Utkarsh Small F.

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.

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.

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.

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 ₹348.46 crore for Q3 FY26, a 778.07% decline year-on-year, and a gross NPA ratio that has risen to 12.42%. The bank is struggling with a net interest margin of 0.0% and a negative return on equity of 32.10%, indicating significant financial distress.

Utkarsh Small Finance Bank Ltd's latest results are concerning and indicate a significant decline in financial health. The bank reported a net loss of ₹348.46 crore for Q3 FY26, which marks a staggering 778.07% decrease year-on-year. This is compounded by a gross non-performing asset (NPA) ratio that has surged to 12.42%, up from 3.88% a year earlier, reflecting a dramatic deterioration in asset quality.<BR><BR>Additionally, the net interest margin has collapsed to 0.0%, down from 8.8% in the previous year, indicating that the bank is struggling to generate income from its lending activities. The return on equity (ROE) stands at a negative 32.10%, highlighting severe capital erosion.<BR><BR>Overall, the financial performance suggests that Utkarsh Small Finance Bank is facing an existential crisis, with mounting provisions and a significant loss of investor confidence. The stock has also been in a downward spiral, plummeting 54.90% over the past year. Given these factors, the latest results can be characterized as quite bad, reflecting deep-rooted challenges that the bank must address urgently.

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

The next results date for Utkarsh Small Finance Bank Ltd is 09 May 2026.

The next results date for Utkarsh Small Finance Bank Ltd is scheduled for 09 May 2026.

Why is Utkarsh Small Finance Bank Ltd falling/rising?

As of 08-May, Utkarsh Small Finance Bank Ltd's stock price is at 15.51, down 0.19%. The stock has shown a trend reversal after recent gains, with poor long-term growth prospects indicated by a significant decline in net profit and negative returns over the past year.

As of 08-May, Utkarsh Small Finance Bank Ltd's stock price is currently at 15.51, reflecting a decrease of 0.03 or 0.19%. The stock has recently experienced a trend reversal, having fallen after four consecutive days of gains. This decline is accompanied by a notable drop in investor participation, with delivery volume on 07 May decreasing by 16.57% compared to the five-day average.<BR><BR>Despite outperforming its sector by 1% today, the stock's long-term growth prospects appear poor, as evidenced by a staggering annual net profit decline of 244.36%. The company has reported negative results for the last six consecutive quarters, with the most recent profit after tax (PAT) showing a significant drop of 99.2% compared to the previous four-quarter average. Additionally, the return on assets (ROA) stands at -3.5, indicating a very expensive valuation with a price-to-book value of 1.2, which is higher than its peers' average historical valuations.<BR><BR>Over the past year, the stock has underperformed the market, generating a return of -32.59% while the broader market (BSE500) has yielded a return of 5.38%. This underperformance, combined with the company's ongoing financial struggles, contributes to the current decline in the stock price.

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