Welcome to Multibagg AI
Log in to access personalized features
Discovery themes featuring this stockGet instant AI-powered insights about company performance, financials, and strategy. Ask questions about trends, competition, and developments while receiving responses backed by official documents and market data, with clear attribution to source documents.
Portfolio
Alerts
Ask Iris
Discovery
Timeline
Multibagg AI is an AI powered stock research and analysis platform. We provide data, information, content, and analytics for publicly traded Indian companies listed on NSE and BSE. AI can make mistakes, check important information.
Prices might be delayed by a few minutes.
Join our Exclusive Community
Join our Exclusive Community
Made with 💙 in India. © Finsky Technologies Pvt Ltd. 2026
Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.
Discovery themes featuring this stockUtkarsh Small Finance Bank Ltd (UTKARSHBNK) is currently trading at 14.50 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 ₹22.02. 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 2,571.41. 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 -2.23 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 2,571.41 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 -2.23. 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 IPO price band was set at ₹23 to ₹25 per share, with a face value of ₹10 per share.
The bank approved issuance of unsecured, subordinated, redeemable Tier II bonds in the form of NCDs up to ₹500 crore, via private placement, in FY2026-27 in one or more tranches.
The bank approved issuance of unsecured, subordinated, redeemable Tier II NCDs aggregating up to ₹500 crore on a private placement basis, in one or more tranches during FY 2026-27.
It reported a consolidated loss of ₹188.01 crore for Q4 FY26 (quarter ended March 31, 2026), announced on May 8, 2026.
Bearish
4
Neutral
6
Bullish
4
Bearish
21
Neutral
6
Bullish
19
Bearish
17
Neutral
0
Bullish
15
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
2,571 Cr
High Risk
-2.2
12.8
—
0.9
22.02
10.15
Sales CAGR
Profit CAGR
ROE
ROCE
Regulatory/Compliance Filing
Utkarsh Small Finance Bank Ltd issues call option to redeem 1,950 Lower Tier II NCDs (ISIN INE735W08038) on August 13, 2026. Record date is July 29, 2026; tentative redemption amount ~₹198.21 crore (principal + interest).
Regulatory/Compliance Filing
Utkarsh Small Finance Bank Ltd will redeem 1,950 Lower Tier II NCDs (ISIN INE735W08038) aggregating ₹195 crore on August 13, 2026. Record date for redemption: July 29, 2026; redemption payable to debenture holders.
Board Meeting
Utkarsh Small Finance Bank approved exercise of call option to redeem 1,950 listed Lower Tier II NCDs aggregating ₹195 crore on Aug 13, 2026 and fixed the record date for the call as July 29, 2026.
Regulatory/Compliance Filing
Utkarsh Small Finance Bank approved exercise of call option to redeem 1,950 Lower Tier II NCDs (₹195 crore) on 2026-08-13 and fixed the record date for the call option as 2026-07-29.
Board Meeting
Utkarsh Small Finance Bank approved a supplementary debenture trust deed and the exercise of a call option to redeem 1,950 Lower Tier II bonds aggregating ₹195 crore on 2026-08-13; record date fixed as 2026-07-29.
Board Meeting
Utkarsh Small Finance Bank's Board Committee approved execution of a supplementary debenture trust deed and the exercise of a call option on 2026-08-13 to redeem 1,950 Lower Tier II bonds up to ₹195 crore; record date fixed as 2026-07-29.
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
78.77 | 9,040 Cr | 87.69 | 1.48 | 0.00 | 1.68 | 5.83 | 0.18 | ||
545.35 | 5,834 Cr | 15.36 | 1.32 | 0.00 | 8.49 | 6.78 | 0.79 | ||
14.50 | 2,571 Cr | -2.23 | 0.93 | 0.00 | -41.47 | 1.37 | -4.16 | ||
194.90 | 1,925 Cr | 12.67 | 0.93 | 0.83 | 7.31 | 6.34 | 0.89 | ||
35.62 | 1,835 Cr | -11.03 | 1.03 | 0.00 | -9.31 | 5.21 | -0.60 | ||
167.50 | 1,428 Cr | 27.21 | 1.85 | 0.00 | 6.52 | 3.42 | 1.10 | ||
303.00 | 1,369 Cr | 9.68 | 0.94 | 1.66 | 9.68 | 6.39 | 1.23 | ||
| Median: 7 Co. | — | 167.50 | 1,925 Cr | 12.67 | 1.03 | 0.00 | 6.52 | 5.83 | 0.79 |
