Utkarsh Small Finance Bank profitability ratios

Profitability Growth Asset quality Capital Dividend yield

Per cent unless marked ×

Tap a line for its trend	Last 12Mto Jun 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024

Returns
	−40.0%	−40.0%	0.8%	16.7%
	−4.0%	−4.0%	0.1%	2.1%
Margins & efficiency
	5.2%	5.2%	7.8%	7.9%
	97.1%	97.1%	61.6%	56.4%
	8.5%	8.5%	5.6%	2.1%
	6.5%	6.5%	6.2%	5.4%
	11.3%	11.3%	13.7%	11.2%
	83.5%	83.5%	86.8%	93.7%
Additional
	23.3%	23.6%	14.3%	24.5%
	—	0.0%	232.2%	0.0%

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

alphave

UTKARSHBNK₹11.90

Utkarsh Small Finance Bank Limited

· Banking & Finance

₹ CrorePeersSURYODAY CAPITALSFB FINOPBMcap ₹2,118 Cr

Profitability Growth Asset Quality Capital Yield Analysis

Ratios — % unless marked × 12 Months Ending	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/06/2026
Returns
Return on Common Equity	16.74	0.80	-40.03	-40.03
Return on Assets	2.08	0.09	-4.04	-4.04
Margins & Efficiency
Net Interest Margin (on assets)	7.89	7.78	5.18	5.18
Cost to Income	56.38	61.61	97.05	97.05
Credit Cost (provisions / avg advances)	2.06	5.58	8.50	8.50
Operating Expenses / Avg Assets	5.39	6.21	6.50	6.50
Other Income Share of Total Income	11.19	13.74	11.31	11.31
Credit-Deposit Ratio	93.66	86.79	83.45	83.45
Additional
Effective Tax Rate	24.53	14.29	23.60	23.33
Dvd Payout Ratio	0.00	232.15	-0.00	—

No consensus estimates → no Est columns. Click any row to chart it.

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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%.