Utkarsh Small Finance Bank Limited
NSE: UTKARSHBNK · Other Bank
Snapshot
Unlock Utkarsh Small Finance Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Utkarsh Small Finance Bank Limited is an Indian financial institution providing a comprehensive range of banking services to individual and business customers. Its offerings include savings and deposit accounts, various loan products such as micro-banking, MSME, and retail loans, alongside insurance and investment services.
Business Model
The bank generates revenue primarily through net interest income earned on its diverse loan portfolio, including micro-banking and MSME lending. It also earns fee-based income from banking services, insurance distribution, and investment product commissions.
Growth Outlook
Growth is driven by the expansion of its branch network and the deepening of its micro-banking and MSME loan portfolios across India. The bank continues to focus on digital transformation to enhance customer acquisition and service efficiency.
Key Risks
- Credit Risk. The bank is exposed to potential defaults within its micro-banking and MSME segments, which are sensitive to economic downturns.
- Regulatory Risk. As a small finance bank, it must adhere to strict RBI guidelines regarding priority sector lending and capital adequacy requirements.
- Interest Rate Risk. Fluctuations in interest rates may impact the bank's net interest margins and the demand for its credit products.
- Geographic Concentration. The bank's operations are concentrated in specific regions, making it vulnerable to localized economic or environmental disruptions.
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Key Metrics
NET PROFIT
₹-945 Cr
TTM · standalone
EPS
₹-6.87
TTM · standalone
P/E
-2.1x
Q1 FY27 · standalone
Peers · Other Bank
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Utkarsh Small Finance Bank LimitedUTKARSHBNK | ₹2,591 Cr | -2.12 | — | — | — | 18.5% | — | -32.1% |
Jana Small Finance Bank LimitedJSFB | ₹5,637 Cr | 14.84 | — | — | — | 7.6% | — | +9.6% |
ESAF Small Finance Bank LimitedESAFSFB | ₹2,137 Cr | -3.60 | — | — | — | — | — | +41.8% |
Suryoday Small Finance Bank LimitedSURYODAY | ₹1,616 Cr | 8.42 | — | — | — | 9.6% | — | +21.6% |
Capital Small Finance Bank LimitedCAPITALSFB | ₹1,276 Cr | — | — | — | — | 9.7% | — | -5.4% |
Fino Payments Bank LimitedFINOPB | ₹1,159 Cr | 55.51 | — | — | -465.0% | — | — | -48.8% |
Financials
Utkarsh Small Finance Bank Limited
NSE: UTKARSHBNK · Other Bank
Snapshot
Unlock Utkarsh Small Finance Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Utkarsh Small Finance Bank Limited is an Indian financial institution providing a comprehensive range of banking services to individual and business customers. Its offerings include savings and deposit accounts, various loan products such as micro-banking, MSME, and retail loans, alongside insurance and investment services.
Business Model
The bank generates revenue primarily through net interest income earned on its diverse loan portfolio, including micro-banking and MSME lending. It also earns fee-based income from banking services, insurance distribution, and investment product commissions.
Growth Outlook
Growth is driven by the expansion of its branch network and the deepening of its micro-banking and MSME loan portfolios across India. The bank continues to focus on digital transformation to enhance customer acquisition and service efficiency.
Key Risks
- Credit Risk. The bank is exposed to potential defaults within its micro-banking and MSME segments, which are sensitive to economic downturns.
- Regulatory Risk. As a small finance bank, it must adhere to strict RBI guidelines regarding priority sector lending and capital adequacy requirements.
- Interest Rate Risk. Fluctuations in interest rates may impact the bank's net interest margins and the demand for its credit products.
- Geographic Concentration. The bank's operations are concentrated in specific regions, making it vulnerable to localized economic or environmental disruptions.
Start your research today
Unlock AI insights, financials, peers and live data on Utkarsh Small Finance Bank Limited and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹-945 Cr
TTM · standalone
EPS
₹-6.87
TTM · standalone
P/E
-2.1x
Q1 FY27 · standalone
Peers · Other Bank
As of