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Utkarsh Small Finance Bank

UTKARSHBNK
Small Cap
(%) 1D
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1D1W1M3M6M1YMAX

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Utkarsh Small Finance Bank Share price and Fundamental Analysis

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Utkarsh Small Finance Bank Limited was incorporated on April 30, 2016 at Varanasi, Uttar Pradesh as a Public Limited Company and was granted a Certificate of Incorporation by the Registrar of Companies. The Promoter, Utkarsh CoreInvest Limited, started operations as a NBFC in year 2010 and was focused on providing microfinance to unserved and underserved segments in the States of Uttar Pradesh and Bihar. Later on, it converted to a NBFC- MFI. The Bank is engaged in providing banking and financial services and governed by Banking Regulation Act, 1949.
Company Incorporation2016
ChairmanP K Gupta
Head QuartersVaranasi
Previous NameNA

Key Metrics

Market Cap (Cr)
2,672.51
PE Ratio
110.27
Industry P/E
17.17
PEG Ratio
-1.16
ROE
0.8%
ROCE
2.3%
ROA
0.09%
Total Debt (Cr)
Debt to Equity
Dividend Yield
0%
EPS
0.22
Book Value & P/B
27.0 x 0.9
Face Value
10
Outstanding Shares(Cr)
110.16
Current Ratio
EV to Sales
6.15

Included In

+More

Stock Returns

1 Week+4.65%
1 Month-0.99%
6 Months-33.03%
1 Year-54.46%
3 Years-49.85%
5 Years-49.85%

CAGR

1 Year CAGR

Revenue Growth

+26.88%

Net Profit Growth

+23.02%

Financing Profit Growth

+9.86%

Dividend Growth

N/A

Stock Returns CAGR

-54%
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Corporate Action

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Mar 25

Promoters : 68.92%

FIIs : 0.99%

DIIs : 7.03%

Public : 23.05%

Promoter
FII/FPI
DII
Public
Promoter Pledge stands at 0.0% of holding in March 2025 Qtr
Promoter Shareholding Decreased by 0.01% to 68.92% in March 2025 Qtr
FII Shareholding Decreased by 0.35% to 0.99% in March 2025 Qtr
DII Shareholding Decreased by 1.19% to 7.03% in March 2025 Qtr

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ROE

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ROCE

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ROA

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NPM

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Dividend History

Utkarsh Small Finance Bank Competitors

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Utkarsh Small Finance Bank Management and History

Company Management

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Company History

Utkarsh Small Finance Bank Limited was incorporated on April 30, 2016 at Varanasi, Uttar Pradesh as a Public Limited Company and was granted a Certificate of Incorporation by the Registrar of Companies. The Promoter, Utkarsh CoreInvest Limited, started operations as a NBFC in year 2010 and was focused on providing microfinance to unserved and underserved segments in the States of Uttar Pradesh and Bihar. Later on, it converted to a NBFC- MFI. The Bank is engaged in providing banking and financial services and governed by Banking Regulation Act, 1949.

On October 7, 2015, the Promoter received the RBI In-Principle Approval to establish an SFB, following which it incorporated Utkarsh Small Finance Bank Limited as a wholly-owned subsidiary on April 30, 2016. Subsequently, the Bank received final approval of the RBI to carry on the business as an SFB on November 25, 2016. Accordingly, Utkarsh CoreInvest Limited transferred its business of providing microfinance, as a going concern to the Bank and consequently commenced its operations from January 23, 2017. The Bank was included in second schedule to the RBI Act as a Scheduled Commercial Bank pursuant to a notification dated October 4, 2017 issued by the RBI and published in the Gazette of India on November 7, 2017.

Following the commencement of SFB operations, the Bank further engaged with borrowers by focusing on microfinance and diversifying product offerings to include savings accounts, deposit products and other loan products. The Bank operations were focused in the states of Uttar Pradesh, where it headquartered and also in Bihar and Jharkhand.

The Banking Operations are spread across India and are present in 22 States and Union Territories with 686 Banking Outlets as of March 31, 2022. It had a network of 209 on-site and 6 offsite ATMs. As of March 31, 2022, the Bank had also set-up 310 micro-ATMs. As of March 31, 2022, 67.91% of Gross Loan Portfolio (GLP) has been generated from Bihar, Uttar Pradesh and Jharkhand, respectively.

The Bank asset products include micro banking loans that include joint liability group loans, and individual loans; retail loans including, unsecured loans, such as business loans and personal loans, and secured loans, such as loans against property (LAP); wholesale lending that includes short term and long term loan facilities to SMEs, mid and large corporate and institutional clients; housing loans with a focus on affordable housing; commercial vehicle / construction equipment loans; and Utkarsh Gold Loan' product that was launched in Fiscal 2022. On the liabilities side, it offer savings accounts, current accounts and a variety of term and recurring deposit accounts. In addition, it provide non-credit offerings comprising ATM-cum-debit cards, bill payment system and distribute mutual funds and insurance products.

The Company is planning to come out with a public issue of Rs. 500 crore Equity Shares through fresh issue.

Utkarsh Small Finance Bank Share Price

Utkarsh Small Finance Bank share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.

Utkarsh Small Finance Bank Market Cap

Market capitalization of Utkarsh Small Finance Bank indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how Utkarsh Small Finance Bank is valued compared to its competitors.

Utkarsh Small Finance Bank PE Ratio

Utkarsh Small Finance Bank PE ratio helps investors understand what is the market value of each stock compared to Utkarsh Small Finance Bank 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.

Utkarsh Small Finance Bank PEG Ratio

The PEG ratio of Utkarsh Small Finance Bank evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.

Utkarsh Small Finance Bank ROE (Return on Equity)

Return on Equity (ROE) measures how effectively Utkarsh Small Finance Bank generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.

Utkarsh Small Finance Bank ROCE (Return on Capital Employed)

Return on Capital Employed (ROCE) evaluates the profitability of Utkarsh Small Finance Bank in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.

Utkarsh Small Finance Bank Total Debt

Total debt of Utkarsh Small Finance Bank shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.

Utkarsh Small Finance Bank Debt to Equity Ratio

The Debt-to-Equity (DE) ratio of Utkarsh Small Finance Bank compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.

Utkarsh Small Finance Bank CAGR (Compound Annual Growth Rate)

CAGR shows the consistent growth rate of Utkarsh Small Finance Bank over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.

Utkarsh Small Finance Bank Technical Analysis

Technical analysis of Utkarsh Small Finance Bank helps investors get an insight into when they can enter or exit the stock. Key components of Utkarsh Small Finance Bank Technical Analysis include:

Support Levels (S1, S2, S3)

There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.

Resistance Levels (R1, R2, R3)

There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where Utkarsh Small Finance Bank shares often struggle to rise above due to selling pressure.

Utkarsh Small Finance Bank Dividends

Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect Utkarsh Small Finance Bank ’s financial health and profitability.

Utkarsh Small Finance Bank Bonus Shares

Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.

Utkarsh Small Finance Bank Stock Split

Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.

Utkarsh Small Finance Bank Financials

The financials of Utkarsh Small Finance Bank provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.

Utkarsh Small Finance Bank Profit and Loss Statements

The profit and loss statement of Utkarsh Small Finance Bank highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of Utkarsh Small Finance Bank .

Utkarsh Small Finance Bank Balance Sheet

The balance sheet presents a snapshot of Utkarsh Small Finance Bank ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.

Utkarsh Small Finance Bank Cashflow Statements

Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.

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