Home > Annual Financials > UTKARSH SMALL FINANCE BANK

UTKARSH SMALL FINANCE BANK Financial Statement Analysis
[BOM: 543942|NSE : UTKARSHBNK]

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.
NET INTEREST INCOME
NET INTEREST MARGIN
PROFIT AFTER TAX
EPS
ROCE

UTKARSH SMALL FINANCE BANK Last 5 Annual Financial Results
[BOM: 543942|NSE : UTKARSHBNK]

StandaloneMar2025
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
NIM7.468.178.297.347.17
ROE(%)0.8120.1722.804.199.37
ROCE(%)3.9717.8417.137.1910.78
Advances Growth14.3725.2227.7724.4830.81
Net NPAs (funded) to Net Advances (%)0.000.030.392.311.33

Key Financials

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 & Returns1W1M1Y
UTKARSH SMALL FINANCE BANK 4.5% -2% -49.9%
HDFC BANK 2.9% 4.2% 19.9%
ICICI BANK -1.2% -1.4% 12.9%
KOTAK MAHINDRA BANK 2.2% 8.2% 18.8%
AXIS BANK 5.7% 8.8% 8.3%
INDUSIND BANK 2.4% 2% -43.6%
IDBI BANK 1.2% 0.5% 16%
YES BANK -2.4% 7.5% 8.3%
IDFC FIRST BANK 5.3% 7% 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

4.5%

-2%

-49.9%

SENSEX

2.4%

2.3%

4.4%

UTKARSH SMALL FINANCE BANK related INDICES

BSE Indices1W1M1Y
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 .