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Discovery themes featuring this stock
Utkarsh Small Finance Bank Limited is a scheduled commercial bank headquartered in Varanasi, focused on providing microfinance and diversified financial products across India. It serves both urban and rural segments through an expanding network of 1,105 branches.
Despite a challenging operational environment, the bank’s strategic focus on transitioning from JLG loans to more secured lending has increased its secured loan proportion from 41% to 50% of its portfolio.
The bank’s deposits increased by 5% YoY with a notable rise in retail term deposits by 24%, indicating a strategic shift towards a more stable, deposit-based funding structure.
Utkarsh SFB is focusing on improving asset quality and reducing credit costs, earmarking a strategic transformation towards higher-yield secured assets and strengthening its collection processes.
A focused approach on operational discipline and technology-driven efficiency has empowered Utkarsh SFB to enhance its risk management protocols, thereby preparing for resilient future growth.
Banks
Other Bank
2,326 Cr
Moderate Risk
-2.1
13.1
—
0.7
23.73
10.15
Sales CAGR
Profit CAGR
ROE
ROCE
Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
54.86 | 6,767 Cr | -93.05 | 1.15 | 1.68 | -1.15 | 5.89 | 0.30 | ||
390.00 | 4,114 Cr | 13.29 | 0.96 | 0.00 | 7.19 | 7.02 | 1.49 | ||
11.98 | 2,326 Cr | -2.09 | 0.71 | 0.00 | -40.10 | 2.36 | 0.09 | ||
131.60 | 1,435 Cr | 20.43 | 0.72 | 0.00 | 3.44 | 6.56 | 0.84 | ||
23.55 | 1,200 Cr | -3.26 | 0.69 | 0.00 | -21.28 | 4.87 | -1.94 | ||
244.65 | 1,184 Cr | 8.22 | 0.85 | 1.53 | 9.74 | 6.50 | 1.35 | ||
124.35 | 1,109 Cr | 14.95 | 1.47 | 0.00 | 8.82 | 4.73 | 2.43 | ||
| Median: 7 Co. | — | 124.35 | 1,435 Cr | 8.22 | 0.85 | 0.00 | 3.44 | 5.89 | 0.84 |
Utkarsh Small Finance Bank Ltd (UTKARSHBNK) is currently trading at 13.58 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Utkarsh Small Finance Bank Limited is a scheduled commercial bank headquartered in Varanasi, focused on providing microfinance and diversified financial products across India. It serves both urban and rural segments through an expanding network of 1,105 branches. Despite a challenging operational environment, the bank’s strategic focus on transitioning from JLG loans to more secured lending has increased its secured loan proportion from 41% to 50% of its portfolio. The bank’s deposits increased by 5% YoY with a notable rise in retail term deposits by 24%, indicating a strategic shift towards a more stable, deposit-based funding structure. Utkarsh SFB is focusing on improving asset quality and reducing credit costs, earmarking a strategic transformation towards higher-yield secured assets and strengthening its collection processes. A focused approach on operational discipline and technology-driven efficiency has empowered Utkarsh SFB to enhance its risk management protocols, thereby preparing for resilient future growth.
Over the past 52 weeks, Utkarsh Small Finance Bank Ltd has traded between a low of ₹10.15 and a high of ₹23.73. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Utkarsh Small Finance Bank Ltd has a market capitalization of approximately 2,325.84. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Utkarsh Small Finance Bank Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of -2.09 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 2,325.84 Cr, Utkarsh Small Finance Bank Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Utkarsh Small Finance Bank Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Utkarsh Small Finance Bank Ltd is -2.09. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
The primary goal is to simplify the corporate structure by merging the promoter entity, Utkarsh CoreInvest Limited, into Utkarsh Small Finance Bank. This creates a more direct ownership model and is expected to improve governance and operational efficiency.
The primary purpose is to simplify the corporate group structure and comply with RBI regulations that require the promoter (Utkarsh CoreInvest) to dilute its shareholding in the bank.
Utkarsh Small Finance Bank has approved the sale of non-performing and written-off loans with a total principal outstanding of approximately ₹1,491 crore, split into two pools.
The comprehensive support for the MSME sector, including the Rs. 10,000 crore SME Growth Fund and enhancements to the TReDS platform, is the biggest positive as it directly supports the bank's strategic focus on growing its secured MSME loan book.
Bearish
8
Neutral
1
Bullish
5
Bearish
16
Neutral
1
Bullish
29
Bearish
8
Neutral
0
Bullish
24
Amalgamation petition
Utkarsh Small Finance Bank and Utkarsh CoreInvest filed a joint second motion petition with the NCLT on 05-Apr-2026 seeking sanction of their Scheme of Amalgamation after requisite shareholder and unsecured creditor approvals.
Provisional Business Update
Utkarsh SFB provisional Q4/FY26 update: Q4 disbursements ₹4,207 Cr (+30.1% YoY), gross loan portfolio ₹19,333 Cr (-1.7% YoY), total deposits ₹21,654 Cr (+0.4% YoY), CASA 24.0%, LCR 177%.
Provisional business update
Utkarsh Small Finance Bank released provisional Q4/FY26 business updates: Q4 disbursements ₹4,207cr (+30.1% YoY), gross loan book ₹19,333cr (-1.7% YoY, +5.6% QoQ), deposits ₹21,654cr (+0.4% YoY), CASA 24.0%, LCR 177% (unaudited).
Business Update
Provisional business update for Q4/FY26: Q4 disbursements ₹4,207cr (+30% YoY), gross loan portfolio ₹19,333cr (-1.7% YoY), total deposits ₹21,654cr, CASA 24.0%, LCR 177%, SMA pool 1.3%.
Business Update
Utkarsh Small Finance Bank provisional business update for Q4 FY26: total disbursements ₹4,207cr (+30.1% YoY), Gross Loan Portfolio ₹19,333cr (-1.7% YoY), deposits ₹21,654cr (+0.4% YoY), CASA 24.0%, LCR 177%.
