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Utkarsh Small Finance Bank Limited (UTKARSHBNK.NS)
Varanasi, IN
Utkarsh Small Finance Bank Limited is an Indian financial institution delivering a comprehensive suite of banking and financial offerings. Its services cater to individual clients with diverse deposit accounts like savings, fixed, recurring, and tax-saving options, alongside debit and credit cards. Lending solutions for individuals encompass home loans, property-backed (LAP retail) loans, personal loans, and gold loans. The bank also offers life and general insurance, various investment products, and convenient services such as remittances, bill payments, locker facilities, and overdrafts against fixed deposits, all accessible via ATMs, physical branches, and digital platforms (internet and mobile banking). For business customers, the bank provides current and institutional banking accounts, with a loan portfolio extending to micro banking groups, MSMEs, wholesale clients, and financing for commercial vehicles and construction equipment. Businesses, like individuals, also have access to insurance products, investment opportunities, remittance services, bill payment options, and digital banking. Established in 2016 with its headquarters in Varanasi, India, the bank functions as a subsidiary of Utkarsh CoreInvest Limited.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.80% | -11.05% | +3.82% | +2.21% | -12.89% | -6.55% | -42.55% | -71.15% | -71.15% | -71.15% | -71.15% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 2 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth-12.7% Q1'26: -18.4% (vs Q1'25)
-
EPS growth-3,904.6% Q1'26: -3,633.3% (vs Q1'25)
-
FCF margin— Q1'26: +274.1% (vs Q1'25)
-
EBIT margin— Q1'26: -24.4% (vs Q1'25)
-
ROIC— Q1'26: -19.5% (vs Q1'25)
-
Share dilution+27.7% Q1'26: +79.3% (vs Q1'25)
-
Debt / EBITDA— Q1'26: -3.05× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 2 Rev. Ana. 1 EPS Ana. |
Mar 2027 2 Rev. Ana. 1 EPS Ana. |
Mar 2028 2 Rev. Ana. 1 EPS Ana. |
Mar 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|
| Revenue |
35.79B
est: 20.60B (+73.7%)
|
43.65B
est: 24.58B (+77.6%)
|
19.85B
19.72B – 19.98B
-19.2% YoY
|
26.94B
26.76B – 27.12B
+35.7% YoY
|
32.29B
32.15B – 32.43B
+19.9% YoY
|
38.56B
38.35B – 38.76B
+19.4% YoY
|
| EBITDA |
7.25B
est: 504.66M (+1,335.9%)
|
1.04B
est: 602.06M (+73.1%)
|
486.30M
483.01M – 489.59M
-19.2% YoY
|
659.97M
655.56M – 664.37M
+35.7% YoY
|
791.14M
787.71M – 794.57M
+19.9% YoY
|
944.55M
939.45M – 949.65M
+19.4% YoY
|
| EBIT |
6.59B
est: 104.61M (+6,203.1%)
|
276.52M
est: 124.80M (+121.6%)
|
100.81M
100.13M – 101.49M
-19.2% YoY
|
136.81M
135.90M – 137.72M
+35.7% YoY
|
164.00M
163.29M – 164.71M
+19.9% YoY
|
195.80M
194.74M – 196.86M
+19.4% YoY
|
| Net Income |
4.98B
est: 6.66B (-25.3%)
|
237.01M
est: -1.58B (+115.0%)
|
-8.11B
-8.92B – -7.31B
-414.7% YoY
|
1.44B
1.37B – 1.52B
+117.8% YoY
|
3.09B
2.76B – 3.43B
+114.3% YoY
|
4.81B
4.78B – 4.85B
+55.6% YoY
|
| SGA |
412.72M
est: 1.21B (-65.8%)
|
482.87M
est: 1.44B (-66.5%)
|
1.16B
1.16B – 1.17B
-19.2% YoY
|
1.58B
1.57B – 1.59B
+35.7% YoY
|
1.89B
1.88B – 1.90B
+19.9% YoY
|
2.26B
2.25B – 2.27B
+19.4% YoY
|
| EPS |
4.79
est: 4.84 (-1.1%)
|
0.22
est: -1.15 (+119.2%)
|
-5.90
-6.49 – -5.31
-414.7% YoY
|
1.05
1.00 – 1.10
+117.8% YoY
|
2.25
2.00 – 2.50
+114.3% YoY
|
3.50
3.48 – 3.52
+55.6% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | B- | 2/5 | 5/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-11 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-08 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-07 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-06 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-05 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-04 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-30 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-29 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-28 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-27 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-24 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-23 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-22 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-21 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-20 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-17 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-16 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Govind Singh | MD, Chief Executive Officer & Director | 43M | male |
| Amit Acharya | Chief Risk Officer | — | male |
| G. H. Vijaya Raghava | Head of Treasury | — | male |
| Muthiah Ganapathy | Company Secretary & Compliance Officer | — | male |
| Rahul Dey | Head of Operations & Administration | — | male |
| Ritesh Kumar | Chief Compliance Officer | — | male |
| Sarjukumar Pravin Simaria | Chief Financial Officer | — | male |
| Sourabh Ghosh | Head of Consumer Banking | — | — |
| Abhijeet Bhattacharjee | Chief Information Officer | — | male |
| Virender Sharma | Head of Micro Banking | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for UTKARSHBNK.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
