# Utkarsh Small Finance Bank Ltd (UTKARSHBNK)
> Exchange: NSE | Sector: Banking | ISIN: 

## Price
Current Price: ₹13.21
Day Change: -0.53%
52W High: ₹26.79
52W Low: ₹10.15
Market Cap: ₹2,409 Cr

## Valuation
P/E: 0
P/B: 0.62
EPS: ₹-8.37
Book Value: ₹21.71
Dividend Yield: 0%

## Returns
1Y Return: -19.35%

## Profitability
ROE: 0%
ROCE: 0%
Debt/Equity: 0
Revenue Growth: 0%
Profit Growth: 0%
EBITDA Margin: 0%
Operating Margin: 2803.26%

## About
Utkarsh Small Finance Bank Ltd is a Banks - Regional company listed on NSE. The page combines exchange quotes, financial statements, shareholding, filings, and news so investors can review the business in one place.
Sector: Banking
Industry: Banks - Regional
Sub Industry: Unknown

## Business Model
Overview: Utkarsh Small Finance Bank Ltd makes money through Interest income, Fees and commissions, Treasury and investment income in Banks - Regional. Revenue quality depends on demand growth, margin discipline, balance-sheet strength, and the company's ability to defend its position within Banking.
Source: Derived from stock data
Revenue Streams:
- Interest income
- Fees and commissions
- Treasury and investment income
Operating Model:
- Mobilises deposits or borrowings, underwrites credit, and earns spreads after credit costs.
- Asset quality, capital adequacy, and funding cost drive through-cycle performance.
Recent Context:
- Concall Transcript: Announcement under Regulation 30 (LODR)-Earnings Call Transcript
- Announcement: Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
- BSE Filing: Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

## Access
Current tier: anonymous
More history: Register free to see 1 more year.

## Data Freshness
Quote Updated: 2026-05-21T20:00:05.656Z
Price History Updated: 2026-05-18T22:58:52.900Z
Latest Price History Date: 2026-05-18
Technicals Updated: 2026-05-18T22:58:52.900Z
Quant Updated: 2026-05-18T22:58:52.900Z
Sentiment Updated: 2026-05-18T22:58:52.900Z
Financials Status: current
Financials Updated: 2026-05-19T01:16:27.050Z
Financials Last Attempt: 2026-05-19T01:16:27.050Z
Financials Provider Tried: yahoo
Latest P&L Period: FY25
Latest Balance Sheet Period: FY25
Latest Cash Flow Period: FY25

## P&L (FY25)
Revenue: ₹2622.46 Cr
Operating Profit: ₹0 Cr (OPM 0%)
Net Profit: ₹23.7 Cr
Tax: ₹3.95 Cr

## Annual P&L History
FY25: Rev ₹2622.46Cr | PAT ₹23.7Cr | OPM 0%
FY24: Rev ₹2286.2Cr | PAT ₹497.63Cr | OPM 0%
FY23: Rev ₹1828.29Cr | PAT ₹404.5Cr | OPM 0%

## Balance Sheet (FY25)
Total Assets: ₹28127.44 Cr
Total Liabilities: ₹25152.93 Cr
Borrowings: ₹2354.77 Cr
Cash: ₹3436.62 Cr

## Shareholding
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## Board
- Govind  Singh, MD, CEO & Director
- Sarjukumar Pravin Simaria, Chief Financial Officer
- Muthiah  Ganapathy, Company Secretary & Compliance Officer
- Rahul  Dey, Head of Operations & Administration
- Abhijeet  Bhattacharjee, Chief Information Officer

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Source: rupiya.io/stocks/utkarshbnk
Disclaimer: For research and education only. Not investment advice.