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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

21.91 0 (0.09%)

As on 02 Aug 2025 (EOD)

Today’s Low
21.75
Today’s High
22.30

Open
22.10
Perv Close
21.89
52W Low
21.25
52W High
51.36

Key Indicators

P/E(TTM)

99.59
Mar.Cap (₹Cr.)

2,413.63
Div & Yield %

0.00
Book Value(₹)

27.00
Debt-Equity Ratio

0.09
AGM Date

01-Aug-2025
EPS

0.22
P/E Ratio

99.59

Financials Ratios

Debt-Equity Ratio

-
Mar.Cap (₹Cr.)

2,413.63

RONW (%)

-
ROCE (%)

-

Score Board

Equity (₹ in Cr.)

1,101.61
BV (₹)

27.00
Sales( ₹ in Cr.)

4,364.76
NP (in Cr.)

23.60
NP Var(%)

-95.0
Div%

0.0
CPS (₹)

0.90
EPS (₹)

0.20
Traded Value (₹ in Lakhs)

2,413.63

52 Week High

51.36
52 Week Low

21.25
Price BSE

22.0
Price NSE

22.00
Market Capital( in Cr.)

2,413.63
P/C Ratio

24.20
P/E Ratio

102.70
Price Vs.BV

0.20

01-Aug-2025( 05:22)

Corporate News - Utkar... - Utkarsh Small Finance Bank an...
01-Aug-2025( 09:59)

Corporate News - Utkar... - Utkarsh Small Finance Bank wi...
21-Jul-2025( 05:13)

Corporate News - Utkar... - Utkarsh Small Finance Bank ann...
22-May-2025( 03:50)

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Financials

All Values are in (₹Cr)

Particulars(INCOME)	2025 Mar	2024 Mar	2023 Mar	2022 Mar	2021 Mar	2020 Mar
INCOME :
Interest Earned	3,764.93	3,178.41	2,504.98	1,848.81	1,580.99	1,307.69
Other Income	599.83	400.34	299.31	184.83	124.85	98.56
Total Income	4,364.76	3,578.75	2,804.29	2,033.64	1,705.84	1,406.25
EXPENDITURE :
Interest Expended	1,742.06	1,292.61	975.95	787.96	741.74	579.46
Payments to and Provisions for Employees	845.60	736.95	570.06	429.83	326.20	262.16
Operating Expenses & Administrative Expenses	229.22	195.95	162.51	119.28	84.84	92.27
Depreciation	76.57	65.27	58.66	40.88	29.58	25.41
Other Expenses, Provisions & Contingencies	1,443.66	628.58	501.31	575.98	372.04	196.52
Provision for Tax	16.19	179.77	125.74	52.94	60.08	86.12
Provision Towards Deferred Tax	-12.24	-18.01	5.57	-34.69	-20.46	-22.45
Total Expenditure	4,341.06	3,081.13	2,399.79	1,972.18	1,594.02	1,219.50
PROFIT & LOSS
Net Profit / Loss for The Year	23.70	497.63	404.50	61.46	111.82	186.74
Extraordinary Items	0.10	-0.04	0.03	0.02	0.00	0.00
Adjusted Net Profit	23.60	497.67	404.47	61.44	111.82	186.74
Profit brought forward	936.70	569.41	253.72	207.25	145.48	0.01
APPROPRIATION
Transfer to Statutory Reserve	5.93	124.41	101.13	15.37	27.95	46.69
Transfer to Other Reserves	20.20	5.94	-12.31	-0.38	22.10	-5.42
Trans. to Government /Proposed Dividend	0.00	0.00	0.00	0.00	0.00	0.00
Balance carried forward to Balance Sheet	934.27	936.70	569.41	253.72	207.25	145.48
Equity Dividend(%)	0.00	5.00	0.00	0.00	0.00	0.00
Dividend Per Share(Rs)	0.00	0.50	0.00	0.00	0.00	0.00
Earnings Per Share-Unit Curr	0.22	4.53	4.52	0.69	1.32	2.46
Earnings Per Share(Adj)-Unit Curr	0.22	4.53	-	-	-	-
Book Value-Unit Curr	27.00	27.04	22.33	17.56	16.13	13.43
Book Value(Adj)-Unit Curr	27.00	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	20,416,144	1.85	20,416,144	18
Foreign Venture Capital Investors	0	0.00	0	0
Foreign Institution Other	0	0.00	0	0
Insurance Companies	13,916,592	1.26	13,916,592	3
Mutual Funds / UTI	6,190,726	0.56	6,190,726	3
Individuals (Non-Resident / Foreign)	0	0.00	0	0
NSDL Intransit	0	0.00	0	0
Others	10,565,988	0.96	10,565,988	2
Trusts	0	0.00	0	0
Venture Capital Funds	0	0.00	0	0
Sub total	51,182,985	4.65	51,182,985	27
2] Non Institution
Bodies Corporate	28,291,338	2.57	28,291,338	369
Clearing Members	7	0.00	7	3
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	6,427,206	0.58	6,427,206	1,637
Foreign Non Institution Other	51,673,781	4.69	51,673,781	3
Hindu Undivided Families	6,608,375	0.60	6,608,375	2,179
Indian Public	0	0.00	0	0
Individuals holding nominal share capital in excess of Rs. 1 lakh	54,309,120	4.93	54,309,120	982
Individuals holding nominal share capital up to Rs. 1 lakh	143,343,476	13.01	143,343,476	243,109
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	291,154,693	26.43	291,154,693	248,283
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	248,311

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

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.	21.91	4,364.76	3,764.93	99.59
HDFC Bank	2,012.25	346,149.32	300,517.04	22.27
Kotak Mah. Bank	1,992.10	67,880.86	52,919.73	29.38
ICICI Bank	1,471.40	165,848.71	142,890.94	21.46
St Bk of India	793.95	524,172.41	462,489.35	10.34
Karur Vysya Bank	259.75	11,507.59	9,678.04	10.44
Bank of Baroda	235.10	138,088.97	121,441.64	6.18
Federal Bank	195.95	25,267.53	22,188.26	11.88
Canara Bank	105.85	142,207.87	119,755.07	5.37
IDBI Bank	90.17	33,826.02	28,902.03	12.42
UCO Bank	29.12	29,473.55	25,066.91	14.63

Tata Motors

Axis Bank

Vimta Labs

GE Vernova T&D

Netweb Technol.

Suzlon Energy

Kaynes Tech

M & M

PNB Housing

Waaree Energies

HDFC Bank

Jayaswal Neco

Skipper

Shree Refrigerat

Timex Group

Hind. Unilever

TCS

Ceinsys Tech

Swiggy

KIOCL

Utkarsh Small Finance Bank Ltd Banks - Private Sector

21.91 0 (0.09%)

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