35 29,473.55 25,066.91 16.08 0.00