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Utkarsh Small Finance Bank UTKARSHBNK.NS · INR

Financials · NSE · 🇮🇳 India

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11.98

+2.13%

Close of 9 Nov 2026, in INR

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Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.

At a glance

Figures in INR, from our data supplier.

FY2026

Net income

−₹11.51bn

FY2017FY2026

Total assets

₹288.69bn

FY2017FY2026

Shareholders' equity

₹27.76bn

FY2017FY2026

Income statement

Fiscal years

FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Operating income−₹15.07bn₹276.5m₹6.59bn₹5.36bn₹797.2m₹1.51bn₹2.50bn₹1.55bn−₹24.0m₹730.3m
Net income−₹11.51bn₹237.0m₹4.98bn₹4.05bn₹614.6m₹1.12bn₹1.87bn₹938.9m−₹630.2m₹290.1m
Diluted earnings per share-6.470.134.533.940.561.272.491.24-0.860.69

Balance sheet

At each fiscal year end

FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Total assets₹288.69bn₹281.27bn₹239.03bn₹191.17bn₹150.64bn₹121.38bn₹94.04bn₹62.39bn₹45.24bn₹26.75bn
Cash and short-term investments₹16.92bn₹34.37bn₹30.27bn₹25.16bn₹18.72bn₹11.70bn₹14.64bn———
Total liabilities₹260.93bn₹251.53bn₹209.29bn₹171.17bn₹134.91bn₹107.70bn₹83.85bn₹54.66bn₹41.12bn₹23.70bn
Debt₹28.29bn₹23.55bn₹61.96bn₹61.03bn₹54.33bn₹48.40bn₹26.58bn₹14.12bn₹17.89bn₹22.89bn
Shareholders' equity₹27.76bn₹29.75bn₹29.73bn₹20.00bn₹15.72bn₹13.68bn₹10.19bn₹7.73bn₹4.12bn₹3.05bn
Shares outstanding1,780m1,780m1,098m1,027m1,096m880m751m758m734m421m

Latest quarters

By quarter end

Jun 2026Mar 2026Dec 2025Sept 2025Jun 2025Mar 2025Dec 2024Sept 2024
Operating income−₹454.1m−₹2.32bn−₹4.91bn−₹4.65bn−₹3.19bn₹112.8m−₹2.38bn₹680.7m
Net income−₹339.2m−₹1.88bn−₹3.75bn−₹3.48bn−₹2.39bn₹29.7m−₹1.68bn₹513.9m
Diluted earnings per share-0.19-1.06-2.11-1.96-1.350.02-1.530.47
Total assets₹284.18bn₹288.69bn—₹273.84bn₹277.94bn₹281.27bn—₹263.06bn
Cash and short-term investments₹20.75bn₹16.92bn—₹38.33bn—₹34.37bn—₹32.45bn
Debt—————₹9.70bn——
Shareholders' equity₹27.45bn₹27.76bn—₹23.94bn₹29.75bn₹29.75bn₹31.25bn₹31.25bn

Financial ratios

Data as of 24 Sept 2026

FY2026FY2025FY2024FY2023FY2022FY2021
Operating margin-39.5%0.6%18.4%19.1%3.9%8.9%
Net margin-30.2%0.5%13.9%14.4%3.0%6.6%
Return on equity-41.5%0.8%16.7%20.2%3.9%8.2%
Return on assets-4.0%0.1%2.1%2.1%0.4%0.9%
Revenue growth-12.7%22.0%27.6%37.9%19.2%134.7%
Earnings growth-4956.3%-95.2%23.0%558.1%-45.0%-40.1%
Current ratio0.96x0.17x0.63x6.48x0.19x4.32x
Debt to equity0.64x0.33x0.40x0.48x0.71x0.65x
Equity ratio9.6%10.6%12.4%10.5%10.4%11.3%
Interest coverage-0.79x0.02x0.51x0.55x0.10x0.20x
Buybacks as a share of market value0.0%-62.0%-6.9%6.3%-24.6%-17.2%

Growth per year

Compound annual rate

3 years5 years10 years
Revenue10.8%17.4%—

Valuation history

At each fiscal year end

FY2026FY2025FY2024FY2023
Price to earnings-1.8111.37.513.7
Price to sales0.60.61.02.0

Dividends and splits

Per share, in the currency the company pays

Paid for 0 years. Last went ex-dividend on 12 Jul 2024.

FY2025
Paid in the year0.50

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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