Utkarsh Small Finance Bank Share Price Today (UTKARSHBNK)
TODAY IN ONE LINE
UTKARSHBNK is little changed at ₹14.45 on light volume — a quiet consolidation day.
With a market cap of ₹2,573.19 Cr., it trades at a P/E of -2.23. Track live valuations, technical indicators, and peers comparison below. Check delivery conviction and recent filings to build your view.
How good is this company?
Overall performance across 5 key dimensions.
Utkarsh Small Finance Bank flags & news
Key strengths, potential risks, and recent updates.
Green Flags
- ●Strong Capital AdequacyRobust CET-1 Ratio of 14.98%
- ●Positive Free Cash FlowFCF has been positive for 3 consecutive years
- ●Zero Pledge RiskNo recent active promoter pledging found
Red Flags
- ●Sales ContractionQuarterly sales dropped 4.9% YoY
- ●High NPA RiskGross NPA is alarming at 7.71%
Latest Utkarsh Small Finance Bank News
What changed recently?
Recent events, corporate actions, and announcements.
Utkarsh Small Finance Bank Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Utkarsh Small Finance Bank Ltd, framed against the sector median so the premium or discount is obvious at a glance.
Market-priced ratios use the latest available quote; accounting metrics use the latest reported filing. Compare values with matched peers and the company's own history.
Valuation
Profitability
Growth
Financial Health
Utkarsh Small Finance Bank Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Utkarsh Small Finance Bank Ltd — derived from the live tape, not yesterday's close.
Utkarsh Small Finance Bank Ltd last traded at ₹14.45 with an intraday range of ₹14.15–₹14.53 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹14.45| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 15.36 | +0.91 | +6.32% |
| R3 | 14.98 | +0.53 | +3.69% |
| R2 | 14.76 | +0.31 | +2.12% |
| R1 | 14.60 | +0.15 | +1.06% |
| PIVOT | 14.38 | -0.07 | -0.51% |
| CURRENT | 14.45 | — | — |
| S1 | 14.22 | -0.23 | -1.57% |
| S2 | 14.00 | -0.45 | -3.14% |
| S3 | 13.84 | -0.61 | -4.20% |
| S4 | 13.46 | -0.99 | -6.83% |
UTKARSHBNK is trading Above CPR, indicating Bullishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: ₹14.28–₹14.44
Trading Inside opening range
Utkarsh Small Finance Bank Ltd financials: P&L, balance sheet, cash flow, ratios.
Reported annual and quarterly results for Utkarsh Small Finance Bank Ltd — consolidated or standalone — with margins, YoY growth and key ratios inline.
Utkarsh Small Finance Bank Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹2,573.19 Cr. and reported EPS of ₹-6.47.
Utkarsh Small Finance Bank segment analysis : revenue and profit mix.
Disclosed business segments at Utkarsh Small Finance Bank with their share of revenue and profit, switchable between consolidated and standalone reporting.
Utkarsh Small Finance Bank discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
The Bull, Bear, and Flip case for Utkarsh Small Finance Bank Ltd.
Our AI distills the core fundamental drivers supporting Utkarsh Small Finance Bank Ltd, the risks that threaten it, and the quantitative conditions that could weaken the thesis.
Utkarsh Small Finance Bank Ltd's investment case rests on 10 positive markers and 10 flagged concerns drawn from the latest reported filings.
What you're getting.
Promoter holding stable at 42.67%, demonstrating insider confidence despite recent dilution
Operating cash flow positive ₹2,575.19 Cr (9M FY26), providing liquidity for operations
Total deposits ₹214,470.65 Cr reflect strong customer trust and stable funding base
Net loans ₹168,974.80 Cr indicate active lending portfolio across retail and MSME segments
Diversified product suite spanning retail, wholesale, microfinance, and digital banking channels
Key Risks.
Net profit collapsed to -₹1,150.98 Cr (FY26) from ₹497.63 Cr (FY24), destroying shareholder value
Net margin -60.33% (FY26) indicates severe profitability squeeze and operational distress
Operating margin 1.24% signals minimal earnings before interest and tax generation
ROE -40.00% and ROCE 1.46% are lowest among peers, reflecting poor capital efficiency
TTM revenue declined 48.50% YoY, signaling sharp contraction in core business momentum
Flip Conditions.
Reassess if Net Interest Margin (NIM) contracts for two consecutive quarters.
Watch for asset quality deterioration if Gross NPA trends upward.
Utkarsh Small Finance Bank Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Utkarsh Small Finance Bank Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
| Company Name |
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Utkarsh Small Finance Bank Ltd chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Utkarsh Small Finance Bank Ltd — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
- 1Pick how to scan. Detection sets sensitivity — Daily (standard) → Weekly (big swings). History sets how far back to look.
- 2Read the summary. The tiles at the top give the current read: net bias, the strongest pattern, and the one nearest to triggering.
- 3Scan the list. Use the Actionable, Watchlist, and History tabs to browse patterns. Click a pattern card to focus it.
- 4Inspect on the chart. Focusing draws the pattern’s pivots plus its break (blue), target (amber) and invalidation lines.
- 5Filter to what matters. Use the status controls (Confirmed, Forming, Invalidated) to hide noise and find exactly what you are looking for.
Pattern history — every completed pattern and its outcome
Utkarsh Small Finance Bank Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Utkarsh Small Finance Bank Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Utkarsh Small Finance Bank Ltd stood at 47.4% of traded volume, against a 20-day average of 44.8%.
Utkarsh Small Finance Bank announcements: results, concalls, ratings, M&A.
Filings Utkarsh Small Finance Bank sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Utkarsh Small Finance Bank files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 176 documents below.
Credit Rating
Utkarsh Small Finance Bank Limited has informed the Exchange about Credit Rating
Copy of Newspaper Publication
Utkarsh Small Finance Bank Limited has informed the Exchange about Copy of Newspaper Publication
Shareholders meeting
Utkarsh Small Finance Bank Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on August 04, 2026
Copy of Newspaper Publication
Utkarsh Small Finance Bank Limited has informed the Exchange about Copy of Newspaper Publication
Certificate under SEBI (Depositories and Participants) Regulations, 2018
Utkarsh Small Finance Bank Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
Investor decks & rating reports.
Investor Presentation
Investor Presentation
Analysts/Institutional Investor Meet/Con. Call Updates
Investor Presentation
Investor Presentation
Investor Presentation
Utkarsh Small Finance Bank dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Utkarsh Small Finance Bank has declared, sequenced by announce and record date.
Utkarsh Small Finance Bank corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Utkarsh Small Finance Bank Ltd: business, sector, key facts.
What Utkarsh Small Finance Bank Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Utkarsh Small Finance Bank Ltd operates in the Other Bank industry under the Financial Services sector, listed as NSE: UTKARSHBNK, BSE: 543942.
Utkarsh Small Finance Bank Limited (Utkarsh Bank) is an Indian financial institution offering a comprehensive range of banking and financial services to both individual and business customers. Its services cater to diverse needs, spanning personal finance, business banking, and investment options.
For individual customers, Utkarsh Bank provides a standard suite of banking products including savings accounts, various deposit options (fixed, recurring, and tax-saver fixed deposits), and a selection of debit and credit cards. Beyond traditional banking, they also offer a wide array of loan products, encompassing home loans, loans against property (LAP), personal loans, gold loans, and other specialized loans. Furthermore, they facilitate access to life and general insurance products, investment vehicles, and convenient services such as bill payments, remittance facilities, locker services, and overdraft facilities linked to fixed deposits. Access is provided through a network of branches, ATMs, and digital platforms including internet and mobile banking.
Utkarsh Bank's services for business customers are equally extensive. They offer a variety of accounts designed for different business needs, including current accounts, institutional accounts, and escrow accounts. Their loan portfolio for businesses is broad, covering micro banking groups, micro, small, and medium enterprises (MSMEs), wholesale lending, commercial vehicle financing, construction equipment financing, and other business loans. Similar to individual customers, business clients can also access life, health, and general insurance products, investment options, and convenient banking services such as remittance, bill payment, ATM access, and internet/mobile banking.
In summary, Utkarsh Bank positions itself as a one-stop shop for a wide range of financial needs, catering to both the personal and business sectors. Its diverse product and service offerings, coupled with multiple access channels, aim to provide comprehensive financial solutions to its customer base across India.
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Peers, sector trends, screeners and strategy playbooks contextual to this stock.
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Questions investors ask about Utkarsh Small Finance Bank Ltd (UTKARSHBNK).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Utkarsh Small Finance Bank Ltd (UTKARSHBNK)?
The current share price of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) is ₹14.45. Today, the stock has declined by ₹0.01 (0.07%), trading in a range of ₹14.15 to ₹14.53. The stock opened at ₹14.4 with a trading volume of 38,41,832 shares.
02Is Utkarsh Small Finance Bank Ltd stock a good investment for long-term?
Utkarsh Small Finance Bank Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹2,573.19 crores, P/E ratio of -2.23, ROE of -40.00%, and ROCE of 1.46%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of Utkarsh Small Finance Bank Ltd stock?
The 52-week high price of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) is ₹23.9, while the 52-week low is ₹10.12. Currently trading at ₹14.45, the stock is 31.4% away from its 52-week low and 39.5% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Utkarsh Small Finance Bank Ltd stock at the current price?
Whether to buy Utkarsh Small Finance Bank Ltd stock at ₹14.45 depends on multiple factors. The stock is currently trading with a P/E ratio of -2.23 and P/B ratio of 0.92. Today's performance shows a loss of 0.07%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of Utkarsh Small Finance Bank Ltd and when is the next dividend?
Utkarsh Small Finance Bank Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹14.45, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of Utkarsh Small Finance Bank Ltd?
Utkarsh Small Finance Bank Ltd's key financial metrics include: P/E Ratio: -2.23, P/B Ratio: 0.92, ROE: -40.00%, ROCE: 1.46%, Dividend Yield: 0.00%, EPS: ₹-6.47, Book Value: ₹15.6, and Debt-to-Equity: 8.82. The company's market cap stands at ₹2,573.19 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Utkarsh Small Finance Bank Ltd stock performing today in the market?
Utkarsh Small Finance Bank Ltd stock opened at ₹14.4 and is currently trading at ₹14.45, showing a decline of ₹0.01 (0.07%). The intraday high is ₹14.53 and low is ₹14.15. The trading volume stands at 38,41,832 shares, indicating strong market participation today.
08What is the P/E ratio of Utkarsh Small Finance Bank Ltd and what does it indicate?
Utkarsh Small Finance Bank Ltd has a Price-to-Earnings (P/E) ratio of -2.23, which means investors are willing to pay ₹-2.23 for every ₹1 of earnings. With an EPS of ₹-6.47, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Utkarsh Small Finance Bank Ltd (UTKARSHBNK) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.