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Nifty
Sensex
:
:
22535.85
74227.08
374.25 (1.69%)
1089.18 (1.49%)

Utkarsh Small Finance Bank Ltd.

Bank - Private

Rating :
N/A

BSE: 543942 | NSE: UTKARSHBNK

NSE BSE
32.03
06-Feb-2025
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  31.45
  •  32.20
  •  31.21
  •  31.16
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  1679281
  •  534.48
  •  61.70
  •  21.25

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 2,606.41
  • 14.45
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 3,354.59
  • 2.11%
  • 0.88

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 68.92%
  • 1.84%
  • 15.54%
  • FII
  • DII
  • Others
  • 0.99%
  • 6.09%
  • 6.62%

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • 11.49
  • -

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • 21.66
  • 100.80

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 1.78
  • 1.78

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -

Quarterly Results

Standalone Figures in Rs. Crores

Description
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Jun 24
Jun 23
Var%
Mar 24
Mar 23
Var%
Interest Earned
932.43
805.98
15.69%
986.95
756.32
30.49%
965.92
720.50
34.06%
895.62
691.11
29.59%
Interest Exp.
452.31
323.67
39.74%
428.79
314.80
36.21%
392.75
298.47
31.59%
355.67
281.52
26.34%
Net Interest Income
480.13
482.30
-0.45%
558.17
441.52
26.42%
573.16
422.03
35.81%
539.95
409.59
31.83%
NIM
8.60
9.70
-11.34%
9.10
9.20
-1.09%
9.40
9.20
2.17%
9.90
0.00
0
Other Income
105.49
82.67
27.60%
102.58
105.17
-2.46%
104.65
91.90
13.87%
120.67
69.15
74.50%
Total Income
1,037.92
888.65
16.80%
1,089.54
861.49
26.47%
1,070.57
812.39
31.78%
1,016.30
760.26
33.68%
Operating Exp.
400.35
308.83
29.63%
384.34
309.01
24.38%
366.53
292.71
25.22%
378.41
270.43
39.93%
Operating Profit
185.26
256.15
-27.68%
276.41
237.68
16.30%
311.28
221.22
40.71%
282.22
208.31
35.48%
Provision
423.20
104.10
306.53%
208.34
83.25
150.26%
125.04
76.66
63.11%
73.87
34.10
116.63%
PBT
-237.94
152.05
-
68.07
154.43
-55.92%
186.24
144.56
28.83%
208.35
174.21
19.60%
PBTM
-25.52
18.87
-
6.90
20.42
-66.21%
19.28
20.06
-3.89%
23.26
25.21
-7.74%
TAX
-69.89
35.99
-
16.68
40.01
-58.31%
48.84
37.07
31.75%
48.69
40.41
20.49%
PAT
-168.06
116.06
-
51.39
114.42
-55.09%
137.40
107.50
27.81%
159.66
133.80
19.33%
PATM
-18.02%
14.40%
5.21%
15.13%
14.22%
14.92%
17.83%
19.36%
EPS
-1.53
1.06
-
0.47
1.04
-54.81%
1.25
1.20
4.17%
1.45
1.49
-2.68%
Gross NPA
1,176.76
464.43
153.38%
718.74
403.53
78.11%
475.63
431.13
10.32%
417.58
431.50
-3.23%
Gross NPA%
6.17
3.04
102.96%
3.88
2.81
38.08%
2.78
3.13
-11.18%
2.51
3.23
-22.29%
Net NPA
457.69
28.93
1,482.06%
159.97
21.64
639.23%
42.83
43.99
-2.64%
4.49
50.51
-91.11%
Net NPA%
2.50
0.19
1,215.79%
0.89
0.16
456.25%
0.26
0.33
-21.21%
0.03
0.39
-92.31%
CASA
20.00
18.36
8.93%
19.00
20.00
-5.00%
19.00
19.00
0.00%
18.38
21.04
-12.64%

Annual Results

Standalone Figures in Rs. Crores

Description
TTM
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Net Interest Income
2,151.40
1,885.80
1,529.03
1,060.85
839.25
728.23
Interest Earned
3,780.92
3,178.41
2,504.98
1,848.81
1,580.99
1,307.69
Interest Expended
1,629.52
1,292.61
975.95
787.96
741.74
579.46
Int. income Growth
22.56%
23.33%
44.13%
26.40%
15.25%
 
Other Income
433.39
400.40
299.31
184.83
144.15
98.56
Total Income
4,214.33
2,286.20
1,828.34
1,245.68
983.40
826.79
Total Expenditure
1,529.63
1,561.54
1,233.86
1,125.09
802.38
552.49
Employee Cost
-
736.95
570.06
429.83
326.20
262.16
% Of Sales
-
23.19%
22.76%
23.25%
20.63%
20.05%
Opt. & Establishment Exp.
-
617.25
478.61
344.80
248.44
239.74
% Of Sales
-
19.42%
19.11%
18.65%
15.71%
18.33%
Provisions
-
337.88
302.51
432.22
286.90
101.41
% Of Sales
-
10.63%
12.08%
23.38%
18.15%
7.75%
EBITDA
1,055.16
724.66
594.48
120.59
181.02
274.30
EBITDA Margin
59.54%
38.43%
38.88%
11.37%
21.57%
37.67%
Depreciation
0.00
65.27
58.66
40.88
29.58
25.41
PBT
224.72
659.39
535.81
79.71
151.44
248.88
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
Provision for Tax
44.32
161.76
131.31
18.25
39.62
62.14
Tax Rate
19.72%
24.53%
24.51%
22.90%
26.16%
24.97%
PAT
180.39
497.63
404.50
61.46
111.82
186.74
PAT before Minority Interest
180.39
497.63
404.50
61.46
111.82
186.74
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
6.98%
21.77%
22.12%
4.93%
11.37%
22.59%
PAT Growth
-61.76%
23.02%
558.15%
-45.04%
-40.12%
 
EPS
1.64
4.52
3.67
0.56
1.02
1.70

Results Balance Sheet

Standalone Figures in Rs. Crores

Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Shareholder's Funds
2,973.19
2,000.32
1,572.30
1,368.35
1,019.50
Share Capital
1,099.46
895.90
895.52
848.33
759.27
Total Reserves
1,852.13
1,086.37
670.41
520.02
260.23
Minority Interest
0.00
0.00
0.00
0.00
0.00
Deposits
17,472.60
13,710.14
10,074.18
7,507.57
5,235.21
Borrowings
1,995.08
2,349.48
2,571.93
2,607.83
2,675.04
Other Liabilities & Provisions
1,461.81
1,057.36
845.35
654.17
474.57
Total Liabilities
23,902.68
19,117.30
15,063.76
12,137.92
9,404.32
Net Block
301.29
301.49
285.61
125.28
109.72
Gross Block
538.72
482.11
413.30
213.60
168.54
Accumulated Depreciation
237.43
180.62
127.69
88.32
58.81
Total Non-Current Assets
23,383.32
18,747.88
14,734.25
11,881.80
9,219.46
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
10.28
1.83
0.92
55.90
21.70
Cash and balance with RBI
1,246.90
1,192.06
1,797.90
274.94
191.66
Balance with banks and money at call
1,780.57
1,324.31
73.75
894.88
1,422.39
Investments
3,679.47
2,859.42
2,347.92
2,313.94
1,192.39
Advances
16,364.81
13,068.77
10,228.15
8,216.86
6,281.60
Other Assets
519.36
369.42
329.52
256.13
184.86
Total Assets
23,902.68
19,117.30
15,063.77
12,137.93
9,404.32
Contingent Liabilities
76.67
63.35
56.42
62.07
19.94
Bills for collection
0.00
0.00
0.00
0.00
0.00
Adjusted Book Value
26.85
22.13
17.49
16.13
13.43

Cash Flow

Standalone Figures in Rs. Crores

Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Cash From Operating Activity
991.23
1,573.13
1,329.16
-83.46
115.21
PBT
659.39
535.81
79.71
151.44
250.41
Adjustment
426.94
390.78
479.65
311.84
136.87
Adjustments for Liabilities & Assets
-31.49
717.25
824.17
-450.44
-183.03
Refund/(Payment) of direct taxes
-63.59
-70.71
-54.38
-96.30
-89.05
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-619.80
-693.15
-738.67
-532.45
-322.14
Net Fixed Assets
-65.06
-69.72
-144.72
-79.26
Other Investment Activity
-1242.15
-1222.61
-946.67
-591.64
Cash from Financing Activity
139.67
-235.27
111.35
171.67
1,304.36
Closing Cash & Equivalent
3,027.47
2,516.36
1,871.65
1,169.82
1,614.05
Net Cash Inflow / Outflow
511.11
644.71
701.83
-444.24
1,097.42
Opening Cash & Equivalents
2,516.36
1,871.65
1,169.82
1,614.05
516.63

Financial Ratios

Standalone

Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Book Value
26.85
22.13
17.49
16.13
13.43
NIM
8.17
8.29
7.34
7.17
8.01
Yield on Advances
19.42
19.17
18.08
19.24
20.82
Yield on Investments
5.69
5.21
6.48
7.08
8.01
Cost of Liabilities
6.64
6.08
6.23
7.33
7.33
Interest Spread
12.78
13.09
11.84
11.91
13.49
ROCE
17.84%
17.13%
7.19%
10.78%
14.06%
Cost Income Ratio
56.38
54.15
58.90
55.43
57.63
Core Cost Income Ratio
56.38
54.15
58.77
56.29
57.68
Operating Costs to Assets
5.39
5.18
4.87
4.49
5.07
Loans/Deposits
0.11
0.17
0.26
0.35
0.51
Cash/Deposits
0.07
0.09
0.18
0.04
0.04
Investment/Deposits
0.21
0.21
0.23
0.31
0.23
Inc Loan/Deposits
11.42%
17.14%
25.53%
34.74%
51.10%
Credit Deposits
93.66%
95.32%
101.53%
109.45%
119.99%
Interest Expended / Interest earned
40.67%
38.96%
42.62%
46.92%
44.31%
Interest income / Total funds
13.30%
13.10%
12.27%
13.03%
13.91%
Interest Expended / Total funds
5.41%
5.11%
5.23%
6.11%
6.16%
CASA
20.50%
20.89%
22.37%
17.68%
13.50%

Annual Reports:

FY 2024
FY 2023
FY 2022
FY 2021

News Update:


  • Utkarsh Small Finance Bank reports 23% rise in total deposits in Q4FY25
    7th Apr 2025, 10:39 AM

    Its CASA deposits grew 31% to Rs 4,692 crore (provisional) as of March 31, 2025

    Read More
  • Utkarsh Small Fin. - Quarterly Results
    14th Feb 2025, 19:31 PM

    Read More
  • Utkarsh Small Finance Bank reports 34% rise in total deposits in Q3FY25
    6th Jan 2025, 17:44 PM

    Its CASA deposits grew 31.7% to Rs 3,973 crore (provisional) as of December 31, 2024

    Read More
  • Utkarsh Small Finance Bank to sell Rs 355 crore NPAs to ARC
    30th Dec 2024, 10:21 AM

    The proposed sale will be conducted at a reserve price of Rs 52 crore

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.