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 Negative YoY. |
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UTKARSH SMALL FINANCE BANK Last 5 Annual Financial Results
[BOM: 543942|NSE : UTKARSHBNK]
| Standalone | Mar2026 | Mar2025 | Mar2024 | Mar2023 | Mar2022 |
|---|---|---|---|---|---|
| Interest Earned | ₹3,765 Cr | ₹3,178 Cr | ₹2,505 Cr | ₹1.85 Cr | ₹1,580,987 Cr |
| Other Income | ₹600 Cr | ₹400 Cr | ₹299 Cr | ₹0.19 Cr | ₹144,150 Cr |
| Interest Expended | ₹1,742 Cr | ₹1,293 Cr | ₹976 Cr | ₹0.79 Cr | ₹741,741 Cr |
| Operating Expenses | ₹1,616 Cr | ₹1,289 Cr | ₹990 Cr | ₹0.73 Cr | ₹545,057 Cr |
| Profit Before Tax | ₹28 Cr | ₹659 Cr | ₹536 Cr | ₹0.08 Cr | ₹151,435 Cr |
| Profit After Tax | ₹24 Cr | ₹498 Cr | ₹405 Cr | ₹0.06 Cr | ₹111,815 Cr |
| Earnings Per Share (Rs) | ₹-6.47 | ₹0.22 | ₹4.53 | ₹4.52 | ₹0.69 |
| NIM | 5.41 | 7.46 | 8.17 | 8.29 | 7.34 |
| ROE(%) | -40.73 | 0.81 | 20.17 | 22.80 | 4.19 |
| ROCE(%) | -24.00 | 3.97 | 17.84 | 17.13 | 7.19 |
| Advances Growth | -3.46 | 14.37 | 25.22 | 27.77 | 24.48 |
| Net NPAs (funded) to Net Advances (%) | 3.29 | 4.84 | 0.03 | 0.39 | 2.31 |
Key Financials |
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| Market Cap | : | ₹ 2,663.9 Cr |
| Revenue (TTM) | : | ₹ 3,378.8 Cr |
| Net Profit(TTM) | : | ₹ -1,151.0 Cr |
| EPS (TTM) | : | ₹ -6.5 |
| P/E (TTM) | : | - |
| Industry Peers & Returns | 1W | 1M | 1Y |
| UTKARSH SMALL FINANCE BANK | -1.3% | 6.6% | -26.1% |
| HDFC BANK | 0.1% | 4.2% | -19.4% |
| ICICI BANK | 2.3% | 7.9% | -0.4% |
| KOTAK MAHINDRA BANK | 1.3% | -3.6% | -15% |
| AXIS BANK | 0.7% | -1.6% | 12% |
| IDBI BANK | 3.5% | -3.8% | -14.3% |
| AU SMALL FINANCE BANK | -2.9% | 0.9% | 25% |
| THE FEDERAL BANK | 4.9% | 8.2% | 55.1% |
| INDUSIND BANK | 1.5% | 10% | 18.9% |
UTKARSH SMALL FINANCE BANK Net Interest Income
[BOM: 543942|NSE : UTKARSHBNK]
| Y-o-Y | 7.27 % |
| 5 Yr CAGR | -77.84 % |
| Years | Net Interest Income | % Change | |
|---|---|---|---|
| Mar2026 | ₹2,023 Cr | 7.27 | |
| Mar2025 | ₹1,886 Cr | 23.33 | |
| Mar2024 | ₹1,529 Cr | 144,012.25 | |
| Mar2023 | ₹1.06 Cr | -100.00 | |
| Mar2022 | ₹839,247 Cr | - | |
UTKARSH SMALL FINANCE BANK Net Interest Margin (NIM)
[BOM: 543942|NSE : UTKARSHBNK]
| Net Interest Margins | |
|---|---|
| Y-o-Y | -27.48 % |
| 5 Yr CAGR | -7.34 % |
| Years | Net Interest Margin% | % Change | |
|---|---|---|---|
| Mar2026 | 5.41% | -27.48 | |
| Mar2025 | 7.46% | -8.69 | |
| Mar2024 | 8.17% | -1.45 | |
| Mar2023 | 8.29% | 12.94 | |
| Mar2022 | 7.34% | - | |
UTKARSH SMALL FINANCE BANK Profit After Tax
[BOM: 543942|NSE : UTKARSHBNK]
| Y-o-Y | -95.24 % |
| 5 Yr CAGR | -87.93 % |
| Years | Profit After Tax | % Change | |
|---|---|---|---|
| Mar2026 | ₹24 Cr | -95.24 | |
| Mar2025 | ₹498 Cr | 23.02 | |
| Mar2024 | ₹405 Cr | 663,018.03 | |
| Mar2023 | ₹0.06 Cr | -100.00 | |
| Mar2022 | ₹111,815 Cr | - | |
| PAT Margins | |
|---|---|
| Y-o-Y | -95.57 % |
| 5 Yr CAGR | -45.56 % |
| Years | PAT Margin(%) | % Change | |
|---|---|---|---|
| Mar2026 | 1.17 % | -95.57 | |
| Mar2025 | 26.39 % | -0.23 | |
| Mar2024 | 26.45 % | 360.00 | |
| Mar2023 | 5.75 % | -56.83 | |
| Mar2022 | 13.32 % | - | |
UTKARSH SMALL FINANCE BANK Earnings Per Share (EPS)
[BOM: 543942|NSE : UTKARSHBNK]
| Y-o-Y | Negative |
| 5 Yr CAGR | Negative |
| Years | EPS | % Change | |
|---|---|---|---|
| Mar2026 | ₹-6.47 | Negative | |
| Mar2025 | ₹0.22 | -95.14 | |
| Mar2024 | ₹4.53 | 0.22 | |
| Mar2023 | ₹4.52 | 555.07 | |
| Mar2022 | ₹0.69 | - | |
UTKARSH SMALL FINANCE BANK Return on Capital Employed (ROCE)
[BOM: 543942|NSE : UTKARSHBNK]
| Y-o-Y | Negative |
| 5 Yr CAGR | Negative |
| Years | ROCE | % Change | |
|---|---|---|---|
| Mar2026 | -24% | Negative | |
| Mar2025 | 3.97% | -77.75 | |
| Mar2024 | 17.84% | 4.14 | |
| Mar2023 | 17.13% | 138.25 | |
| Mar2022 | 7.19% | - | |
UTKARSH SMALL FINANCE BANK Share Price vs Sensex
| Current Share Price | : | ₹15.0 |
| Current MarketCap | : | ₹ 2,663.9 Cr |
| Updated EOD on | : | Jul 17,2026 |
| Share Price Returns(%) | 1 Week | 1 Month | 1 Year |
| UTKARSH SMALL FINANCE BANK | -1.3% |
6.6% |
-26.1% |
| SENSEX | 0.8% |
1.8% |
-6.5% |
UTKARSH SMALL FINANCE BANK related INDICES
| BSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| BSE FINANCIAL SERVICES | 0.2% | 3.2% | -0.2% |
| BSE 1000 | -0.1% | 1.7% | -0.9% |
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 Negative 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 IDBI BANK LTD |
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