UTKARSHBNK14.70

Utkarsh Small Finance Bank Limited

· Banking & Finance
₹ CrorePeersSURYODAYCAPITALSFBFINOPBMcap ₹2,616 Cr
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In ₹ Crore except Per Share
12 Months Ending
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Last 12M
30/06/2026
Adjustments to Reconcile Profit — Non-cash Items
+ Depreciation & Amortisation85.1132.0207.4
+ Impairment Loss / (Reversal)0.0809.90.0
+ Unrealised FX (Gain) / Loss342.10.00.0
+ Other Non-cash Items-0.2-99.81,018.7
+ Other — Cash Effects are Investing / Financing0.00.0-41.0
Changes in Working Capital
+ Trade Receivables-3,882.6-3,995.1704.6
+ Other Current Assets-322.4-207.8-67.3
+ Trade Payables3,762.54,093.188.3
+ Other Current Liabilities411.14.8379.7
Total Working Capital Changes-31.5-105.01,105.3
Cash from Operating Activities
Profit Before Tax (per I/S)659.427.7-1,506.6-1,233.2
+ Total Adjustments (incl. Working Capital)395.4737.12,290.4
Cash from Operations (pre-tax)1,054.8764.7783.8
+ Income Taxes Paid63.6-110.83.1
Cash from Operating — before Extraordinary Items991.2875.6780.7
Cash from Operating Activities991.2875.6780.7
Cash from Investing Activities
+ Acq of Fixed Assets (Capex)620.0778.2149.5
+ Disp of Fixed Assets0.21.37.1
+ Other Inflows / (Outflows) — Investing0.00.0-3,166.3
Cash from Investing — before Extraordinary Items-619.8-776.9-3,308.6
Cash from Investing Activities-619.8-776.9-3,308.6
Cash from Financing Activities
+ Proceeds from Issue of Shares513.6
+ Proceeds from Issue of Shares (unclassified)513.65.8937.8
+ Proceeds from Borrowings0.01,460.733,534.4
+ Repayment of Borrowings354.41,101.033,059.8
+ Dividends Paid0.055.00.0
+ Other Inflows / (Outflows) — Financing-19.50.00.0
Cash from Financing — before Extraordinary Items139.7310.51,412.5
Cash from Financing Activities139.7310.51,412.5
Net Changes in Cash (pre-FX)511.1409.2-1,115.4
Net Changes in Cash511.1409.2-1,115.4
Closing Cash3,027.5
Reference Items
EBITDA259.0-572.2-1,937.6-1,645.2
EBITDA Margin %-43.37
Free Cash Flow (CFO − Capex)371.297.4631.2631.2
Free Cash Flow per Basic Share2.090.553.553.55
Price to Free Cash Flow4.14
Cash Flow to Net Income1.9936.94-0.68
Cash Paid for Taxes63.6-110.83.1
As filed, sign as filed: a payment tagged as a positive magnitude in the filing stays positive here, so read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown — depth follows the filer, so a thin statement means a thin filing. Total Adjustments is the filer's own grand total of the reconciliation and spans BOTH the non-cash items and the working-capital block; Profit Before Tax plus it equals Cash from Operations (pre-tax). It can be reported when its components are not, so it is never a sum of the rows above it. No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · ConsolidatedFA 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 agreementXBRL cross-verified ✓ 95%.