11.98
+2.13%
Close of 9 Nov 2026, in INR
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About Utkarsh Small Finance Bank
Its shares trade on NSE under the ticker UTKARSHBNK.NS. It has been listed since 21 July 2023. In the fiscal year to 31 March 2026, it reported a net loss of ₹11.51bn. At that date it held total assets of ₹288.69bn and shareholders' equity of ₹27.76bn.
Utkarsh Small Finance Bank Ltd is a IN-based company operating in Banks industry. The company is headquartered in Varanasi, Uttar Pradesh. The company went IPO on 2023-07-21. Utkarsh Small Finance Bank Limited (the Bank) is an India-based small finance bank. The Bank is engaged in providing banking and financial services. The Bank’s product portfolio includes asset products that it advances to customers located primarily in unbanked and underbanked areas and liability products in the form of deposits that it sources from customers across regions. Its segments include Corporate/ Wholesale Banking, Retail Banking, Treasury and Other Banking Operations. Its Corporate/ Wholesale Banking segment includes lending, deposits and other banking services provided to corporate customers of the Bank. Its Retail Banking segment includes lending, deposits and other banking services provided to retail customers of the Bank through a branch network. Its Treasury segment includes dealings in statutory liquidity ratio (SLR) and non-SLR investments, maintenance of reserve requirements and resource mobilization from other banks and financial institutions.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 21 Jul 2023
- Employees
- 15,424
- Website
- utkarsh.bank ↗
Leadership
Pay as last reported
- Mr. Kshatrapati ShivajiPart Time Independent Chairman of the Board
- Mr. Pramod DubeyPresident, Chief Business Officer, Whole Time Director, since 2024
- Mr. Govind SinghChief Executive Officer, Managing Director, Executive Director₹25.4m
- Mr. Sarjukumar SimariaChief Financial Officer
- Mr. Hitain SharmaChief Human Resources Officer
- Mr. Abhijeet BhattacharjeeChief Information Officer
- Mr. Muthiah GanapathyCompliance Officer, Company Secretary
- Mr. Amit AcharyaChief Risk Officer, since 2024
- Ms. Suchita ChatterjeeInterim Head - Internal Audit
- Mr. Rahul DeyHead - Operations, since 2024
- Mr. R. MurugesanChief - Internal Vigilance
- Mr. G Vijaya RaghavaHead - Treasury
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- 15,424 employees support operations across unbanked and underbanked areas.
- Corporate/Wholesale Banking serves corporate customers with tailored lending and deposits.
- Retail Banking leverages branch network for retail customer services in diverse regions.
Weaknesses
- Listed on 21 July 2023, recent IPO may limit market presence.
- Headquartered in Varanasi, Uttar Pradesh, potentially limiting national reach.
- Employees at 15,424 may strain resources for rapid expansion.
Opportunities
- Expanding asset products in unbanked areas offers growth potential.
- Treasury segment can optimize SLR and non-SLR investments for higher returns.
- Retail Banking can grow through branch network expansion in underbanked regions.
Threats
- Corporate/Wholesale Banking faces competition from established banks.
- Retail Banking segments may encounter regulatory challenges in new markets.
- Treasury operations could be affected by changing reserve requirement policies.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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