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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
21.44 0 (1.47%)
  • As on 03 Sep 2025 (EOD)

  • Today’s Low

    21.11

  • Today’s High

    21.65

  • Open

    21.19

  • Perv Close

    21.13

  • 52W Low

    19.90

  • 52W High

    50.10

Key Indicators

  • P/E(TTM)

    0.00

  • Mar.Cap (₹Cr.)

    2,327.70

  • Div & Yield %

    0.00

  • Book Value(₹)

    27.00

  • Debt-Equity Ratio

    1.47

  • AGM Date

    03-Sep-2025

  • EPS

    0.00

  • P/E Ratio

    0.00

Financials Ratios

  • Debt-Equity Ratio

    -

  • Mar.Cap (₹Cr.)

    2,327.70

  • 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)

    2,326.60

  • 52 Week High

    50.10

  • 52 Week Low

    19.90

  • Price BSE

    21.0

  • Price NSE

    21.00

  • Market Capital( in Cr.)

    2,326.60

  • P/C Ratio

    23.10

  • P/E Ratio

    98.00

  • Price Vs.BV

    0.20

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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 LLP/M M Nissim & Co 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. 21.12 4,364.76 3,764.93 -6.58 0.00
Kotak Mah. Bank 1,942.50 67,880.86 52,919.73 28.65 0.00
ICICI Bank 1,394.45 191,770.48 163,263.78 20.35 0.00
HDFC Bank 944.40 346,149.32 300,517.04 20.92 0.00
SBI 803.95 524,172.41 462,489.35 10.16 0.00
Bank of Baroda 236.60 138,088.97 121,441.64 6.22 0.00
Karur Vysya Bank 210.05 11,507.59 9,678.04 10.12 0.00
Federal Bank 193.55 30,166.50 26,365.25 12.19 0.00
Canara Bank 106.15 142,207.87 119,755.07 5.39 0.00
IDBI Bank 89.19 33,826.02 28,902.03 12.29 0.00
UCO Bank 28.85 29,473.55 25,066.91 14.50 0.00