What does Utkarsh Small F. do?

Utkarsh Small Finance Bank Ltd provides financial services to unserved and underserved segments, focusing on small-cap banking operations. Incorporated in 2016, it reported net sales of ₹879.62 Cr and a net profit of ₹3 Cr for March 2025.

Overview:<BR>Utkarsh Small Finance Bank Ltd is a small-cap company operating in the Other Bank industry, focused on providing financial services to unserved and underserved segments.<BR><BR>History:<BR>The company was incorporated on April 30, 2016, in Varanasi, Uttar Pradesh, as a Public Limited Company. It is a subsidiary of Utkarsh Core Invest Limited, which began operations as a Non-Banking Financial Company (NBFC) in 2010. The latest quarterly results reported are for March 2025.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 879.62 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 3 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 2,666 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: N/A <BR>Industry P/E: N/A <BR>Dividend Yield: 2.10% <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

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.

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.

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, ESAF Small Finance, Suryoday Small Finance, and Capital Small Finance. In terms of performance, AU Small Finance leads with a 1-year return of 25.57%, while Utkarsh Small Finance has the lowest at -54.04%.

Peers: The peers of Utkarsh Small F. are AU Small Finance, Ujjivan Small, Equitas Sma. Fin, Jana Small Finan, ESAF Small Fin, Suryoday Small, and Capital Small.<BR><BR>Quality Snapshot: Excellent management risk is observed at AU Small Finance and Jana Small Finan, while Good management risk is found at Ujjivan Small, Equitas Sma. Fin, Utkarsh Small F., and Capital Small. Average management risk is present at ESAF Small Fin and Suryoday Small. For Growth, Excellent growth is noted at AU Small Finance, Ujjivan Small, Jana Small Finan, and Suryoday Small, while Average growth is seen at Utkarsh Small F. and Equitas Sma. Fin, and Below Average growth is found at ESAF Small Fin. In terms of Capital Structure, Excellent capital structure is observed at AU Small Finance, Ujjivan Small, Equitas Sma. Fin, and Utkarsh Small F., while Below Average capital structure is noted at Jana Small Finan, ESAF Small Fin, and Capital Small.<BR><BR>Return Snapshot: The peer with the highest 1-year return is AU Small Finance at 25.57%, while the lowest is Utkarsh Small F. at -54.04%. Utkarsh Small F.'s 1-year return is significantly lower than all its peers. Additionally, the peers with negative six-month returns include Equitas Sma. Fin, ESAF Small Fin, and Capital Small.

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

As of March 2022, the management team of Utkarsh Small Finance Bank includes P K Gupta (Part Time Chairman), Govind Singh (Managing Director & CEO), and several independent directors, along with a company secretary. This diverse team oversees the bank's operations and governance.

As of March 2022, 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>This team comprises a mix of executive and independent directors, along with a company secretary, overseeing the operations and governance of the bank.

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.

How big is Utkarsh Small F.?

As of 24th July, Utkarsh Small Finance Bank Ltd has a market capitalization of 2,541.00 Cr and total assets of 23,902.89 Cr, with shareholder's funds valued at 2,973.19 Cr. The company reported a net profit of 23.71 Cr for the latest four quarters.

As of 24th July, <BR><BR>Market Cap: Utkarsh Small Finance Bank Ltd has a market capitalization of 2,541.00 Cr and is classified as a Small Cap company.<BR><BR>Recent Quarterly Performance: The company reported no valid Net Sales data for summing, while the Net Profit for the latest four quarters is 23.71 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the balance sheet is March 2024. Shareholder's Funds are valued at 2,973.19 Cr, and Total Assets amount to 23,902.89 Cr.

Are Utkarsh Small F. latest results good or bad?

Utkarsh Small Finance Bank's latest results are concerning, with a Profit Before Tax of Rs -456.62 crore and a Profit After Tax of Rs -239.48 crore, marking significant declines in profitability and indicating ongoing financial challenges. Net sales also decreased by 6.4%, highlighting further struggles in performance.

The latest results for Utkarsh Small Finance Bank are concerning. The bank reported a Profit Before Tax (PBT) of Rs -456.62 crore, which is a significant decline of 219.2% compared to the previous average PBT. This marks the lowest PBT recorded in the last five quarters, indicating a troubling trend in profitability.<BR><BR>Furthermore, the Profit After Tax (PAT) has dropped dramatically to Rs -239.48 crore, reflecting a staggering decrease of 4140.2% from the average PAT of the previous quarters. This sharp decline suggests ongoing challenges in the bank's financial performance.<BR><BR>Net sales also saw a decrease of 6.4%, coming in at Rs 880.91 crore, which is lower than the average of the last four quarters. Additionally, the Earnings per Share (EPS) has reached its lowest point in five quarters at Rs -2.17, further emphasizing the bank's struggles with profitability.<BR><BR>Overall, these results indicate a significant decline in financial performance, raising concerns about the bank's operational challenges and profitability moving forward.

When is the next results date for Utkarsh Small F.?

Utkarsh Small F. will announce its results on 14 November 2025.

Utkarsh Small F. will declare its results on 14 November 2025.

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.

Should I buy, sell or hold Utkarsh Small F.?

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.

Which are the latest news on Utkarsh Small F.?

Why is Utkarsh Small F. falling/rising?

As of 20-Dec, Utkarsh Small Finance Bank Ltd's stock price is rising to 15.06, but it has a year-to-date decline of 55.71% and has faced negative financial performance over the last five quarters. Despite the short-term increase, the stock's long-term challenges and high valuation relative to peers raise concerns for investors.

As of 20-Dec, Utkarsh Small Finance Bank Ltd's stock price is rising, currently at 15.06, reflecting an increase of 0.3 or 2.03%. This rise comes after a trend reversal, as the stock has gained following four consecutive days of decline. Additionally, the stock has outperformed its sector by 1.75% today, indicating a relative strength compared to its peers.<BR><BR>Despite this short-term increase, the stock has faced significant challenges over a longer period. It has shown a year-to-date decline of 55.71% and a one-year drop of 58.52%, underperforming the Sensex, which has gained 8.69% in the same timeframe. The company's financial performance has been troubling, with negative results reported for the last five consecutive quarters, including a particularly poor performance in the most recent quarter with a PAT of Rs -348.46 crore, marking a drastic fall of 294.7% compared to the previous four-quarter average.<BR><BR>Investor participation has also been declining, as evidenced by a 27.74% drop in delivery volume compared to the five-day average. Furthermore, the stock is trading at a premium relative to its peers, with a Price to Book Value of 1.1, indicating a very expensive valuation amidst falling profits, which have decreased by 262.1% over the past year. <BR><BR>In summary, while the stock is experiencing a short-term rise, it is important to consider the broader context of its significant long-term declines and ongoing financial struggles.