Utkarsh Small Finance Bank financials

·Banking & FinanceChart ›
Latest results Q1 FY27 · Apr–Jun 2026
Total income
₹1,002cr−1.6% on Q1 FY26
Net interest income
₹422cr+5.0% on Q1 FY26
Net profit
−₹33.9cr−₹239 cr in Q1 FY26
EPS
−₹0.19−₹2.17 in Q1 FY26

Quarterly results

Every quarter ›
₹ croreQ1 FY27Q1 FY26Change
Total income1,0021,019−1.6%
Net interest income422402+5.0%
Operating profit63.691.6−30.6%
Net profit−33.9−239—
EPS−₹0.19−₹2.17—

Over time

Q1 FY27 · Apr–Jun 2026latest
Total income₹1,002 crNet profit₹−33.9 crNet interest margin5.9%

Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.

Key numbersby financial year

₹ crore except per share
Tap a line for its trendCurrentlast 12MFY26Mar 2026FY25Mar 2025FY24Mar 2024
2,118———
3,3813,3793,7653,178
—−10.3%+18.5%—
1,4971,4772,0231,886
—−27.0%+7.3%—
5.2%5.2%7.8%7.9%
28.356.31,007997
−945−1,15123.7498
—−4,956.4%−95.2%—
−₹5.31−₹6.47₹0.13₹2.80
—−4,956.4%−95.2%—
−40.0%−40.0%0.8%16.7%
Balance sheet & asset quality
21,65421,65421,56617,473
18,07018,07018,71616,365
—7.7%9.4%0.0%
—3.3%4.8%—
Open the chart

From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.

UTKARSHBNK₹11.90

Utkarsh Small Finance Bank Limited

· Banking & Finance
₹ CrorePeersSURYODAYCAPITALSFBFINOPBMcap ₹2,118 Cr
HighlightsMultiplesPer ShareAnnuals · FY-end closes
In ₹ Crore except Per Share
12 Months Ending
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Current/LTM
TTM · last close
Market Capitalization———2,117.6
Interest Earned3,178.43,764.93,378.83,381.4
Growth %, YoY—+18.5-10.3—
Net Interest Income1,885.82,022.91,476.71,497.0
Growth %, YoY—+7.3-27.0—
NIM %, on assets7.897.785.185.18
Operating Profit (PPOP)997.31,006.956.328.3
Net Income497.623.7-1,151.0-945.4
Growth %, YoY—-95.2-4,956.4—
EPS, Adj (current shares)2.800.13-6.47-5.31
Growth %, YoY—-95.2-4,956.4—
ROE %16.740.80-40.03-40.03
Balance Sheet & Asset Quality
Deposits17,472.621,565.721,654.021,654.0
Advances16,364.818,716.518,069.618,069.6
Gross NPA %0.029.437.71—
Net NPA %—4.843.29—
Market Cap/EV/multiples pair each (split/bonus-adjusted) FY-end close with the latest filed share count; Current column uses the last close. Market Capitalization is a market-level figure — identical across Consolidated/Standalone (the accounting rows below differ). NPA/CAR sourced from bank-level (standalone) filings. No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · StandaloneFA Financial Analysis · alphave
Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.

Utkarsh Small Finance Bank financials and key ratios

Prices at the previous close · figures from the company's filings with NSE

Utkarsh Small Finance Bank (NSE: UTKARSHBNK) had a market capitalisation of ₹2,118 crore at the previous close (₹11.90 a share) and a price-to-book ratio of 0.76. In FY26 its standalone net loss was ₹1,151 crore on net interest income of ₹1,477 crore; in Q1 FY27 (April–June 2026) it was a loss of ₹33.9 crore. Gross NPAs were 6.09% of advances on 30 June 2026. Promoters held 42.67% of the shares on 30 September 2026.

Share price used
₹11.90 · previous close
Latest balance sheet
31 March 2026
Shareholding pattern
30 September 2026

Utkarsh Small Finance Bank at a glance · consolidated

Market cap
₹2,118 Crat ₹11.90 · previous close
PE ratio
n/aloss over the last 4 quarters
Price to book (PB)
0.76book value ₹15.60 a share
ROE (FY26)
−40.0%−40.8 pts vs FY25
Gross NPA
6.09%11.42% in Q1 FY26net NPA 2.86% · Q1 FY27
Promoter holding
42.67%unchanged vs 30 Jun 202630 September 2026
Net worth
₹2,776 Cr−6.7% vs 31 Mar 202531 March 2026
CET1 ratio
17.44%30 June 2026
EPS (FY26)
−₹8.37

Questions

What is the Utkarsh Small Finance Bank PE ratio today?

Utkarsh Small Finance Bank's PE ratio is not meaningful at the previous close: its consolidated net profit over the last four quarters (Q2 FY26 to Q1 FY27) was a loss of ₹945 crore, and a price-to-earnings ratio needs positive earnings. Its market capitalisation was ₹2,118 crore at ₹11.90 a share.

What is the Utkarsh Small Finance Bank PB ratio (price to book value)?

Utkarsh Small Finance Bank's price-to-book (PB) ratio is 0.76 at the previous close: a market capitalisation of ₹2,118 crore divided by shareholders' equity (book value) of ₹2,776 crore on 31 March 2026. That is a book value of ₹15.60 per share against a share price of ₹11.90.

What is the Utkarsh Small Finance Bank net worth?

Utkarsh Small Finance Bank's net worth — shareholders' equity in its consolidated balance sheet — was ₹2,776 crore on 31 March 2026, down 6.7% from ₹2,975 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹2,118 crore at the previous close.

What is the Utkarsh Small Finance Bank market cap?

Utkarsh Small Finance Bank's market capitalisation was ₹2,118 crore at the previous close: 177.95 crore shares at ₹11.90 each.

What is the Utkarsh Small Finance Bank ROE?

In FY26, Utkarsh Small Finance Bank's return on equity (ROE) was −40.0%. ROE is net profit divided by average shareholders' equity (the start and end of the year). In FY25, ROE was 0.8%.

What is the Utkarsh Small Finance Bank NPA?

Utkarsh Small Finance Bank's gross non-performing assets (NPAs) were ₹1,163 crore, 6.09% of gross advances, on 30 June 2026 (11.42% a year earlier). Net NPAs were 2.86% of net advances (5.00% a year earlier).

What is the Utkarsh Small Finance Bank book value per share?

Utkarsh Small Finance Bank's book value per share was ₹15.60 on 31 March 2026: shareholders' equity of ₹2,776 crore divided by the 177.95 crore shares in issue. The share price at the previous close was ₹11.90.

What is the Utkarsh Small Finance Bank revenue and profit in FY26?

In FY26 (April 2025–March 2026), Utkarsh Small Finance Bank's standalone net loss was ₹1,151 crore, against a profit of ₹23.7 crore in FY25, on net interest income of ₹1,477 crore (down 27.0%).

When are the Utkarsh Small Finance Bank next results?

Utkarsh Small Finance Bank will announce its Q2 FY27 results (July–September 2026) on Tuesday, 3 November 2026, the date of the board meeting it has notified to the exchanges.

What is the Utkarsh Small Finance Bank EPS?

Utkarsh Small Finance Bank's basic earnings per share (EPS) were −₹8.37 in FY26.

What is the Utkarsh Small Finance Bank CD ratio (credit-deposit ratio)?

Utkarsh Small Finance Bank's credit-deposit ratio was 83.5% on 30 June 2026: advances divided by deposits, from its standalone balance sheet.

What is the Utkarsh Small Finance Bank capital adequacy ratio?

Utkarsh Small Finance Bank's common equity tier 1 (CET1) ratio was 17.44% on 30 June 2026.

What is the Utkarsh Small Finance Bank promoter holding?

Promoters held 42.67% of Utkarsh Small Finance Bank on 30 September 2026, unchanged from the previous quarter and down 26.25 percentage points from 68.92% a year earlier, according to the shareholding pattern filed with NSE.

What are the Utkarsh Small Finance Bank latest quarterly results?

Utkarsh Small Finance Bank's latest results are for Q1 FY27 (April–June 2026), filed on 1 August 2026: standalone net loss ₹33.9 crore, narrower than the loss of ₹239 crore in Q1 FY26; net interest income ₹422 crore, up 5.0% year on year.

Utkarsh Small Finance Bank vs Suryoday Small Finance Bank: how do they compare?

In FY26, Utkarsh Small Finance Bank earned net profit of ₹1,151 crore, against ₹152 crore for Suryoday Small Finance Bank. Utkarsh Small Finance Bank's return on equity was −40.0% (Suryoday Small Finance Bank 7.6%) and its gross NPA ratio 7.71% (Suryoday Small Finance Bank 6.55%).

What is the Utkarsh Small Finance Bank shareholding pattern?

On 30 September 2026, Utkarsh Small Finance Bank's shares were held by promoters 42.67%, foreign portfolio investors (FII/FPI) 10.44%, domestic institutions (DII) 9.17% (including mutual funds at 0.00%) and retail and other non-institutional investors 37.73%. Over the year, FII holding was up 8.76 percentage points from 1.68% and DII holding was up 6.78 percentage points from 2.39%.

How does Utkarsh Small Finance Bank compare with its peers?

On FY26 consolidated figures, against Suryoday Small Finance Bank, Capital Small Finance Bank and Fino Payments Bank: Utkarsh Small Finance Bank's return on equity of −40.0% is the lowest of the four (Suryoday Small Finance Bank 7.6%, Capital Small Finance Bank 10.1%, Fino Payments Bank 6.8%; peer average 8.1%); its return on assets of -4.04% is the lowest of the four (Suryoday Small Finance Bank 0.86%, Capital Small Finance Bank 1.27%, Fino Payments Bank 1.10%; peer average 1.08%); its gross NPA ratio of 7.71% is the highest of the four (Suryoday Small Finance Bank 6.55%, Capital Small Finance Bank 2.54%, Fino Payments Bank 0.00%; peer average 3.03%).

Where do these Utkarsh Small Finance Bank figures come from?

From Utkarsh Small Finance Bank's own consolidated results, balance sheets and shareholding patterns filed with NSE. Ratios are calculated by Alphave from those filings as each answer describes.

Consolidated figures from the company's filings with NSE; prices are NSE closing prices.