Utkarsh Small Finance Bank Ltd (UTKARSHBNK) — shareholding pattern, promoter holding, financials and share price
About Utkarsh Small Finance Bank Ltd (UTKARSHBNK)
Utkarsh Small Finance Bank Ltd operates in the Other Bank industry, within the Financial Services sector. It trades on the NSE as UTKARSHBNK and on the BSE under scrip code 543942. Its ISIN is INE735W01017.
Incorporated in 2016, Utkarsh Small Finance Bank is engaged in providing banking and financial services. [1]
Utkarsh Small Finance Bank Limited is a scheduled commercial bank headquartered in Varanasi, focused on providing microfinance and diversified financial products across India. It serves both urban and rural segments through an expanding network of 1,105 branches.
Despite a challenging operational environment, the bank’s strategic focus on transitioning from JLG loans to more secured lending has increased its secured loan proportion from 41% to 50% of its portfolio.
Listed peers in Other Bank: Equitas Small Finance Bank Ltd, Jana Small Finance Bank Ltd, Suryoday Small Finance Bank Ltd, ESAF Small Finance Bank Ltd, Capital Small Finance Bank Ltd, Fino Payments Bank Ltd.
Valuation & Returns
10 Jul 2026At ₹14.63 a share on 10 Jul 2026, Utkarsh Small Finance Bank Ltd (UTKARSHBNK) was valued at a price-to-earnings ratio of -2.26x against an industry P/E of 13.51x and a price-to-book of 0.88x on a book value of ₹16.72 per share as of Mar 2025. Solomo computes return on equity of -38.69% and return on capital employed of 1.37% from filed results. Earnings ratios use standalone results for the twelve months Jun 2025 to Mar 2026.
- P/E
- -2.26x
- Industry P/E
- 13.51x
- P/B
- 0.88x
- EPS (TTM)
- ₹-6.47
- Book value / share
- ₹16.72
- ROE
- -38.69%
- ROCE
- 1.37%
- ROA
- -4.09%
- Debt / equity
- 8.04x
- Dividend yield
- 0%
- EBITDA margin
- 11.7%
- 52-week range
- ₹10.15 – ₹22.02
Ratios are computed from filed results and the last recorded price. Not investment advice.
Financial Performance
Mar 2026In the year ended Mar 2026, Utkarsh Small Finance Bank Ltd (UTKARSHBNK) reported revenue of ₹3,379 crore, net profit of ₹-1,151 crore and earnings per share of ₹-6.47. That compares with revenue of ₹3,765 crore and net profit of ₹24 crore in Mar 2025. Figures are standalone, as filed with the exchanges.
In the quarter ended Mar 2026, revenue was ₹837 crore and net profit ₹-188 crore (standalone).
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue (₹ cr) | 1,849 | 2,505 | 3,178 | 3,765 | 3,379 |
| Net profit (₹ cr) | 61 | 404 | 498 | 24 | -1,151 |
| EPS (₹) | 0.42 | 2.8 | 2.8 | 0.13 | -6.47 |
| Measure | 5Y | 3Y | 1Y |
|---|---|---|---|
| Sales growth | 23.55% | 26.75% | 18.45% |
| Profit growth | -33.82% | -27.21% | -95.24% |
Ownership Summary
Jun 2026As of Jun 2026, promoters hold 42.67% of Utkarsh Small Finance Bank Ltd (UTKARSHBNK) (unchanged from the previous quarter), foreign institutional investors (FII) hold 11.9% and domestic institutional investors (DII) hold 9.55%. Market capitalisation was ₹2,603 crore on 10 Jul 2026. Shareholding is filed quarterly with BSE and NSE; Solomo carries every filing back to Sep 2023.
Largest disclosed public shareholders in Jun 2026: COHESION MK BEST IDEAS SUB-TRUST 3.21%, INDIA CAPITAL FUND LIMITED 2.98%, ICICI PRUDENTIAL LIFE INSURANCE COMPANY LIMITED 2.96%, FLC INVESTCO, LLC 2.76%, KOTAK MAHINDRA LIFE INSURANCE COMPANY LTD. 2.37%, OLYMPUS ACF PTE LIMITED 1.92%. Only stakes above the 1% disclosure threshold are named in filings.
| Quarter | Promoter | Pledged | FII | DII | Public |
|---|---|---|---|---|---|
| Jun 2026 | 42.67% | - | 11.9% | 9.55% | 57.33% |
| Mar 2026 | 42.67% | - | 11.49% | 9.57% | 57.33% |
| Dec 2025 | 42.67% | - | 11.8% | 9.76% | 57.33% |
| Sep 2025 | 68.92% | - | 1.68% | 2.39% | 31.08% |
| Jun 2025 | 68.92% | - | 1.85% | 2.78% | 31.08% |
| Mar 2025 | 68.92% | - | 0.99% | 7.03% | 31.08% |
| Dec 2024 | 68.93% | - | 1.34% | 8.23% | 31.07% |
| Sep 2024 | 68.94% | - | 0.99% | 10.01% | 31.06% |