UTKARSH SMALL FIN BANK L (UTKARSHBNK) financials

UTKARSH SMALL FIN BANK L (UTKARSHBNK) NSE/BSE financials on Fincrux: quarterly results, profit and loss, cash flow, balance sheet, ratios, and shareholding.

Incorporated in 2016, Utkarsh Small Finance Bank is engaged in providing banking and financial services.[1]

Market Cap: ₹2,233Cr.
Current Price: ₹12.6
ROE: -40.0%
ROCE: 1.46%
Book Value: ₹15.6
Dividend Yield: 0.00%
52W High / Low: ₹22.0/10.1

In Jun 2026, UTKARSH SMALL FIN BANK L (UTKARSHBNK) reported sales ₹884 Cr and net profit ₹-34 Cr.

Annual TTM: sales ₹3,381 Cr, net profit ₹-945 Cr.

Shareholding: Promoters 42.67% (Sep 2026), FIIs 10.44% (Sep 2026), DIIs 9.15% (Sep 2026), Government 0.02% (Sep 2026), Public 37.72% (Sep 2026).

UTKARSHBNK quarterly results (₹ Cr.)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	987	932	880	881	840	821	837	884
Interest	429	452	468	479	490	473	461	461
Expenses	593	824	687	858	913	920	724	586
Financing Profit	-35	-343	-276	-457	-562	-571	-347	-164
Financing Margin %	-4%	-37%	-31%	-52%	-67%	-70%	-42%	-19%
Other Income	103	105	287	138	97	81	115	119
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	68	-238	11	-319	-465	-491	-232	-45
Tax %	24%	-29%	74%	-25%	-25%	-24%	-19%	-25%
Net Profit	51	-168	3	-239	-348	-375	-188	-34
EPS in Rs	0.29	-0.94	0.02	-1.35	-1.96	-2.11	-1.06	-0.19
Gross NPA %	3.88%	6.17%	9.43%	11.42%	12.42%	11.05%	7.71%	6.09%
Net NPA %	0.89%	2.50%	4.84%	5.00%	5.02%	4.48%	3.29%	2.86%
Raw PDF	—	—	—	—	—	—	—	—

UTKARSHBNK profit and loss (₹ Cr.)
Category	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	1,308	1,581	1,849	2,505	3,178	3,765	3,379	3,381
Interest	579	742	788	976	1,293	1,742	1,902	1,884
Expenses	551	783	1,125	1,234	1,561	2,518	3,337	3,142
Financing Profit	177	56	-64	295	324	-496	-1,860	-1,645
Financing Margin %	14%	4%	-3%	12%	10%	-13%	-55%	-49%
Other Income	99	125	185	299	400	600	431	412
Depreciation	25	30	41	59	65	77	77	0
Profit before tax	250	151	80	536	659	28	-1,507	-1,233
Tax %	25%	26%	23%	25%	25%	14%	-24%	—
Net Profit	187	112	61	404	498	24	-1,151	-945
EPS in Rs	1.52	0.82	0.42	2.80	2.80	0.13	-6.47	-5.32
Dividend Payout %	0%	0%	0%	0%	11%	0%	0%	—

UTKARSHBNK balance sheet (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	737	759	848	896	896	1,099	1,102	1,780
Reserves	36	260	520	677	1,104	1,874	1,873	996
Deposits	3,941	5,235	7,508	10,074	13,710	17,473	21,566	21,654
Borrowing	1,280	2,675	2,608	2,572	2,349	1,995	2,355	2,829
Other Liabilities	245	475	654	845	1,057	1,462	1,232	1,610
Total Liabilities	6,239	9,404	12,138	15,064	19,117	23,903	28,127	28,869
Fixed Assets	87	110	125	286	301	301	324	333
CWIP	3	22	56	1	2	10	63	125
Investments	862	1,192	2,314	2,348	2,859	3,679	4,958	6,914
Other Assets	5,287	8,081	9,643	12,429	15,955	19,912	22,783	21,497
Total Assets	6,239	9,404	12,138	15,064	19,117	23,903	28,127	28,869

UTKARSHBNK cash flows (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	211	115	-83	1,329	1,573	991	876	781
Cash from Investing Activity	-171	-322	-532	-739	-693	-620	-777	-3,309
Cash from Financing Activity	-92	1,304	172	111	-235	140	310	1,412
Net Cash Flow	-52	1,097	-444	702	645	511	409	-1,115
Free Cash Flow	194	70	-163	1,183	1,498	921	718	638

UTKARSHBNK shareholding pattern (%)
Category	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters	68.93%	68.92%	68.92%	68.92%	42.67%	42.67%	42.67%	42.67%
FIIs	1.33%	1.00%	1.85%	1.68%	11.80%	11.49%	11.90%	10.44%
DIIs	8.23%	7.04%	2.78%	2.39%	9.74%	9.56%	9.54%	9.15%
Government	0.01%	0.01%	0.01%	0.01%	0.03%	0.02%	0.02%	0.02%
Public	21.50%	23.04%	26.43%	27.00%	35.76%	36.27%	35.88%	37.72%
No. of Shareholders	2,40,592	2,43,613	2,48,311	2,49,372	2,76,742	2,82,993	2,79,233	2,76,844

UTKARSHBNK key ratios
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	16%	21%	9%	4%	23%	20%	1%	-40%

UTKARSHBNKUpdated 22 Oct 2026, 4:06

Utkarsh Small Fin Bank L

UTKARSHBNKUpdated 22 Oct 2026, 4:06

Market Cap

₹2,233Cr.

Current Price

₹12.6

High / Low

₹22.0/10.1

ROE-40.0%

ROCE1.46%

Book Value₹15.6

Face Value₹10.0

Dividend Yield0.00%

About

Incorporated in 2016, Utkarsh Small Finance Bank is engaged in providing banking and financial services.[1]

Quarterly results

Last reported quarters₹ Cr.

Quarter	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Profit Before Tax	Tax	Net Profit	EPS (₹)	Gross NPA	Net NPA
Jun 2023	720	298	369	53	7	92	145	26	108	0.74	3.13	0.33
Sep 2023	756	315	392	49	7	105	154	26	114	0.65	2.81	0.16
Dec 2023	806	324	413	69	9	83	152	24	116	0.65	3.04	0.19
Mar 2024	896	356	452	88	10	121	208	23	160	0.9	2.51	0.03
Jun 2024	966	393	492	82	8	105	186	26	137	0.77	2.78	0.26
Sep 2024	987	429	593	-35	-4	103	68	24	51	0.29	3.88	0.89
Dec 2024	932	452	824	-343	-37	105	-238	-29	-168	-0.94	6.17	2.5
Mar 2025	880	468	687	-276	-31	287	11	74	3	0.02	9.43	4.84
Jun 2025	881	479	858	-457	-52	138	-319	-25	-239	-1.35	11.42	5
Sep 2025	840	490	913	-562	-67	97	-465	-25	-348	-1.96	12.42	5.02
Dec 2025	821	473	920	-571	-70	81	-491	-24	-375	-2.11	11.05	4.48
Mar 2026	837	461	724	-347	-42	115	-232	-19	-188	-1.06	7.71	3.29
Jun 2026	884	461	586	-164	-19	119	-45	-25	-34	-0.19	6.09	2.86

Profit & loss

Annual statement₹ Cr.

Year	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)
Mar 2018	519	251	374	-106	-20	43	0	-63	0	-63	-0.83
Mar 2019	881	382	392	107	12	58	16	149	37	94	0.79
Mar 2020	1308	579	551	177	14	99	25	250	25	187	1.52
Mar 2021	1581	742	783	56	4	125	30	151	26	112	0.82
Mar 2022	1849	788	1125	-64	-3	185	41	80	23	61	0.42
Mar 2023	2505	976	1234	295	12	299	59	536	25	404	2.8
Mar 2024	3178	1293	1561	324	10	400	65	659	25	498	2.8
Mar 2025	3765	1742	2518	-496	-13	600	77	28	14	24	0.13
Mar 2026	3379	1902	3337	-1860	-55	431	77	-1507	-24	-1151	-6.47
TTM	3381	1884	3142	-1645	-49	412	0	-1233	—	-945	-5.32

Shareholding pattern

As of Sep 2026%

Holder	Share
Promoters	42.67%
FIIs	10.44%
DIIs	9.15%
Government	0.02%
Public	37.72%

Shareholding trend

Ownership over time%

Quarter	Promoters	FIIs	DIIs	Government	Public
Dec 2023	69.16%	0.74%	11.3%	0%	18.8%
Mar 2024	69.06%	0.87%	9.82%	0%	20.25%
Jun 2024	69.02%	0.94%	10.6%	0.01%	19.43%
Sep 2024	68.94%	0.99%	10.01%	0.01%	20.04%
Dec 2024	68.93%	1.33%	8.23%	0.01%	21.5%
Mar 2025	68.92%	1%	7.04%	0.01%	23.04%
Jun 2025	68.92%	1.85%	2.78%	0.01%	26.43%
Sep 2025	68.92%	1.68%	2.39%	0.01%	27%
Dec 2025	42.67%	11.8%	9.74%	0.03%	35.76%
Mar 2026	42.67%	11.49%	9.56%	0.02%	36.27%
Jun 2026	42.67%	11.9%	9.54%	0.02%	35.88%
Sep 2026	42.67%	10.44%	9.15%	0.02%	37.72%

Balance sheet

Assets & liabilities₹ Cr.

Period	Equity Capital	Reserves	Other Liabilities	Total Liabilities	Fixed Assets	CWIP	Investments	Other Assets	Total Assets
Mar 2018	470	-58	129	4524	87	0	661	3775	4524
Mar 2019	737	36	245	6239	87	3	862	5287	6239
Mar 2020	759	260	475	9404	110	22	1192	8081	9404
Mar 2021	848	520	654	12138	125	56	2314	9643	12138
Mar 2022	896	677	845	15064	286	1	2348	12429	15064
Mar 2023	896	1104	1057	19117	301	2	2859	15955	19117
Mar 2024	1099	1874	1462	23903	301	10	3679	19912	23903
Mar 2025	1102	1873	1232	28127	324	63	4958	22783	28127
Mar 2026	1780	996	1610	28869	333	125	6914	21497	28869

Cash flows

Operating, investing & financing₹ Cr.

Period	Operating	Investing	Financing	Net cash flow
Mar 2018	—	—	—	—
Mar 2019	211	-171	-92	-52
Mar 2020	115	-322	1304	1097
Mar 2021	-83	-532	172	-444
Mar 2022	1329	-739	111	702
Mar 2023	1573	-693	-235	645
Mar 2024	991	-620	140	511
Mar 2025	876	-777	310	409
Mar 2026	781	-3309	1412	-1115

Key ratios

Historical financial ratios

Category	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	-15%	16%	21%	9%	4%	23%	20%	1%	-40%

Frequently asked questions

Quick answers about this company's financials on Fincrux

What is the market cap of UTKARSH SMALL FIN BANK L (UTKARSHBNK)?

The reported market capitalisation for UTKARSH SMALL FIN BANK L (UTKARSHBNK) is ₹2,233Cr. on Fincrux. Figures may update with market data and filings.

What is the current share price of UTKARSHBNK?

The current price shown for UTKARSH SMALL FIN BANK L (UTKARSHBNK) on Fincrux is ₹12.6 with a 52-week high/low of ₹22.0/10.1.

What were UTKARSHBNK latest quarterly results?

For Jun 2026, UTKARSH SMALL FIN BANK L (UTKARSHBNK) reported sales ₹884 Cr and net profit ₹-34 Cr (figures in ₹ crore unless noted).

What are UTKARSHBNK annual sales and net profit?

For TTM, UTKARSH SMALL FIN BANK L (UTKARSHBNK) shows sales of ₹3,381 Cr and net profit of ₹-945 Cr on the Fincrux profit & loss statement.

Who owns UTKARSH SMALL FIN BANK L (UTKARSHBNK)?

Latest shareholding for UTKARSH SMALL FIN BANK L (UTKARSHBNK) on Fincrux: Promoters 42.67% (Sep 2026), FIIs 10.44% (Sep 2026), DIIs 9.15% (Sep 2026), Government 0.02% (Sep 2026), Public 37.72% (Sep 2026).

Where can I find UTKARSH SMALL FIN BANK L (UTKARSHBNK) financials?

UTKARSH SMALL FIN BANK L (UTKARSHBNK) financials on Fincrux include quarterly results, profit and loss, cash flow, balance sheet, key ratios, and shareholding patterns for NSE/BSE research.

Does Fincrux show UTKARSHBNK balance sheet and cash flow?

Yes. The UTKARSH SMALL FIN BANK L (UTKARSHBNK) page on Fincrux includes balance sheet, cash flow statements, historical ratios, and ownership trends alongside quarterly and annual results.

Figures in ₹ crore unless noted. Data sourced for research and may lag filings.

Last updated 22 October 2026 at 4:06