Utkarsh Small Finance Bank Limited
Utkarsh Small Finance Bank Limited (UTKARSHBNK) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.
Financial Services›Financial Services›Banks›Other Bank
utkarsh.bank.in(opens the company website in a new tab)Key metrics
Price as of 2026-09-04
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 |
|---|---|---|---|---|
| Net Interest Income | 411 Cr | 402 Cr | 350 Cr | 348 Cr |
| Other income | 287 Cr | 138 Cr | 97 Cr | 81 Cr |
| Net operating income | 699 Cr | 540 Cr | 448 Cr | 429 Cr |
| Employee cost | 204 Cr | 228 Cr | 236 Cr | 246 Cr |
| Other expenses | 260 Cr | 220 Cr | 215 Cr | 227 Cr |
| Provisions & contingencies | 223 Cr | 411 Cr | 462 Cr | 446 Cr |
| Depreciation | — | — | — | — |
| Profit before tax | 11 Cr | -319 Cr | -465 Cr | -491 Cr |
| Tax % | 73.7% | 24.9% | 25.1% | 23.6% |
| Net profit | 3 Cr | -239 Cr | -348 Cr | -375 Cr |
| EPS (₹) | ₹0.03 | ₹-2.17 | ₹-3.16 | ₹-2.46 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2025 | TTM |
|---|---|---|
| Net Interest Income | 2,023 Cr | Sign in for TTM |
| Other income | 600 Cr | Sign in for TTM |
| Net operating income | 2,623 Cr | Sign in for TTM |
| Employee cost | 846 Cr | Sign in for TTM |
| Other expenses | 770 Cr | Sign in for TTM |
| Provisions & contingencies | 979 Cr | Sign in for TTM |
| Depreciation | — | Sign in for TTM |
| Profit before tax | 28 Cr | Sign in for TTM |
| Tax % | 14.3% | Sign in for TTM |
| Net profit | 24 Cr | Sign in for TTM |
| EPS (₹) | ₹0.22 | Sign in for TTM |
| Dividend payout % | 232.2% | Sign in for TTM |
Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2025 |
|---|---|
| Equity capital | 1,102 Cr |
| Reserves | 1,873 Cr |
| Borrowings | 2,355 Cr |
| Other liabilities | 22,798 Cr |
| Total liabilities | 28,127 Cr |
| Fixed assets (net) | 387 Cr |
| CWIP | — |
| Investments | 4,958 Cr |
| Loans & advances | 18,716 Cr |
| Cash & bank | 2,638 Cr |
| Other assets | 1,428 Cr |
| Total assets | 28,127 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2025 |
|---|---|
| Cash from operating activity | 876 Cr |
| Cash from investing | -777 Cr |
| Cash from financing | 310 Cr |
| Net cash flow | 409 Cr |
| Free cash flow (OCF − Capex) | 97 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2025 |
|---|---|
| ROCE % | 6.6% |
| ROE % | 0.8% |
| Debtor days | — |
| Inventory days | — |
| Days payable | — |
| Cash conversion cycle | — |
| Debt / equity | 0.79 |
| Current ratio | — |
| Net debt / EBITDA | — |
Regulatory ratios (standalone basis)
RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.
| Metric | Mar 2025 |
|---|---|
| Gross NPA | 1,854 Cr |
| Gross NPA % | 9.4% |
| Net NPA | 905 Cr |
| Net NPA % | 4.8% |
| CET1 % | 20.9% |
| Additional Tier 1 % | 0.0% |
| Capital adequacy % | — |
| NIM % | — |
| ROA % | 0.1% |
Compare with peers
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