Utkarsh Small Finance Bank Limited

Web: utkarsh.bank NSE: UTKARSHBNK BSE: 543942 SECTOR: Financial Services - Banks

14 0(0%)

Volume

13L as on 24, Dec

Open

High

Low

VWAP

52 Week High

52 Week Low

Viand Research Rating

Quality Score

00/00

Growth Score

00/00

Valuation Score

00/00

Momentum Score

00/00

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

2,402

No. of Shares

178

P/E

6.53

P/B

1.26

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

19.26

ROCE

Profit Growth

Listing Date

21-Jul-23

Promoter Holding

42.67%

FII Holding

11.49%

DII Holding

9.56%

Price Chart

Price Performance

1 Week4%

1 Month3%

3 Months7%

6 Months7%

1 Year7%

YTD7%

Moving Average

5 Day SMA36

10 Day SMA36

20 Day SMA36

30 Day SMA0

50 Day SMA0

61 Day SMA0

80 Day SMA0

200 Day SMA0

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	36	35	36	36
Resistance 2	36	35	36	36
Resistance 1	35	35	35	35
Pivot Point	35	35	35	35
Support 1	35	35	35	35
Support 2	34	35	35	34
Support 3	34	35	34	34

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	Div Yld %
1	HDFCBANK	12,11,614	787	2%	1%	22%	19%	16	0	0	0
2	ICICIBANK	9,24,275	1289	3%	3%	7%	11%	16	0	0	0
3	SBIN	8,95,185	970	2%	12%	1%	22%	12	0	0	0
4	BAJFINANCE	5,82,095	935	1%	1%	8%	2%	28	0	0	0
5	LICI	5,34,146	844	6%	6%	4%	2%	9	0	0	0
6	AXISBANK	4,05,648	1304	5%	5%	1%	9%	14	0	0	0
7	KOTAKBANK	3,87,315	389	2%	5%	81%	81%	20	0	0	0
8	BAJAJFINSV	2,89,972	1812	3%	2%	13%	11%	14	0	0	0
9	SHRIRAMFIN	2,26,801	964	3%	6%	11%	44%	19	0	0	0
10	SBILIFE	1,89,349	1888	0%	7%	7%	5%	77	0	0	0
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Promoters	(0.01) 42.67%	(-26.31) 42.67%	(0.01) 68.92%	(0.01) 68.92%	(0.01) 68.92%	(0.01) 68.93%	(-0.11) 68.94%	(0.01) 69.02%	(-0.11) 69.06%	(-0.11) 69.16%	(0.01) 69.28%
FIIs	(-0.31) 11.49%	(10.11) 11.80%	(-0.21) 1.68%	(0.91) 1.85%	(-0.31) 1.00%	(0.31) 1.33%	(0.11) 0.99%	(0.11) 0.94%	(0.11) 0.87%	(-1.31) 0.74%	(0.01) 2.07%
DIIs	(-0.21) 9.56%	(7.41) 9.74%	(-0.41) 2.39%	(-4.31) 2.78%	(-1.21) 7.04%	(-1.81) 8.23%	(-0.61) 10.01%	(0.81) 10.60%	(-1.51) 9.82%	(-1.71) 11.30%	(0.01) 12.99%
Government	0.02%	0.03%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.00%	0.00%	0.00%
Public	36.27%	35.76%	27.00%	26.43%	23.04%	21.50%	20.04%	19.43%	20.25%	18.80%	15.67%
No. of Shareholders	282,993	276,742	249,372	248,311	243,613	240,592	227,886	215,133	222,044	192,791	163,614

Quarterly Results

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022
Sales	837	821	840	881	880	932	987	966	896	806	756	720	691	641	602	571	536.03
Expenses	724	920	913	858	687	824	593	492	452	413	392	369	305	342	334	312	329.15
Operating Profit	-347	-571	-562	-457	-276	-343	-35	82	88	69	49	53	105	51	43	38	5.5
OPM %	-42	-70	-67	-52	-31	-37	-4	8	10	9	7	7	15	8	7	7	1.03
Other Income	115	81	97	138	287	105	103	105	121	83	105	92	69	71	74	84	50.22
Interest	461	473	490	479	468	452	429	393	356	324	315	298	282	247	226	222	201.38
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	-232	-491	-465	-319	11	-238	68	186	208	152	154	145	174	122	117	122	55.72
Tax %	-19	-24	-25	-25	74	-29	24	26	23	24	26	26	23	24	25	27	13.1
Net Profit	-188	-375	-348	-239	3	-168	51	137	160	116	114	108	134	94	88	89	48.43
EPS in Rs	-1.06	-2.11	-1.96	-1.35	0.02	-0.94	0.29	0.77	0.9	0.65	0.65	0.74	0.92	0.65	0.61	0.62	0.54

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018
Sales	3379	3765	3178	2505	1849	1581	1308	881	519
Expenses	3414	2518	1561	1234	1125	783	551	392	374
Operating Profit	-1938	-496	324	295	-64	56	177	107	-106
OPM %	-57	-13	10	12	-3	4	14	12	-20
Other Income	431	600	400	299	185	125	99	58	43
Interest	1902	1742	1293	976	788	742	579	382	251
Depreciation	0	77	65	59	41	30	25	16	0
Profit before tax	-1507	28	659	536	80	151	250	149	-63
Tax %	-24	14	25	25	23	26	25	37	0
Net Profit	-1151	24	498	404	61	112	187	94	-63
EPS in Rs	-6.47	0.13	2.8	2.8	0.42	0.82	1.52	0.79	-0.83
Dividend Payout %	0	0	11	0	0	0	0	0	0

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019
Cash from Operating Activity	781	876	991	1573	1329	-83	115	211
Cash from Investing Activity	-3309	-777	-620	-693	-739	-532	-322	-171
Cash from Financing Activity	1412	310	140	-235	111	172	1304	-92
Net Cash Flow	-1115	409	511	645	702	-444	1097	-52

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018
Equity Capital	1780	1102	1102	1101	1099	896	896	848	759	737	470
Reserves	941	1244	1873	2024	1874	1104	677	520	260	36	-58
Borrowings	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	1665	1633	1232	1687	1462	1057	845	654	475	245	129
Total Liabilities	28869	27384	28127	26306	23903	19117	15064	12138	9404	6239	4524
Fixed Assets	458	417	324	323	301	301	286	125	110	87	87
CWIP	0	0	63	0	10	2	1	56	22	3	0
Investments	6914	5351	4958	4033	3679	2859	2348	2314	1192	862	661
Other Assets	21497	21617	22783	21950	19912	15955	12429	9643	8081	5287	3775
Total Assets	28869	27384	28127	26306	23903	19117	15064	12138	9404	6239	4524

Delivery

#	Date	10 56% 16	Value (Cr)	Q/T 703	Del 50	Del 7
1	27-May	13	2	618	46	1
2	26-May	14	4	771	42	2
3	25-May	13	3	632	52	2
4	22-May	13	3	581	42	1
5	21-May	13	3	547	50	1
6	20-May	13	4	642	42	2
7	19-May	13	5	485	42	2
8	18-May	13	10	827	35	4
9	15-May	13	6	731	38	2
10	14-May	14	7	904	34	2
11	13-May	14	10	728	45	4
12	12-May	14	12	971	48	6
13	11-May	14	17	919	48	8
14	8-May	15	10	986	49	5
15	7-May	16	14	931	51	7
16	6-May	15	12	949	54	7
17	5-May	15	14	674	46	6
18	4-May	15	19	584	55	10
19	30-Apr	14	12	604	42	5
20	29-Apr	15	23	942	51	12
21	28-Apr	14	6	750	46	3
22	27-Apr	14	7	727	46	3
23	24-Apr	14	5	711	49	2
24	23-Apr	14	8	860	52	4
25	22-Apr	14	7	732	44	3
26	21-Apr	14	15	739	50	8
27	20-Apr	14	8	511	47	4
28	17-Apr	14	12	404	49	6
29	16-Apr	13	7	289	53	4
30	15-Apr	13	9	295	58	5
31	13-Apr	13	9	647	39	4
32	10-Apr	14	12	782	57	7
33	9-Apr	13	11	783	50	6
34	8-Apr	13	10	751	54	5
35	7-Apr	12	4	775	53	2
36	6-Apr	12	8	766	43	4
37	2-Apr	12	8	792	34	3
38	1-Apr	11	13	940	42	6
39	30-Mar	10	21	888	54	11
40	27-Mar	11	19	1116	62	12
41	25-Mar	11	10	1023	57	6
42	24-Mar	11	9	826	50	4
43	23-Mar	11	8	759	66	5
44	20-Mar	12	5	914	58	3

Daily Market Cap

Date	Total Market Cap	Change	Chg %
27-May	2,402c	21c	0.88
26-May	2,424c	34c	1.41
25-May	2,390c	41c	1.74
22-May	2,349c	14c	0.60
21-May	2,363c	7c	0.30
20-May	2,356c	2c	0.08
19-May	2,358c	16c	0.68
18-May	2,342c	75c	3.09
15-May	2,417c	53c	2.16
14-May	2,470c	39c	1.61
13-May	2,431c	39c	1.59
12-May	2,470c	69c	2.73
11-May	2,539c	233c	8.41
07-May	2,773c	62c	2.30
06-May	2,710c	62c	2.35
05-May	2,648c	11c	0.40
04-May	2,637c	57c	2.21
30-Apr	2,580c	41c	1.56
29-Apr	2,621c	125c	4.99
28-Apr	2,497c	34c	1.37
24-Apr	2,463c	46c	1.84
23-Apr	2,509c	9c	0.36
22-Apr	2,500c	9c	0.35
21-Apr	2,509c	48c	1.95
20-Apr	2,461c	4c	0.14
17-Apr	2,458c	75c	3.14
16-Apr	2,383c	23c	0.96
15-Apr	2,406c	0	0

Stock Checklist

Price is below from 52 week high low average: 51%

Stock is trading above all short term SMAs: NO

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: NO

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