UTKARSH SMALL FINANCE BANK Financial Statement Analysis
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The Net Interest Income of UTKARSH SMALL FINANCE BANK have increased by 7.27% YoY .
The Earnings Per Share (EPS) of UTKARSH SMALL FINANCE BANK has decreased by -95.14 % YoY. |
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| NET INTEREST INCOME |
| NET INTEREST MARGIN |
| PROFIT AFTER TAX |
| EPS |
| ROCE |
UTKARSH SMALL FINANCE BANK Last 5 Annual Financial Results
[BOM: 543942|NSE : UTKARSHBNK]
| Standalone | Mar2025 | Mar2024 | Mar2023 | Mar2022 | Mar2021 |
|---|---|---|---|---|---|
| Interest Earned | ₹3,765 Cr | ₹3,178 Cr | ₹2,505 Cr | ₹1,849 Cr | ₹1,581 Cr |
| Other Income | ₹600 Cr | ₹400 Cr | ₹299 Cr | ₹185 Cr | ₹144 Cr |
| Interest Expended | ₹1,742 Cr | ₹1,293 Cr | ₹976 Cr | ₹788 Cr | ₹742 Cr |
| Operating Expenses | ₹1,616 Cr | ₹1,289 Cr | ₹990 Cr | ₹734 Cr | ₹545 Cr |
| Profit Before Tax | ₹28 Cr | ₹659 Cr | ₹536 Cr | ₹80 Cr | ₹151 Cr |
| Profit After Tax | ₹24 Cr | ₹498 Cr | ₹405 Cr | ₹61 Cr | ₹112 Cr |
| Earnings Per Share (Rs) | ₹0.22 | ₹4.53 | ₹4.52 | ₹0.69 | ₹1.32 |
| NIM | 7.46 | 8.17 | 8.29 | 7.34 | 7.17 |
| ROE(%) | 0.81 | 20.17 | 22.80 | 4.19 | 9.37 |
| ROCE(%) | 3.97 | 17.84 | 17.13 | 7.19 | 10.78 |
| Advances Growth | 14.37 | 25.22 | 27.77 | 24.48 | 30.81 |
| Net NPAs (funded) to Net Advances (%) | 0.00 | 0.03 | 0.39 | 2.31 | 1.33 |
Key Financials |
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| Market Cap | : | ₹ 3,265.4 Cr |
| Revenue (TTM) | : | ₹ 3,679.9 Cr |
| Net Profit(TTM) | : | ₹ -353.2 Cr |
| EPS (TTM) | : | ₹ -2.0 |
| P/E (TTM) | : | - |
| Industry Peers & Returns | 1W | 1M | 1Y |
| UTKARSH SMALL FINANCE BANK | 1.8% | -1.6% | -49.5% |
| HDFC BANK | 1.5% | 4.7% | 19.8% |
| ICICI BANK | -3.8% | -2.7% | 9.4% |
| KOTAK MAHINDRA BANK | 0.9% | 10.1% | 17.5% |
| AXIS BANK | 5.3% | 10.1% | 3.4% |
| INDUSIND BANK | 2.8% | 3.6% | -43.7% |
| IDBI BANK | 1.9% | 1% | 13.4% |
| YES BANK | -1.7% | 7.1% | 7.9% |
| IDFC FIRST BANK | 10% | 11.4% | 7.2% |
UTKARSH SMALL FINANCE BANK Net Interest Income
[BOM: 543942|NSE : UTKARSHBNK]
| Y-o-Y | 7.27 % |
| 5 Yr CAGR | 24.60 % |
| Years | Net Interest Income | % Change | |
|---|---|---|---|
| Mar2025 | ₹2,023 Cr | 7.27 | |
| Mar2024 | ₹1,886 Cr | 23.33 | |
| Mar2023 | ₹1,529 Cr | 44.13 | |
| Mar2022 | ₹1,061 Cr | 26.41 | |
| Mar2021 | ₹839 Cr | - | |
UTKARSH SMALL FINANCE BANK Net Interest Margin (NIM)
[BOM: 543942|NSE : UTKARSHBNK]
| Net Interest Margins | |
|---|---|
| Y-o-Y | -8.69 % |
| 5 Yr CAGR | 1.00 % |
| Years | Net Interest Margin% | % Change | |
|---|---|---|---|
| Mar2025 | 7.46% | -8.69 | |
| Mar2024 | 8.17% | -1.45 | |
| Mar2023 | 8.29% | 12.94 | |
| Mar2022 | 7.34% | 2.37 | |
| Mar2021 | 7.17% | - | |
UTKARSH SMALL FINANCE BANK Profit After Tax
[BOM: 543942|NSE : UTKARSHBNK]
| Y-o-Y | -95.24 % |
| 5 Yr CAGR | -32.15 % |
| Years | Profit After Tax | % Change | |
|---|---|---|---|
| Mar2025 | ₹24 Cr | -95.24 | |
| Mar2024 | ₹498 Cr | 23.02 | |
| Mar2023 | ₹405 Cr | 558.13 | |
| Mar2022 | ₹61 Cr | -45.03 | |
| Mar2021 | ₹112 Cr | - | |
| PAT Margins | |
|---|---|
| Y-o-Y | -95.57 % |
| 5 Yr CAGR | -45.56 % |
| Years | PAT Margin(%) | % Change | |
|---|---|---|---|
| Mar2025 | 1.17 % | -95.57 | |
| Mar2024 | 26.39 % | -0.23 | |
| Mar2023 | 26.45 % | 356.82 | |
| Mar2022 | 5.79 % | -56.53 | |
| Mar2021 | 13.32 % | - | |
UTKARSH SMALL FINANCE BANK Earnings Per Share (EPS)
[BOM: 543942|NSE : UTKARSHBNK]
| Y-o-Y | -95.14 % |
| 5 Yr CAGR | -36.11 % |
| Years | EPS | % Change | |
|---|---|---|---|
| Mar2025 | ₹0.22 | -95.14 | |
| Mar2024 | ₹4.53 | 0.22 | |
| Mar2023 | ₹4.52 | 555.07 | |
| Mar2022 | ₹0.69 | -47.73 | |
| Mar2021 | ₹1.32 | - | |
UTKARSH SMALL FINANCE BANK Return on Capital Employed (ROCE)
[BOM: 543942|NSE : UTKARSHBNK]
| Y-o-Y | -77.75 % |
| 5 Yr CAGR | -22.10 % |
| Years | ROCE | % Change | |
|---|---|---|---|
| Mar2025 | 3.97% | -77.75 | |
| Mar2024 | 17.84% | 4.14 | |
| Mar2023 | 17.13% | 138.25 | |
| Mar2022 | 7.19% | -33.30 | |
| Mar2021 | 10.78% | - | |
UTKARSH SMALL FINANCE BANK Share Price vs Sensex
| Current Share Price | : | ₹18.4 |
| Current MarketCap | : | ₹ 3,265.4 Cr |
| Updated EOD on | : | Oct 23,2025 |
| Share Price Returns(%) | 1 Week | 1 Month | 1 Year |
| UTKARSH SMALL FINANCE BANK | 1.8% |
-1.6% |
-49.5% |
| SENSEX | 2.4% |
2.3% |
4.4% |
UTKARSH SMALL FINANCE BANK related INDICES
| BSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| BSE ALLCAP | 6.4% | 8.9% | 7.5% |
| BSE MIDSMALLCAP | 4.7% | 9% | 8.4% |
| BSE FINANCIAL SERVICES | 1.7% | 3.8% | 13.8% |
| BSE SMALLCAP | 1.1% | -1.8% | -5.3% |
No NSE index found
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FAQ about UTKARSH SMALL FINANCE BANK Financials
How the annual revenues of UTKARSH SMALL FINANCE BANK have changed ?
The Net Interest Income of UTKARSH SMALL FINANCE BANK have increased by 7.27% YoY .
How the Earnings per Share (EPS) of UTKARSH SMALL FINANCE BANK have changed?
The Earnings Per Share (EPS) of UTKARSH SMALL FINANCE BANK has decreased by -95.14 % YoY .
Check out Intrinsic Value of Peers of UTKARSH SMALL FINANCE BANK
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