Utkarsh Small F.
NSE: UTKARSHBNK · Other Bank
Snapshot
Unlock Utkarsh Small F.'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.
Price
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Key Metrics
NET PROFIT
₹-1,151 Cr
TTM · standalone
EPS
₹-8.85
TTM · standalone
P/E
-1.7x
Q4 FY26 · standalone
Peers · Other Bank
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Utkarsh Small F.UTKARSHBNK | 2,046 | -1.70 | — | — | — | — | — | -35.7% |
Jana Small Finance Bank LimitedJSFB | 3,809 | 16.04 | — | — | — | — | — | +0.4% |
Suryoday SmallSURYODAY | 1,307 | 12.97 | — | — | — | — | — | +32.1% |
ESAF Small FinESAFSFB | 1,172 | -11.16 | — | — | — | — | — | +4.6% |
Capital SmallCAPITALSFB | 1,012 | 9.59 | — | — | — | — | — | +6.8% |
Fino PaymentsFINOPB | 954 | 25.16 | — | — | — | 6.5% | — | -43.4% |
Financials
Utkarsh Small F.
NSE: UTKARSHBNK · Other Bank
Snapshot
Unlock Utkarsh Small F.'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.
Price
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Start your research today
Unlock AI insights, financials, peers and live data on Utkarsh Small F. and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹-1,151 Cr
TTM · standalone
EPS
₹-8.85
TTM · standalone
P/E
-1.7x
Q4 FY26 · standalone
Peers · Other Bank
As of