| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | 
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Total Revenue | 43.13B | 43.65B | 22.86B | 28.04B | 20.34B | 9.64B | 
| Gross Profit | 24.84B | 26.22B | 22.86B | 18.28B | 12.46B | 6.96B | 
| EBITDA | -4.77B | 1.04B | 7.25B | 5.94B | 1.21B | 1.81B | 
| Net Income | -3.53B | 237.00M | 4.98B | 4.05B | 614.62M | 1.12B | 
| Balance Sheet | ||||||
| Total Assets | 0.00 | 281.27B | 239.03B | 191.17B | 150.64B | 121.38B | 
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 34.37B | 30.27B | 25.16B | 18.72B | 11.70B | 
| Total Debt | 0.00 | 23.55B | 61.96B | 61.03B | 54.33B | 48.40B | 
| Total Liabilities | -29.75B | 251.53B | 209.29B | 171.17B | 134.91B | 107.70B | 
| Stockholders Equity | 29.75B | 29.75B | 29.73B | 20.00B | 15.72B | 13.68B | 
| Cash Flow | ||||||
| Free Cash Flow | 0.00 | -33.76B | 10.41B | 14.97B | 11.82B | -1.63B | 
| Operating Cash Flow | 0.00 | -32.18B | 11.11B | 15.73B | 13.29B | -834.63M | 
| Investing Cash Flow | 0.00 | -7.77B | -6.20B | -6.93B | -7.39B | -5.32B | 
| Financing Cash Flow | 0.00 | 44.04B | 39.02B | 34.01B | 26.78B | 1.72B | 
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth | 
|---|---|---|---|---|---|---|---|
| ― | ₹12.84B | 9.58 | ― | 1.81% | 14.99% | 19.59% | |
| ― | ₹17.55B | 282.70 | ― | ― | 0.02% | -96.51% | |
| ― | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
| ― | ₹99.26B | 22.63 | ― | 2.80% | 6.15% | -64.12% | |
| ― | ₹36.43B | ― | ― | 2.18% | 12.40% | -166.78% | |
| ― | ₹68.54B | ― | ― | 1.66% | 13.47% | -115.98% | 
Utkarsh Small Finance Bank Limited has announced a Rights Issue to raise up to ₹949.08 crore by offering fully paid-up equity shares to existing shareholders. The Rights Issue is set at a price of ₹14 per share, with a ratio of 8 shares for every 13 held, and aims to strengthen the bank’s capital base. The bank has received necessary approvals from the NSE and BSE for listing the new shares, and the issue is scheduled to open on October 24, 2025, and close on November 3, 2025. This move is expected to enhance the bank’s financial stability and support its growth initiatives, potentially impacting its market position positively.
Utkarsh Small Finance Bank Limited reported a decrease in its gross loan portfolio by 2.3% year-over-year and 3.0% quarter-over-quarter as of September 30, 2025. While the JLG loan portfolio saw a significant decline, the non-JLG loan portfolio grew by 30.3% year-over-year. Total deposits increased by 10% year-over-year, with a notable rise in CASA and retail term deposits, enhancing the bank’s liquidity position, evidenced by a liquidity coverage ratio of 219%. These changes reflect a strategic shift towards strengthening retail banking and improving deposit ratios.
Utkarsh Small Finance Bank Limited has announced a proposed rights issue of equity shares to raise funds. The bank has filed the necessary applications with stock exchanges for comments and in-principle listing approval. This move is part of the bank’s strategy to enhance its capital base and comply with regulatory requirements, potentially impacting its market positioning and shareholder value.
Utkarsh Small Finance Bank Limited announced a change in its management with the appointment of Dr. Sourabh Ghosh as the Head of Consumer Banking, effective August 2, 2025. The bank also reported its unaudited financial results for the quarter ending June 30, 2025, which were reviewed by statutory auditors, indicating a focus on transparency and regulatory compliance.
Utkarsh Small Finance Bank Limited reported its financial results for the quarter ended June 30, 2025, highlighting a strategic shift towards secured lending amid challenging conditions. The bank’s gross loan portfolio grew by 2.3% year-over-year, while deposits increased by 18.3%, driven by a 33.7% rise in retail term deposits. Despite a net loss of ₹239 crore, the bank focused on de-risking its portfolio, with secured loans now comprising 45% of the total, up from 35% the previous year. The bank’s efforts to optimize yields in secured products and a cautious approach to unsecured micro-banking are aimed at improving long-term asset quality, although they have impacted short-term interest income. The bank is also working towards enhancing margins and scalability as new branches mature.
Utkarsh Small Finance Bank Limited has released an investor presentation detailing its unaudited financial results for the quarter ending June 30, 2025. This announcement, made in compliance with SEBI Listing Regulations, provides stakeholders with insights into the bank’s financial performance and strategic direction, potentially impacting its market positioning and investor confidence.
Utkarsh Small Finance Bank Limited announced the approval of its unaudited financial results for the quarter ended June 30, 2025, by its Board of Directors. Additionally, Dr. Sourabh Ghosh has been appointed as the Head of Consumer Banking, enhancing the bank’s senior management team. These developments are expected to impact the bank’s operational efficiency and market positioning positively.