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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

11.90 0 (1.36%)

As on 30 Oct 2026 (EOD)

Today’s Low
11.70
Today’s High
12.05

Open
11.83
Perv Close
11.74
52W Low
10.12
52W High
21.08

Key Indicators

P/E(TTM)

0.00
Mar.Cap (₹Cr.)

2,117.63
Div & Yield %

0.00
Book Value(₹)

15.60
Debt-Equity Ratio

1.36
AGM Date

29-Oct-2026
EPS

0.00
P/E Ratio

0.00

Financials Ratios

Debt-Equity Ratio

-
Mar.Cap (₹Cr.)

2,117.63

RONW (%)

-
ROCE (%)

-

Score Board

Equity (₹ in Cr.)

1,779.52
BV (₹)

15.60
Sales( ₹ in Cr.)

3,809.75
NP (in Cr.)

-1,150.79
NP Var(%)

-5035.0
Div%

0.0
CPS (₹)

-6.00
EPS (₹)

-6.50
Traded Value (₹ in Lakhs)

2,119.41

52 Week High

21.08
52 Week Low

10.12
Price BSE

12.0
Price NSE

12.00
Market Capital( in Cr.)

2,119.41
P/C Ratio

-2.00
P/E Ratio

-1.90
Price Vs.BV

-6.50

03-Sep-2026( 07:32)

Hot Pursuit - Utkar... - <p>Utkarsh Small Finance Bank...
17-Jul-2026( 10:30)

Corporate News - Utkar... - Utkarsh Small Finance Bank wi...
22-Jun-2026( 03:33)

Corporate News - Utkar... - Utkarsh Small Finance Bank an...
18-Jun-2026( 09:45)

Corporate News - Utkar... - Utkarsh Small Finance Bank wi...

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Financials

All Values are in (₹Cr)

Particulars(INCOME)	2026 Mar	2025 Mar	2024 Mar	2023 Mar	2022 Mar	2021 Mar
INCOME :
Interest Earned	3,378.78	3,764.93	3,178.41	2,504.98	1,848.81	1,580.99
Other Income	430.97	599.83	400.34	299.31	184.83	124.85
Total Income	3,809.75	4,364.76	3,578.75	2,804.29	2,033.64	1,705.84
EXPENDITURE :
Interest Expended	1,902.04	1,742.06	1,292.61	975.95	787.96	741.74
Payments to and Provisions for Employees	947.96	845.60	736.95	570.06	429.83	326.20
Operating Expenses & Administrative Expenses	295.96	229.22	195.95	162.51	119.28	84.84
Depreciation	77.33	76.57	65.27	58.66	40.88	29.58
Other Expenses, Provisions & Contingencies	2,093.07	1,443.66	628.58	501.31	575.98	372.04
Provision for Tax	0.18	16.19	179.77	125.74	52.94	60.08
Provision Towards Deferred Tax	-355.82	-12.24	-18.01	5.57	-34.69	-20.46
Total Expenditure	4,960.73	4,341.06	3,081.13	2,399.79	1,972.18	1,594.02
PROFIT & LOSS
Net Profit / Loss for The Year	-1,150.98	23.70	497.63	404.50	61.46	111.82
Extraordinary Items	-0.19	0.38	-0.04	0.03	0.02	0.00
Adjusted Net Profit	-1,150.79	23.32	497.67	404.47	61.44	111.82
Profit brought forward	879.24	936.70	569.41	253.72	207.25	145.48
APPROPRIATION
Transfer to Statutory Reserve	0.00	5.93	124.41	101.13	15.37	27.95
Transfer to Other Reserves	-0.35	20.21	5.94	-12.31	-0.38	22.10
Trans. to Government /Proposed Dividend	0.00	55.02	0.00	0.00	0.00	0.00
Balance carried forward to Balance Sheet	-271.39	879.24	936.70	569.41	253.72	207.25
Equity Dividend(%)	0.00	0.00	5.00	0.00	0.00	0.00
Dividend Per Share(Rs)	0.00	0.00	0.50	0.00	0.00	0.00
Earnings Per Share-Unit Curr	-6.47	0.22	4.53	4.52	0.69	1.32
Earnings Per Share(Adj)-Unit Curr	-6.47	0.19	3.85	-	-	-
Book Value-Unit Curr	15.60	27.00	27.04	22.33	17.56	16.13
Book Value(Adj)-Unit Curr	15.60	22.93	22.96	-	-	-

Shareholding Pattern

Promoter Group

42.67%
Public Share Holding

57.33%

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	42.67	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	42.67	759,272,222	1
Total ShareHolding for Promoter & Group
B]. Publice Share Holding
1] Institution
Government(Central / State)	0	0.00	0	0
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	185,725,210	10.44	185,725,210	30
Foreign Venture Capital Investors	0	0.00	0	0
Foreign Institution Other	0	0.00	0	0
Insurance Companies	127,979,801	7.19	127,979,801	6
Mutual Funds / UTI	2,988	0.00	2,988	1
Individuals (Non-Resident / Foreign)	0	0.00	0	0
NSDL Intransit	0	0.00	0	0
Others	35,158,960	1.98	35,158,960	5
Trusts	0	0.00	0	0
Venture Capital Funds	0	0.00	0	0
Sub total	348,866,959	19.60	348,866,959	42
2] Non Institution
Bodies Corporate	87,780,005	4.93	87,780,005	505
Clearing Members	5	0.00	5	2
Directors of their Relatives	1,201,359	0.07	1,201,359	3
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	15,473,477	0.87	15,473,477	1,852
Foreign Non Institution Other	42,200,602	2.37	42,200,602	2
Hindu Undivided Families	24,947,856	1.40	24,947,856	1
Indian Public	0	0.00	0	0
Individuals holding nominal share capital in excess of Rs. 1 lakh	273,038,349	15.34	273,038,349	3,212
Individuals holding nominal share capital up to Rs. 1 lakh	226,742,850	12.74	226,742,850	268,432
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	671,384,503	37.73	671,384,503	274,009
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 )	1,779,523,684	100.00	1,779,523,684	274,052

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

M M Nissim & Co LLP/KKC & Associates 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.	11.91	3,809.75	3,378.78	-2.24
ICICI Bank	1,385.70	200,703.68	169,946.09	18.20
SBI	980.00	556,240.68	482,797.17	11.03
HDFC Bank	685.00	370,054.63	307,522.07	13.82
Kotak Mah. Bank	457.00	67,187.26	55,563.98	28.76
Karur Vysya Bank	355.00	13,158.67	11,074.35	11.60
Federal Bank	347.50	32,135.76	27,695.38	17.67
Bank of Baroda	241.50	142,750.49	126,993.66	7.45
Canara Bank	119.75	153,204.21	126,366.17	5.52
IDBI Bank	79.94	35,743.53	28,997.26	10.48
UCO Bank	22.18	29,740.99	26,281.36	9.32

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Sagility

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HDFC Bank

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Hexaware Tech.

Suzlon Energy

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Diamond Power

Equitas Sma. Fin

APL Apollo Tubes

Utkarsh Small Finance Bank Ltd Banks - Private Sector

11.90 0 (1.36%)

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