Utkarsh Small F.

Why is Utkarsh Small Finance Bank Ltd falling/rising?

As of 08-Aug, Utkarsh Small Finance Bank Ltd's stock is declining at 14.22, down 1.18% and has lost 17.52% over the past year, with reduced investor interest and negative financial performance contributing to its underperformance. Despite a high capital adequacy ratio, the bank faces significant challenges reflected in its poor growth metrics and negative returns.

As of 08-Aug, Utkarsh Small Finance Bank Ltd's stock price is falling, currently at 14.22, reflecting a change of -0.17 (-1.18%). The stock has been on a downward trend, having lost -2.6% over the last five days and showing a significant decline of -17.52% over the past year. This consistent underperformance is highlighted by the fact that the stock has generated negative returns in each of the last three annual periods compared to the benchmark, BSE500.<BR><BR>Investor participation has also decreased, with delivery volume dropping by -43.93% against the five-day average, indicating reduced interest in trading the stock. Although the stock has outperformed its sector by 0.26% today, it is still lower than its 5-day, 20-day, and 200-day moving averages, suggesting a lack of upward momentum.<BR><BR>Financially, the bank is facing challenges, with a net profit growth rate of -252.94% and a return on assets (ROA) of -3.3, which contributes to its expensive valuation relative to peers. The bank's capital adequacy ratio is high at 17.88%, which is a positive sign, but the overall poor long-term growth and flat results reported on June 26, including the lowest return on capital employed (ROCE) at 14.25%, further exacerbate the stock's decline.

Which are the latest news on Utkarsh Small F.?

Are Utkarsh Small Finance Bank Ltd latest results good or bad?

Utkarsh Small Finance Bank Ltd's latest results are concerning, showing a net loss of ₹33.92 crores in Q1 FY27 and cumulative losses exceeding ₹1,150 crores for FY26, despite some improvements in net interest income and reduced NPAs. Overall, the bank faces significant operational challenges, leading to low investor confidence and a 32.91% decline in stock value over the past year.

Utkarsh Small Finance Bank Ltd's latest results indicate significant challenges. In Q1 FY27, the bank reported a net loss of ₹33.92 crores, which is a substantial decline of 85.84% year-on-year. This marks the sixth consecutive quarter of losses, with cumulative losses exceeding ₹1,150 crores for FY26.<BR><BR>While there were some positive signs, such as a 5.04% year-on-year increase in net interest income to ₹422.07 crores and a reduction in gross NPAs from 7.71% to 6.09%, these improvements are overshadowed by the bank's persistent credit quality issues. The return on equity is deeply negative at -42.30%, reflecting severe capital efficiency problems.<BR><BR>Overall, the results suggest that the bank is still grappling with significant operational and financial challenges, and investor confidence remains low, as evidenced by the stock's 32.91% decline over the past year. The outlook remains uncertain, making it difficult to classify the results as good.

Should I buy, sell or hold Utkarsh Small Finance Bank Ltd?

When is the next results date for Utkarsh Small Finance Bank Ltd?

Utkarsh Small Finance Bank Ltd will announce its results on 01 August 2026.

Utkarsh Small Finance Bank Ltd is scheduled to declare its results on 01 August 2026.

What does Utkarsh Small F. do?

Utkarsh Small Finance Bank Ltd is a scheduled commercial bank in India, established in 2016, focusing on small finance banking services. As of March 2026, it reported net sales of ₹836.75 crore and a net loss of ₹188 crore, with a market capitalization of ₹2,271 crore.

Overview:<BR>Utkarsh Small Finance Bank Ltd operates as a scheduled commercial bank in the small finance bank sector, categorized as a small-cap company.<BR><BR>History:<BR>The company was incorporated on April 30, 2016, in Varanasi, Uttar Pradesh, and was granted a Certificate of Incorporation by the Registrar of Companies. It received its license from the Reserve Bank of India as a Small Finance Bank on November 25, 2016. The latest quarterly results reported are for March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 836.75 Cr (Quarterly Results - Mar 2026)<BR>Most recent Net Profit: -188 Cr (Quarterly Results - Mar 2026)<BR>Market-cap value: INR 2,271 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: N/A<BR>Industry P/E: N/A<BR>Dividend Yield: 0.00%<BR>Debt-Equity: N/A<BR>ROE: N/A<BR>Price-to-Book: N/A<BR><BR>Contact Details:<BR>Address: Utkarsh Tower NH-31 (Airport Rd, Sehmalpur Kazi Sarai Harhua Varanasi Uttar Pradesh : 221105<BR>Phone: +91 542 660 5555<BR>Email: shareholders@utkarsh.bank<BR>Website: http://www.utkarsh.bank

How big is Utkarsh Small F.?

As of 10th June, Utkarsh Small Finance Bank Ltd has a market capitalization of 2,271.00 Cr and reported a net loss of 1,150.98 Cr over the latest four quarters. Shareholder's funds are valued at 2,974.50 Cr, with total assets of 28,127.44 Cr.

As of 10th June, <BR><BR>Market Cap: Utkarsh Small Finance Bank Ltd has a market capitalization of 2,271.00 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: The company reported Net Sales of 0.00 Cr for the latest 0 quarters. The Net Profit for the latest 4 quarters was a loss of 1,150.98 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the balance sheet is March 2025. Shareholder's Funds are valued at 2,974.50 Cr, while Total Assets amount to 28,127.44 Cr.

Who are in the management team of Utkarsh Small F.?

The management team of Utkarsh Small Finance Bank includes P K Gupta (Part Time Chairman), Govind Singh (Managing Director & CEO), and several independent directors: Ajay Kumar Kapur, Kajal Ghose, Nagesh Dinkar Pinge, and Kalpana Prakash Pandey, along with Muralidharan R (Non-Executive Director), Chandra Shekhar Thanvi (Nominee from SIDBI), and Muthiah Ganapathy (Company Secretary & Compliance Officer).

The management team of Utkarsh Small Finance Bank includes the following individuals:<BR><BR>1. **P K Gupta** - Part Time Chairman / Non-Executive<BR>2. **Govind Singh** - Managing Director & CEO<BR>3. **Ajay Kumar Kapur** - Independent Director<BR>4. **Kajal Ghose** - Independent Director<BR>5. **Nagesh Dinkar Pinge** - Independent Director<BR>6. **Kalpana Prakash Pandey** - Independent Director<BR>7. **Muralidharan R** - Non-Executive Director<BR>8. **Chandra Shekhar Thanvi** - Nominee (SIDBI)<BR>9. **Muthiah Ganapathy** - Company Secretary & Compliance Officer<BR><BR>If you need more information about any specific member or their roles, feel free to ask!

Who are the peers of the Utkarsh Small F.?

Utkarsh Small Finance's peers include AU Small Finance, Ujjivan Small, Equitas Small Finance, Jana Small Finance, Suryoday Small Finance, ESAF Small Finance, and Capital Small. It has average management risk, below-average growth, and the lowest 1-year return at -50.02% compared to its peers.

Peers: The peers of Utkarsh Small F. are AU Small Finance, Ujjivan Small, Equitas Sma. Fin, Jana Small Finan, Suryoday Small, ESAF Small Fin, and Capital Small.<BR><BR>Quality Snapshot: Excellent management risk is observed at AU Small Finance and Suryoday Small, while Good management risk is found at Ujjivan Small, Equitas Sma. Fin, and Jana Small Finan. Average management risk is present at Utkarsh Small F., ESAF Small Fin, and Capital Small. For Growth, Excellent growth is seen at AU Small Finance, Ujjivan Small, Suryoday Small, and Jana Small Finan, while Average growth is noted for Equitas Sma. Fin and ESAF Small Fin, and Below Average growth is found at Utkarsh Small F. The Capital Structure is Excellent for AU Small Finance, Ujjivan Small, Equitas Sma. Fin, and Suryoday Small, while Below Average is seen at Jana Small Finan, ESAF Small Fin, and Capital Small, with Utkarsh Small F. having an Excellent rating.<BR><BR>Return Snapshot: The peer with the highest 1-year return is AU Small Finance at 25.00%, while the peer with the lowest is Utkarsh Small F. at -50.02%. Utkarsh Small F.'s return is significantly lower than all its peers. Additionally, the six-month return is negative for Utkarsh Small F., ESAF Small Fin, and Jana Small Finan.

Is Utkarsh Small F. technically bullish or bearish?

As of December 3, 2025, Utkarsh Small Finance shows a bearish trend with significant weakness indicated by bearish MACD, Bollinger Bands, and moving averages, alongside a year-to-date return of -52.35% compared to the Sensex's +8.92%.

As of 3 December 2025, the technical trend has changed from mildly bearish to bearish. The current stance is bearish with a strong indication of weakness. The weekly MACD is bearish, and both the weekly and monthly Bollinger Bands confirm a bearish outlook. Daily moving averages also reflect bearish sentiment. The stock has shown significant underperformance compared to the Sensex over multiple time frames, particularly with a year-to-date return of -52.35% versus the Sensex's +8.92%. Overall, the technical indicators suggest a continued bearish trend for Utkarsh Small Finance.

How has been the historical performance of Utkarsh Small F.?

Utkarsh Small Finance Bank has shown significant growth in income and assets from Mar'21 to Mar'25, with total income rising to 4,364.76 Cr and total assets reaching 28,127.44 Cr. However, profitability has declined due to increased provisions and expenses, with profit after tax dropping to 23.70 Cr in Mar'25 from 497.63 Cr in Mar'24.

Answer:<BR>The historical performance of Utkarsh Small Finance Bank shows significant growth in various financial metrics over the years.<BR><BR>Breakdown:<BR>Utkarsh Small Finance Bank has demonstrated a robust increase in interest earned, rising from 1,580.99 Cr in Mar'21 to 3,764.93 Cr in Mar'25. This growth is driven primarily by interest on advances, which surged from 1,385.74 Cr in Mar'21 to 3,336.96 Cr in Mar'25. Total income also saw a substantial rise, reaching 4,364.76 Cr in Mar'25, up from 1,705.84 Cr in Mar'21. However, interest expended increased as well, from 741.74 Cr in Mar'21 to 1,742.06 Cr in Mar'25, leading to a net interest income of 2,022.87 Cr in Mar'25. The bank's total expenditure, excluding depreciation, rose to 1,615.77 Cr in Mar'25, with employee costs and other operating expenses contributing to this increase. Despite these expenditures, the operating profit before provisions and contingencies improved to 1,006.93 Cr in Mar'25. However, provisions and contingencies surged to 979.28 Cr, resulting in a profit before tax of 27.65 Cr in Mar'25, a significant drop from 659.39 Cr in Mar'24. Consequently, the profit after tax fell to 23.70 Cr in Mar'25 from 497.63 Cr in Mar'24. The bank's total assets grew to 28,127.44 Cr in Mar'25, up from 19,117.60 Cr in Mar'23, with deposits increasing to 21,565.70 Cr. The cash and cash equivalents also improved, closing at 3,436.00 Cr in Mar'25. Overall, while Utkarsh Small Finance Bank has expanded its operations and income significantly, it faces challenges in maintaining profitability amid rising provisions and expenses.

Who are the top shareholders of the Utkarsh Small F.?

The top shareholders of Utkarsh Small Finance Bank include Utkarsh Coreinvest Limited with 68.92%, followed by Mirae Asset Mutual Fund at 4.55%. Individual investors hold 15.54%, while mutual funds and foreign institutional investors hold 4.72% and 0.99%, respectively.

The top shareholders of Utkarsh Small Finance Bank are primarily its promoters, with Utkarsh Coreinvest Limited holding the largest stake at 68.92%. In terms of public shareholders, Mirae Asset Mutual Fund is the highest, owning 4.55%. Additionally, mutual funds collectively hold 4.72% through two schemes, while foreign institutional investors (FIIs) hold a smaller portion at 0.99%. Individual investors account for 15.54% of the holdings.

Is Utkarsh Small F. overvalued or undervalued?

As of April 30, 2025, Utkarsh Small Finance Bank is considered very expensive with a high PE ratio of 112.81 and a low ROE of 0.76%, indicating overvaluation compared to peers like HDFC Bank and ICICI Bank, despite short-term stock outperformance against the Sensex.

As of 30 April 2025, the valuation grade for Utkarsh Small Finance Bank has moved from expensive to very expensive, indicating a significant increase in perceived valuation. The company appears to be overvalued based on its current metrics, particularly with a PE ratio of 112.81, a Price to Book Value of 0.86, and a PEG ratio of 0.00. These figures suggest that investors are paying a high price relative to earnings, which is not supported by the underlying financial performance.<BR><BR>In comparison to its peers, Utkarsh Small Finance Bank's PE ratio is substantially higher than that of HDFC Bank Ltd. at 22.51 and ICICI Bank Ltd. at 22.01, both categorized as expensive. Additionally, the company's return on equity (ROE) stands at a mere 0.76%, which further underscores the overvaluation given the lack of robust profitability. Notably, while the stock has outperformed the Sensex in the short term with a 1-week return of 4.74% compared to the Sensex's 1.35%, its year-to-date performance shows a decline of 25.29%, highlighting potential concerns about its long-term sustainability.

Has Utkarsh Small F. declared dividend?

Utkarsh Small Finance Bank Ltd has declared a 5% dividend, amounting to ₹0.5 per share, with an ex-date of July 12, 2024. However, the bank has experienced significant price declines, with total returns of -34.67% over the last 6 months and -52.64% over the past year.

Utkarsh Small Finance Bank Ltd has declared a 5% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 5%<BR>- Amount per share: 0.5<BR>- Ex-date: 12 Jul 24<BR><BR>Dividend Yield: 2.1%<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was -34.67%, with a dividend return of 0%, resulting in a total return of -34.67%.<BR><BR>Over the past year, the price return was -53.58%, while the dividend return was 0.94%, leading to a total return of -52.64%.<BR><BR>For the 2-year period, there was no price return and no dividend return, resulting in a total return of 0.0%.<BR><BR>In the 3-year period, the price return was 0% and the dividend return was also 0%, leading to a total return of 0.0%.<BR><BR>In the 4-year period, there was no change in price or dividends, resulting in a total return of 0.0%.<BR><BR>For the 5-year period, both price and dividend returns remained at 0%, resulting in a total return of 0.0%.<BR><BR>Overall, while Utkarsh Small Finance Bank Ltd has declared a dividend, the total returns over various periods indicate significant declines in price, particularly in the last year, suggesting challenges in the bank's performance despite the dividend declaration.