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

Nov 15 2025 12:29 AM IST
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Utkarsh Small Finance Bank has shown significant growth in income and assets, with total income rising from 1,705.84 Cr in Mar'21 to 4,364.76 Cr in Mar'25. However, profitability metrics have fluctuated, with profit before tax peaking at 659.39 Cr in Mar'24 before dropping to 27.65 Cr in Mar'25.
Answer:
The historical performance of Utkarsh Small Finance Bank shows significant growth in various financial metrics over the years.

Breakdown:
Utkarsh Small Finance Bank has demonstrated a consistent increase in interest earned, rising from 1,580.99 Cr in Mar'21 to 3,764.93 Cr in Mar'25. This growth is primarily driven by interest on advances, which grew from 1,385.74 Cr in Mar'21 to 3,336.96 Cr in Mar'25. Total income also saw a substantial increase, reaching 4,364.76 Cr in Mar'25 compared to 1,705.84 Cr in Mar'21. However, the bank's profit before tax experienced fluctuations, peaking at 659.39 Cr in Mar'24 before dropping to 27.65 Cr in Mar'25. Profit after tax followed a similar trend, reaching 497.63 Cr in Mar'24 and then declining to 23.70 Cr in Mar'25. The bank's total liabilities increased significantly from 12,137.92 Cr in Mar'21 to 28,127.44 Cr in Mar'25, with deposits also rising from 7,507.57 Cr to 21,565.70 Cr during the same period. Cash and cash equivalents improved, closing at 3,436.00 Cr in Mar'25, up from 1,169.00 Cr in Mar'21. Overall, while Utkarsh Small Finance Bank has shown impressive growth in income and assets, its profitability metrics have faced challenges in recent years.
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