Utkarsh Small Finance Bank Limited

Web: utkarsh.bank NSE: UTKARSHBNK BSE: 543942 SECTOR: Financial Services - Banks | Add Note | View Notes

12 0(-1%)

Volume

53L as on 18, Sep

Open

High

Low

VWAP

52 Week High

52 Week Low

Viand Research Rating

Quality Score

35/100

Growth Score

0/100

Valuation Score

50/100

Momentum Score

0/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

2,135

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

Rank/Sector Rank

#1159/#141

Promoter Holding

42.67%

FII Holding

11.9%

DII Holding

9.54%

Price Chart

Price Performance

1 Week2%

1 Month1%

3 Months6%

6 Months17%

1 Year13%

YTD13%

Moving Average

5 Day SMA14

10 Day SMA15

20 Day SMA15

30 Day SMA15

50 Day SMA15

61 Day SMA15

80 Day SMA14

200 Day SMA0

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	15	14	15	15
Resistance 2	15	14	14	15
Resistance 1	14	14	14	14
Pivot Point	14	14	14	14
Support 1	14	14	14	14
Support 2	13	14	14	13
Support 3	13	14	13	13

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	10,68,200	693	5%	6%	12%	30%	15	39.3	0	74671
2	ICICIBANK	10,01,006	1394	0%	4%	3%	1%	16	39.3	0	50147
3	SBIN	8,84,861	959	0%	4%	12%	6%	11	39.3	0	80032
4	BAJFINANCE	5,78,328	929	5%	11%	1%	15%	28	39.3	0	17804
5	LICI	4,82,597	382	4%	6%	6%	57%	9	39.3	0	57419
6	KOTAKBANK	4,28,256	430	4%	4%	16%	80%	20	39.3	0	19288
7	AXISBANK	3,74,318	1218	6%	2%	11%	2%	15	39.3	0	24457
8	BAJAJFINSV	2,65,141	1655	4%	10%	8%	23%	13	39.3	5.52	19669
9	SHRIRAMFIN	2,03,542	865	8%	14%	14%	21%	21	39.3	0	10024
10	SBILIFE	1,64,559	1640	1%	7%	10%	11%	70	39.3	0	2470
Load More

Shareholding Pattern (%)

	Jun 2026	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%	(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	(0.41) 11.90%	(-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	(0.01) 9.54%	(-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%	0.02%	0.03%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.00%	0.00%	0.00%
Public	35.88%	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	279,233	282,993	276,742	249,372	248,311	243,613	240,592	227,886	215,133	222,044	192,791	163,614

Quarterly Results

	Jun 2026	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	884	837	821	840	881	880	932	987	966	896	806	756	720	691	641	602	571	536.03
Sales Growth % (YoY)	0.3%	-4.9%	-11.9%	-14.9%	-8.8%	-1.8%	15.7%	30.5%	34.1%	29.6%	25.8%	25.6%	26.2%	28.9%	-	40.8%	-	29%
Sales Growth % (QoQ)	5.6%	1.9%	-2.3%	-4.7%	0.1%	-5.6%	-5.6%	2.2%	7.8%	11.2%	6.6%	5%	4.2%	7.8%	6.5%	5.4%	6.5%	-
Expenses	586	724	920	913	858	687	824	593	492	452	413	392	369	305	342	334	312	329.15
Operating Profit	-164	-347	-571	-562	-457	-276	-343	-35	82	88	69	49	53	105	51	43	38	5.5
OPM %	-19	-42	-70	-67	-52	-31	-37	-4	8	10	9	7	7	15	8	7	7	1.03
Other Income	119	115	81	97	138	287	105	103	105	121	83	105	92	69	71	74	84	50.22
Interest	461	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	0
Profit before tax	-45	-232	-491	-465	-319	11	-238	68	186	208	152	154	145	174	122	117	122	55.72
Tax %	-25	-19	-24	-25	-25	74	-29	24	26	23	24	26	26	23	24	25	27	13.1
Net Profit	-34	-188	-375	-348	-239	3	-168	51	137	160	116	114	108	134	94	88	89	48.43
Net Profit Growth % (QoQ)	81.9%	49.9%	-7.8%	-45.6%	-8066.7%	101.8%	-429.4%	-62.8%	-14.4%	37.9%	1.8%	5.6%	-19.4%	42.6%	6.8%	-1.1%	83.8%	-
Net Profit Growth % (YoY)	85.8%	-6366.7%	-123.2%	-782.4%	-274.5%	-98.1%	-244.8%	-55.3%	26.9%	19.4%	23.4%	29.5%	21.3%	176.7%	-	-	-	-
TTM Net Profit	-945	-1150	-959	-752	-353	23	180	464	527	498	472	450	424	405	319.43	225.43	137.43	0
EPS in Rs	-0.19	-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
Sales Growth %	-10.3%	18.4%	26.9%	35.5%	16.9%	20.9%	48.4%	69.8%	-
Expenses	3337	2518	1561	1234	1125	783	551	392	374
Operating Profit	-1860	-496	324	295	-64	56	177	107	-106
OPM %	-55	-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	77	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
Net Profit Growth %	-4895.8%	-95.2%	23.3%	562.3%	-45.5%	-40.1%	98.9%	249.2%	-
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	996	1244	1873	2024	1874	1104	677	520	260	36	-58
Borrowings	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	1610	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	333	417	324	323	301	301	286	125	110	87	87
CWIP	125	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

Delivery Data: UTKARSHBNK

#	Date	12 43% 16	Value (Cr)	Q/T 831	Del 44	Del 21
1	23-Oct	12	12	744	45	5
2	22-Oct	12	9	652	52	5
3	21-Oct	13	8	790	47	4
4	19-Oct	13	5	828	52	3
5	16-Oct	13	9	890	39	3
6	15-Oct	13	3	751	52	2
7	14-Oct	14	5	906	43	2
8	13-Oct	14	4	731	61	2
9	12-Oct	14	4	667	50	2
10	9-Oct	14	9	615	27	2
11	8-Oct	14	7	781	38	3
12	7-Oct	14	30	963	22	7
13	6-Oct	14	3	587	56	2
14	5-Oct	13	4	619	46	2
15	1-Oct	13	5	714	49	3
16	30-Sep	14	6	898	48	3
17	29-Sep	14	8	997	39	3
18	28-Sep	14	4	394	57	3
19	25-Sep	14	5	802	43	2
20	24-Sep	14	7	480	48	3
21	23-Sep	14	6	996	50	3
22	22-Sep	14	9	1047	51	4
23	21-Sep	14	7	837	53	4
24	18-Sep	14	7	1117	49	4
25	17-Sep	14	11	1002	31	3
26	16-Sep	14	19	1180	46	9
27	15-Sep	14	15	1000	39	6
28	11-Sep	15	21	1233	44	9
29	10-Sep	15	79	880	33	26
30	9-Sep	16	80	553	33	27
31	8-Sep	16	163	339	25	41
32	7-Sep	15	13	1028	47	6
33	4-Sep	15	9	1064	58	5
34	3-Sep	15	9	1323	60	5
35	2-Sep	15	6	911	52	3
36	1-Sep	15	17	1063	41	7
37	31-Aug	15	18	982	46	8
38	28-Aug	15	6	806	46	3
39	27-Aug	15	7	948	49	3
40	26-Aug	15	18	977	48	9
41	25-Aug	15	14	761	39	5
42	24-Aug	15	17	878	47	8
43	21-Aug	14	19	1040	44	8
44	20-Aug	14	3	599	57	2
45	19-Aug	14	2	532	59	1
46	18-Aug	14	2	398	67	1
47	17-Aug	14	3	419	56	2

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Oct	2,135c	29c	1.32
22-Oct	2,164c	73c	3.26
21-Oct	2,237c	94c	4.05
19-Oct	2,331c	36c	1.50
17-Oct	2,367c	0	0
16-Oct	2,367c	27c	1.12
15-Oct	2,394c	53c	2.18
14-Oct	2,447c	11c	0.44
13-Oct	2,436c	0	0
12-Oct	2,436c	13c	0.51
09-Oct	2,449c	43c	1.78
08-Oct	2,406c	2c	0.07
05-Oct	2,408c	23c	0.95
01-Oct	2,431c	43c	1.79
29-Sep	2,388c	16c	0.67
28-Sep	2,404c	36c	1.46
25-Sep	2,440c	29c	1.15
24-Sep	2,468c	4c	0.14
22-Sep	2,472c	52c	2.05
17-Sep	2,523c	96c	3.67
10-Sep	2,620c	0	0

Stock Checklist

Price is above from 52 week high low average: 16%

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: YES

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 2 fund scheme(s) across 1 fund house(s) as of Oct26 · Total value ₹0 Cr · 0 increasing / 0 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
Motilal Oswal Mutual Fund	2	0.00%	-	0

Utkarsh Small Finance Bank Limited

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