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 | : | ₹ 2,279.2 Cr |
| Revenue (TTM) | : | ₹ 3,679.9 Cr |
| Net Profit(TTM) | : | ₹ -353.2 Cr |
| EPS (TTM) | : | ₹ -3.2 |
| P/E (TTM) | : | - |
| Industry Peers & Returns | 1W | 1M | 1Y |
| UTKARSH SMALL FINANCE BANK | 2.5% | -13.8% | -58.6% |
| HDFC BANK | -1% | -1.7% | 22.8% |
| ICICI BANK | -1.8% | 0.8% | 22.8% |
| KOTAK MAHINDRA BANK | -2.3% | -12.1% | 12.1% |
| AXIS BANK | -1% | -9.2% | -5.3% |
| INDUSIND BANK | -2.6% | -8.2% | -40% |
| IDBI BANK | -1.4% | -9.6% | -6.3% |
| YES BANK | -1.9% | -6.4% | -21.9% |
| IDFC FIRST BANK | -0.4% | -9.9% | -4.5% |
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 | : | ₹20.7 |
| Current MarketCap | : | ₹ 2,279.2 Cr |
| Updated EOD on | : | Aug 08,2025 |
| Share Price Returns(%) | 1 Week | 1 Month | 1 Year |
| UTKARSH SMALL FINANCE BANK | 2.5% |
-13.8% |
-58.6% |
| SENSEX | -0.9% |
-4.4% |
1.6% |
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 | -0.9% | -3.8% | 12.5% |
| BSE SMALLCAP | -1.9% | -5.9% | -0.8% |
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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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Intrinsic Value of HDFC BANK LTD Intrinsic Value of ICICI BANK LTD Intrinsic Value of KOTAK MAHINDRA BANK LTD Intrinsic Value of AXIS BANK LTD Intrinsic Value of INDUSIND BANK LTD |
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