NSE:UTKARSHBNK Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest Income on Loans	33,424	37,649	31,784	25,050	18,488	15,810
Interest Paid on Deposits	19,096	17,421	12,926	9,759	7,880	7,417
Net Interest Income	15,120	20,229	18,858	15,290	10,609	8,392
Net Interest Income Growth (YoY)	-29.72%	7.27%	23.33%	44.13%	26.41%	15.25%
Gain (Loss) on Sale of Assets	2.4	2.4	-0.58	0.44	0.63	-
Gain (Loss) on Sale of Investments	96.82	96.82	-	0.5	-28.36	-41.39
Other Non-Interest Income	5,928	5,899	4,004	2,992	1,876	1,290
Total Non-Interest Income	6,028	5,998	4,003	2,993	1,848	1,248
Non-Interest Income Growth (YoY)	39.06%	49.83%	33.76%	61.93%	48.05%	26.68%
Revenues Before Loan Losses	21,148	26,227	22,861	18,283	12,457	9,641
Provision for Loan Losses	15,378	9,758	3,417	3,008	4,732	2,676
Revenue	5,770	16,469	19,444	15,276	7,725	6,965
Revenue Growth (YoY)	-67.04%	-15.30%	27.29%	97.74%	10.91%	-4.18%
Salaries and Employee Benefits	8,899	8,206	7,334	5,701	4,298	3,262
Occupancy Expenses	1,851	1,851	1,570	1,364	999.26	743.66
Selling, General & Administrative	1,253	1,253	929.57	730.87	524.04	347.84
Other Non-Interest Expense	6,365	4,848	3,055	2,104	1,516	1,097
Total Non-Interest Expense	18,368	16,158	12,889	9,900	7,337	5,451
EBT Excluding Unusual Items	-12,598	311.11	6,555	5,376	387.52	1,514
Other Unusual Items	-34.6	-34.6	38.4	-17.4	409.6	-
Pretax Income	-12,632	276.51	6,594	5,358	797.12	1,514
Income Tax Expense	-3,033	39.5	1,618	1,313	182.5	396.2
Net Income	-9,600	237.01	4,976	4,045	614.62	1,118
Net Income to Common	-9,600	237.01	4,976	4,045	614.62	1,118
Net Income Growth	-	-95.24%	23.02%	558.14%	-45.03%	-40.12%
Basic Shares Outstanding	1,214	1,101	1,038	896	878	765
Diluted Shares Outstanding	1,214	1,101	1,048	898	880	765
Shares Change (YoY)	11.03%	5.03%	16.75%	2.00%	15.04%	2.16%
EPS (Basic)	-7.90	0.22	4.79	4.52	0.70	1.46
EPS (Diluted)	-7.90	0.22	4.75	4.51	0.70	1.46
EPS Growth	-	-95.47%	5.32%	544.35%	-52.06%	-41.37%
Dividend Per Share	-	-	0.500	-	-	-
Effective Tax Rate	-	14.29%	24.53%	24.51%	22.89%	26.16%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.