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CORPORATE INFORMATION   
Utkarsh Small Finance Bank Ltd
Industry :  Banks - Private Sector
BSE Code
ISIN Demat
Book Value()
543942
INE735W01017
22.048504
NSE Symbol
P/E(TTM)
Mar.Cap( Cr.)
UTKARSHBNK
0
3471.85
EPS(TTM)
Face Value()
Div & Yield %
0
10
0
Detailed Quotes
BSE NSE
Last Price() 19.39 arrowDown
Oct 29,2025 09:44:00
19.53 arrowupp
Oct 29,2025 09:39:58
Today's Change( ) -0.12 (-0.62%) arrowDown 0.05 (0.26%) arrowupp
Open( ) 19.52 19.64
Prev Close( ) 19.51 19.48
Volume 93,323.00 1,952,085.00
Today's Range( ) 19.70 - 19.20 19.69 - 19.18
52-Week Range( ) 36.62 - 16.43 36.49 - 16.89
Buy (Size) 19.36(×1000) 19.51(×1001)
Sell (Size) 19.41(×1467) 19.53(×1552)
Company Background
Incorporation Year 2016
Registered Office Utkarsh Tower NH-31 (AirportRd,Sehmalpur Kazi Sarai Harhua,
Varanasi,
Uttar Pradesh-221105
Telephone +91 542 660 5555
Fax NA
Chairman SHIVAJI KSHATRAPATI
Managing Director Govind Singh
Company Secretary Muthiah Ganapathy
Auditor Deloitte Haskins & Sells LLP/M M Nissim & Co LLP
Face Value 10
Market Lot 1
Listing BSE,NSEBSE,NSE
Registrar KFin Techologies Ltd
Karvy Selenium Tow-B,31&32 Financial Dist,Nanakramguda ,Hyderabad-500032
Board of Directors
Managing Director & Chief Executive OfficerGovind Singh
Independent DirectorAjay Kumar Kapur
Kalpana Prakash Pandey
Non Executive DirectorMuralidharan R
Company Sec. & Compli. OfficerMuthiah Ganapathy
Independent DirectorGAURI RUSHABH SHAH
Part Time ChairmanSHIVAJI KSHATRAPATI
Whole Time DirectorPramod Kumar Dubey
Balance Sheet
Particulars (Sources Of Funds)Mar 2025
( Cr)
Mar 2024
( Cr)
Mar 2023
( Cr)
Mar 2022
( Cr)
Mar 2021
( Cr)
Mar 2020
( Cr)
Capital 1101.611099.46895.90895.52848.33759.27
Reserves Total 1872.891873.731104.42676.78520.02260.23
Equity Share Warrants0.000.000.000.000.000.00
Equity Application Money0.000.000.000.000.000.00
Deposits 21565.7017472.6013710.1410074.187507.575235.21
Borrowings 2354.771995.082349.482571.932607.832675.04
Other Liabilities & Provisions 1232.471462.011057.66845.95654.17474.57
Other Liabilities0.000.000.000.000.000.00
Total Liabilities28127.4423902.8819117.6015064.3612137.929404.32
APPLICATION OF FUNDS :
Cash & Balances with RBI2638.281246.901192.061797.90274.94191.65
Balances with Banks & money at Call798.341780.571324.3173.75894.881422.39
Investments 4957.893679.472859.422347.922313.941192.39
Advances 18716.4816364.8113068.7710228.158216.866281.60
Fixed Assets 386.92311.58303.32286.53181.17131.42
Other Assets 629.53519.56369.72330.11256.13184.86
Miscellaneous Expenses not written off 0.000.000.000.000.000.00
Others0.000.000.000.000.000.00
Total Assets28127.4423902.8919117.6015064.3612137.929404.31
Contingent Liabilities89.4376.6763.3556.4262.0719.94
Bills for collection0.000.000.000.000.000.00
Deferred Tax Liability0.000.200.300.590.000.00
Profit and Loss
Particulars(INCOME)Mar 2025
( Cr)
Mar 2024
( Cr)
Mar 2023
( Cr)
Mar 2022
( Cr)
Mar 2021
( Cr)
Mar 2020
( Cr)
Interest Earned 3764.933178.412504.981848.811580.991307.69
Other Income 599.83400.34299.31184.83124.8598.56
Total Income4364.763578.752804.292033.641705.841406.25
II. Expenditure
Interest expended 1742.061292.61975.95787.96741.74579.46
Payments to/Provisions for Employees845.60736.95570.06429.83326.20262.16
Operating Expenses & Administrative Expenses 229.22195.95162.51119.2884.8492.27
Depreciation 76.5765.2758.6640.8829.5825.41
Other Expenses, Provisions & Contingencies1443.66628.58501.31575.98372.04196.52
Provision for Tax 16.19179.77125.7452.9460.0886.12
Fringe Benefit tax0.000.000.000.000.000.00
Deferred Tax -12.24-18.015.57-34.69-20.46-22.45
Total Expenditure4341.063081.132399.791972.181594.021219.50
III. Profit & Loss
Reported Net Profit23.70497.63404.5061.46111.82186.74
Extraordinary Items 0.10-0.040.030.020.000.00
Adjusted Net Profit23.60497.67404.4761.44111.82186.74
Prior Year Adjustments 0.000.000.000.000.000.00
Profit brought forward936.70569.41253.72207.25145.480.01
IV. Appropriations
Transfer to Statutory Reserve5.93124.41101.1315.3727.9546.69
Transfer to Other Reserves 20.205.94-12.31-0.3822.10-5.42
Trans. to Government /Proposed Dividend 0.000.000.000.000.000.00
Balance carried forward to Balance Sheet934.27936.70569.41253.72207.25145.48
Equity Dividend %0.005.000.000.000.000.00
Dividend Per Share(Rs)0.000.500.000.000.000.00
Earnings Per Share-Unit Curr0.224.534.520.691.322.46
Earnings Per Share(Adj)-Unit Curr0.193.854.520.691.322.46
Book Value-Unit Curr27.0027.0422.3317.5616.1313.43
Book Value(Adj)-Unit Curr22.9222.9622.3317.5616.1313.43
Quarterly Results
 
Quarters
ParticularsJun 2025 ( Cr)Mar 2025 ( Cr)Dec 2024 ( Cr)
Gross Sales0.000.000.00
Other Operating Income0.000.000.00
Other Income 137.75287.11105.49
Total Income1018.651166.731037.92
Total Expenditure 858.43687.24823.56
PBIDT160.22479.49214.37
Interest 479.09468.22452.31
PBDT-318.8711.28-237.94
Depreciation0.000.000.00
Tax-79.398.31-69.89
Fringe Benefit Tax0.000.000.00
Deferred Tax0.000.000.00
Reported Profit After Tax-239.482.97-168.05
Extra-ordinary Items 0.000.000.00
Adjusted Profit After Extra-ordinary item-239.482.97-168.05
EPS (Unit Curr.)-2.170.03-1.53
EPS (Adj) (Unit Curr.)-1.840.03-1.30
Calculated EPS (Unit Curr.)-2.170.03-1.53
Calculated EPS (Adj) (Unit Curr.)-1.840.03-1.30
Calculated EPS (Ann.) (Unit Curr.)-8.700.11-6.10
Calculated EPS (Adj) (Ann.) (Unit Curr.)-7.390.09-5.18
Book Value (Unit Curr.)24.9027.0026.90
Dividend (%)0.000.000.00
Equity1101.611101.611101.59
Reserve & Surplus0.000.000.00
Face Value10.0010.0010.00
Public Shareholding (No. Of Shares)0.000.000.00
Public Shareholding (% in Equity)0.000.000.00
Pledged/Encumbered - No. of Shares0.000.000.00
Pledged/Encumbered - % in Total Promoters Holding0.000.000.00
Pledged/Encumbered - % in Total Equity0.000.000.00
Non Encumbered - No. of Shares0.000.000.00
Non Encumbered - % in Total Promoters Holding0.000.000.00
Non Encumbered - % in Total Equity0.000.000.00
PBIDTM(%)18.1954.5122.99
PBDTM(%)-36.201.28-25.52
PATM(%)-27.190.34-18.02
Financial Ratios
   ParticularsMar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Credit-Deposit(%)89.8694.3997.95104.91113.78
Investment / Deposit (%)22.1320.9721.8926.5227.52
Cash / Deposit (%)9.957.8212.5711.793.66
Interest Expended / Interest Earned (%)46.2740.6738.9642.6246.92
Other Income / Total Income (%)13.7411.1910.679.097.32
Operating Expenses / Total Income (%)37.0236.0135.3036.0831.95
Interest Income / Total Funds (%)14.4714.7814.6613.5914.68
Interest Expended / Total Funds (%)6.706.015.715.796.89
Net Interest Income / Total Funds (%)7.788.778.957.807.79
Non Interest Income / Total Funds (%)2.311.861.751.361.16
Operating Expenses / Total Funds (%)6.215.995.795.395.06
Profit before Provisions / Total Funds (%)3.874.644.913.763.89
Net Profit / Total funds (%)0.092.312.370.451.04
RONW (%)0.8020.0122.644.189.37
Share Price
Year High () Low () Close () P/E High P/E Low P/E Close Mkt Cap.( In Cr.)
Sep 2025 19.18 17.58 17.80 107.15 95.56 97.84 2,308.97
Aug 2025 18.92 16.43 17.68 105.76 83.95 97.18 2,293.55
Jul 2025 21.06 18.51 18.58 117.23 101.39 102.13 2,410.32
Jun 2025 22.75 19.41 20.79 133.79 105.74 114.32 2,697.84
May 2025 21.30 18.81 19.61 118.72 102.15 107.83 2,544.72
Apr 2025 23.73 18.43 21.02 137.60 97.00 115.58 2,727.59
Mar 2025 21.34 17.98 18.70 120.27 96.94 102.79 2,425.75
Feb 2025 27.91 20.00 20.26 7.37 5.15 5.28 2,628.44
Jan 2025 29.44 23.31 25.90 7.85 5.88 6.75 3,359.86
Share Prices Of 2024
Dec 2024 33.43 28.82 28.87 8.91 7.50 7.53 3,745.40
Nov 2024 36.62 29.42 30.47 10.00 7.60 7.94 3,953.38
Oct 2024 39.39 32.92 35.18 10.58 8.50 9.17 4,564.47
Sep 2024 42.45 37.95 38.22 11.19 9.82 9.96 4,958.37
Aug 2024 43.64 40.66 41.59 11.61 10.58 10.84 5,393.59
Jul 2024 45.21 41.43 42.77 12.25 10.66 11.14 5,543.03
Jun 2024 46.87 40.33 43.53 12.85 10.09 11.33 5,640.43
May 2024 48.84 42.80 43.67 12.87 10.92 11.37 5,657.75
Apr 2024 52.61 40.33 48.60 14.51 10.11 12.65 6,295.01
Mar 2024 45.25 38.21 39.79 11.83 9.27 10.35 5,152.06
Feb 2024 57.93 43.00 44.31 19.58 13.36 14.18 5,735.93

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