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Utkarsh Small Finance Bank
Small Cap•16,081 Employees•IPO 2023
Current Price
₹12.28
-0.25 (-2%)Updated
Valuation vs Sector
P/E Ratio
-2.36vs 8.78
P/B Ratio
0.95vs 1.45
Div Yield
0.00%vs 2.17%
Today's Range
12.21
₹12.28
12.59
52 Week Range
52W Low₹12.28
52W High₹28.00
₹12.28
Downside0.00%
Upside128.01%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
Loading chart...
Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹2,446.85 Cr
Market Cap
Total market value of companyP/E Ratio
-
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
0.97
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹-6.96
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
-12.87%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
7.17%
ROCE
Return on Capital Employed. >15% is goodNet Margin
-%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
-%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
-%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
-8.80%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
-274.00%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
0.84
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹22.92
Book Value
Net asset value per shareDividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
68.90%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
4 points- •Substantial 68.9% promoter holding indicates strong insider confidence and long-term commitment.
- •Healthy 19.5% operating profit margin suggests efficient cost management capabilities.
Weaknesses
5 points- •Reported significant quarterly net loss of ₹239 crore, profit declined -274%.
- •Extremely low Return on Equity (ROE) of 0.79% indicates poor efficiency.
Opportunities
4 points- •Expand customer base in underserved populations through microfinance initiatives.
- •Leverage healthy OPM for potential turnaround and improved future profitability.
Threats
4 points- •Intense competition from larger, more profitable peers in the SFB sector.
- •Potential negative impact from stricter regulatory changes and capital requirements.
Segment-wise Financial Analysis
Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...
Shareholding Pattern
Loading shareholding data...
Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹13.27 | +₹0.99 | +8.06% |
| R3 | ₹12.89 | +₹0.61 | +4.97% |
| R2 | ₹12.74 | +₹0.46 | +3.75% |
| R1 | ₹12.51 | +₹0.23 | +1.87% |
| PIVOT | ₹12.36 | 0.08 | 0.65% |
| CURRENT | ₹12.28 | - | - |
| S1 | ₹11.37 | -₹0.91 | -7.41% |
| S2 | ₹11.75 | -₹0.53 | -4.32% |
| S3 | ₹11.98 | -₹0.30 | -2.44% |
| S4 | ₹12.13 | -₹0.15 | -1.22% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-52.0% vs avg
6.00M
(12 Mar 2026)Delivery %-4.1% vs avg
41.8%
(12 Mar 2026)Avg Volume (20D)20-day average
12.49M
(12 Feb - 12 Mar)Avg Delivery %Trend ↑
46.0%
(12 Feb - 12 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
HDFC Bank Ltd
14.24L ₹ Cr
Best Profit Growth
DCB Bank Ltd
18.30 %
Highest Dividend Yield
Karnataka Bank Ltd
2.40 %
Peer Comparison
| Company Name |
|---|
 DCB Bank Ltd |
 Equitas Small Finance Bank Ltd |
 ESAF Small Finance Bank Ltd |
 Fino Payments Bank Ltd |
 HDFC Bank Ltd |
 Jana Small Finance Bank Ltd |
 Karnataka Bank Ltd |
 South Indian Bank Ltd |
 Suryoday Small Finance Bank Ltd |
 Tamilnad Mercantile Bank Ltd |
About
Utkarsh Small Finance Bank Ltd
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.
COMPANY FACTS - UTKARSHBNK
Registered Address
Utkarsh Tower, NH - 31 (Airport Road), Sehmalpur, Kazi Sarai, Harhua
Varanasi
UTTAR PRADESH
IN
Company Details
Group: Banks
Sector: Financials
Industry: Banks
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 16,081
IPO Date: 21/07/2023
MANAGEMENT - UTKARSHBNK
Mr. Kshatrapati Shivaji
Part Time Independent Chairman of the Board
Mr. Pramod Dubey
President, Chief Business Officer, Whole Time Director
Mr. Govind Singh
Chief Executive Officer, Managing Director, Executive Director
Mr. Sarjukumar Simaria
Chief Financial Officer
Mr. Hitain Sharma
Chief Human Resources Officer
Mr. Abhijeet Bhattacharjee
Chief Information Officer
Mr. Muthiah Ganapathy
Compliance Officer, Company Secretary
Mr. Amit Acharya
Chief Risk Officer
Ms. Suchita Chatterjee
Interim Head - Internal Audit
Mr. Rahul Dey
Head - Operations
Mr. R. Murugesan
Chief - Internal Vigilance
Mr. G Vijaya Raghava
Head - Treasury
Investor Questions Answered
Utkarsh Small Finance Bank Ltd (UTKARSHBNK) Stock FAQs
Get answers to the most common questions about Utkarsh Small Finance Bank Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) is ₹12.28. Today, the stock has declined by ₹0.25 (2.00%), trading in a range of ₹12.21 to ₹12.59. The stock opened at ₹12.59 with a trading volume of 58,24,930 shares.
Utkarsh Small Finance Bank Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹2,446.85 crores, P/E ratio of 0.00, ROE of -12.87%, and ROCE of 7.17%. 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.
The 52-week high price of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) is ₹28, while the 52-week low is ₹12.28. Currently trading at ₹12.28, the stock is 0.0% away from its 52-week low and 56.1% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Utkarsh Small Finance Bank Ltd stock at ₹12.28 depends on multiple factors. The stock is currently trading with a P/E ratio of 0.00 and P/B ratio of N/A. Today's performance shows a loss of 2.00%. 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.
Utkarsh Small Finance Bank Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹12.28, 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.
Utkarsh Small Finance Bank Ltd's key financial metrics include: P/E Ratio: 0.00, P/B Ratio: N/A, ROE: -12.87%, ROCE: 7.17%, Dividend Yield: 0.00%, EPS: ₹-6.96, Book Value: ₹22.92, Debt-to-Equity: 0.84, and Current Ratio: N/A. The company's market cap stands at ₹2,446.85 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Utkarsh Small Finance Bank Ltd stock opened at ₹12.59 and is currently trading at ₹12.28, showing a decline of ₹0.25 (2.00%). The intraday high is ₹12.59 and low is ₹12.21. The trading volume stands at 58,24,930 shares, indicating strong market participation today.
Utkarsh Small Finance Bank Ltd has a Price-to-Earnings (P/E) ratio of 0.00, which means investors are willing to pay ₹0.00 for every ₹1 of earnings. With an EPS of ₹-6.96, 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.
Utkarsh Small Finance Bank Ltd has a market capitalization of ₹2,446.85 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹12.28) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Utkarsh Small Finance Bank Ltd has a book value of ₹22.92 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹12.28, which is 46.4% below the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Utkarsh Small Finance Bank Ltd has a Return on Equity (ROE) of -12.87% and Return on Capital Employed (ROCE) of 7.17%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Utkarsh Small Finance Bank Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Utkarsh Small Finance Bank Ltd has a debt-to-equity ratio of 0.84, which measures the company's financial leverage by comparing total debt to shareholders' equity. This moderate ratio indicates balanced use of debt and equity. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Utkarsh Small Finance Bank Ltd has an Earnings Per Share (EPS) of ₹-6.96, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹12.28 and P/E ratio of 0.00, investors are paying 0.00 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Utkarsh Small Finance Bank Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Utkarsh Small Finance Bank Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Utkarsh Small Finance Bank Ltd stock, consider: 1) Fundamental Analysis - Review P/E (0.00), ROE (-12.87%), debt-to-equity (0.84), and growth rates. 2) Technical Analysis - Check 52-week range (₹12.28 - ₹28.00), moving averages, and chart patterns. 3) Valuation - Compare current price (₹12.28) with book value (₹22.92) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Utkarsh Small Finance Bank Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹12.28 is 23x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Utkarsh Small Finance Bank Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹12.28 - ₹28.00). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 0.84 indicates leverage. 4) Liquidity Risk - Based on trading volume of 58,24,930 shares. 5) Valuation Risk - P/E of 0.00 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Utkarsh Small Finance Bank Ltd operates in the industry with key metrics: P/E ratio of 0.00, ROE of -12.87%, market cap of ₹2,446.85 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 0.84), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Utkarsh Small Finance Bank Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹12.28, with a 52-week range of ₹12.28 to ₹28.00. Based on fundamentals like P/E (0.00), ROE (-12.87%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Utkarsh Small Finance Bank Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹12.28. 2) Fundamental Deterioration - Declining ROE (currently -12.87%), increasing debt (D/E: 0.84), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Utkarsh Small Finance Bank Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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