Utkarsh Small Finance Bank Limited

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

14 0(0%)

Volume

62L as on 22, Jun

Open

High

Low

VWAP

52 Week High

52 Week Low

Viand Research Rating

Quality Score

0/100

Growth Score

0/100

Valuation Score

50/100

Momentum Score

45/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

2,580

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 Week9%

1 Month12%

3 Months24%

6 Months18%

1 Year18%

YTD18%

Moving Average

5 Day SMA14

10 Day SMA14

20 Day SMA13

30 Day SMA13

50 Day SMA14

61 Day SMA13

80 Day SMA0

200 Day SMA0

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	16	15	16	16
Resistance 2	16	15	15	16
Resistance 1	15	15	15	15
Pivot Point	15	15	15	15
Support 1	15	15	15	15
Support 2	14	15	15	14
Support 3	14	15	14	14

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,708	746	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,380	1433	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,35,523	1014	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,47,464	1040	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,33,640	422	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,984	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,80,565	1223	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,02,712	1891	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,41,507	1026	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,86,506	1859	3%	0%	11%	0%	70	40.9	0	2470
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
Sales Growth % (YoY)	-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)	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	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
Net Profit Growth % (QoQ)	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)	-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	-1150	-959	-752	-353	23	180	464	527	498	472	450	424	405	319.43	225.43	137.43	0
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
Sales Growth %	-10.3%	18.4%	26.9%	35.5%	16.9%	20.9%	48.4%	69.8%	-
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
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	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	12 32% 16	Value (Cr)	Q/T 754	Del 41	Del 13
1	22-Jul	14	7	683	54	3
2	21-Jul	15	6	441	42	3
3	20-Jul	15	6	755	39	2
4	17-Jul	15	9	1008	38	3
5	16-Jul	15	5	670	40	2
6	15-Jul	15	9	713	41	4
7	14-Jul	15	24	635	46	11
8	13-Jul	15	17	942	47	8
9	10-Jul	15	10	764	44	4
10	9-Jul	14	3	562	46	2
11	8-Jul	14	8	933	64	5
12	7-Jul	15	7	946	53	4
13	6-Jul	15	12	873	49	6
14	3-Jul	15	12	924	51	6
15	2-Jul	15	60	803	36	22
16	1-Jul	15	16	675	43	7
17	30-Jun	14	5	650	39	2
18	29-Jun	14	5	559	44	2
19	25-Jun	15	11	710	43	5
20	24-Jun	15	32	455	29	9
21	23-Jun	14	6	632	49	3
22	22-Jun	15	9	711	47	4
23	19-Jun	15	21	843	38	8
24	18-Jun	15	146	631	17	25
25	17-Jun	14	16	654	36	6
26	16-Jun	14	5	685	45	2
27	15-Jun	13	9	903	58	5
28	12-Jun	13	8	1017	57	4
29	11-Jun	12	3	617	45	2
30	10-Jun	13	4	690	59	2
31	9-Jun	13	7	1034	46	3
32	8-Jun	12	5	681	50	2
33	5-Jun	13	5	702	52	2
34	4-Jun	12	11	915	50	5
35	3-Jun	13	10	1067	53	5
36	2-Jun	13	6	602	45	3
37	1-Jun	13	4	656	46	2
38	29-May	13	4	643	53	2
39	27-May	13	2	618	46	1
40	26-May	14	4	771	42	2
41	25-May	13	3	632	52	2
42	22-May	13	3	581	42	1
43	21-May	13	3	547	50	1
44	20-May	13	4	642	42	2
45	19-May	13	5	485	42	2
46	18-May	13	10	827	35	4
47	15-May	13	6	731	38	2
48	14-May	14	7	904	34	2

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	2,580c	9c	0.35
22-Jul	2,571c	78c	2.96
21-Jul	2,650c	23c	0.87
17-Jul	2,673c	11c	0.40
16-Jul	2,662c	20c	0.73
15-Jul	2,682c	75c	2.71
14-Jul	2,757c	59c	2.18
13-Jul	2,698c	98c	3.76
10-Jul	2,600c	82c	3.25
09-Jul	2,518c	20c	0.78
08-Jul	2,499c	101c	3.90
07-Jul	2,600c	4c	0.14
06-Jul	2,596c	192c	6.89
02-Jul	2,789c	139c	5.24
01-Jul	2,650c	105c	4.13
30-Jun	2,545c	7c	0.28
29-Jun	2,538c	55c	2.13
26-Jun	2,593c	9c	0.34
25-Jun	2,602c	39c	1.48
24-Jun	2,641c	100c	3.92
23-Jun	2,541c	75c	2.86
22-Jun	2,616c	18c	0.68
19-Jun	2,634c	125c	4.96
17-Jun	2,509c	69c	2.84
16-Jun	2,440c	50c	2.08
15-Jun	2,390c	59c	2.52
12-Jun	2,331c	109c	4.88
11-Jun	2,223c	41c	1.81
10-Jun	2,264c	0	0

Stock Checklist

Price is below from 52 week high low average: 26%

Stock is trading above all short term SMAs: YES

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

Mutual Fund Holdings

Held by 4 fund scheme(s) across 2 fund house(s) as of Jul26 · Total value ₹3 Cr · 0 increasing / 2 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
WhiteOak Capital Mutual Fund	2	0.23%	-0.54%	2.7
Motilal Oswal Mutual Fund	2	0.01%	-	0

Utkarsh Small Finance Bank Limited

Price Chart

Price Performance

Moving Average

PIVOT LEVEL

Competitors/Peers

Shareholding Pattern (%)

Quarterly Results

Profit and Loss

Cash Flows

Balance Sheet

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