Utkarsh Small Finance Bank Limited (NSE:UTKARSHBNK)

India · Delayed Price · Currency is INR

14.69

+0.38 (2.66%)

Jul 31, 2026, 3:30 PM IST

NSE:UTKARSHBNK Financials Overview

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

Millions INR. Fiscal year is Apr - Mar.

Revenue & Profits

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Revenue	6,469	3,441	16,469	19,444	15,276	7,725
Revenue Growth	-47.11%	-79.11%	-15.30%	27.29%	97.74%	10.91%
Net Income	-9,454	-11,510	237.01	4,976	4,045	614.62
Earnings Per Share	-6.12	-8.37	0.22	4.75	4.51	0.70
EPS Growth	-	-	-95.47%	5.32%	544.35%	-52.06%

Revenue by Segment

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Treasury	5,721	4,376	2,983	2,328	2,031
Wholesale Banking	2,894	2,663	2,183	1,461	785.6
Retail Banking	29,483	36,608	30,622	24,254	17,520
Total	38,098	43,648	35,788	28,043	20,336

Cash & Debt

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Cash & Investments	7,281	7,281	8,776	18,596	14,716	1,570
Total Debt	28,294	28,294	23,548	19,951	23,495	25,719
Net Cash (Debt)	-21,013	-21,013	-14,772	-1,355	-8,778	-24,149
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-13.60	-15.29	-13.42	-1.29	-9.78	-27.44

Cash Flow & CapEx

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Operating Cash Flow	-	6,924	-32,175	-27,712	-20,628	-12,375
Capital Expenditures	-	-1,495	-1,590	-704.13	-758.47	-1,467
Free Cash Flow	-	5,429	-33,765	-28,416	-21,387	-13,841
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Profit Margin	-146.14%	-334.53%	1.44%	25.59%	26.48%	7.96%
FCF Margin	-	157.81%	-205.02%	-146.14%	-140.00%	-179.17%

Dividends

Fiscal Year	FY 2024
Period Ending	Mar '24 Mar 31, 2024
Dividend Per Share	0.500
Dividend Per Share Growth	-
Dividend Yield	1.27%

Valuation

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug '26 Aug 2, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
PE Ratio	-	-	102.40	10.38	-	-
Forward PE	10.84	16.30	29.37	8.70	-	-
P/FCF Ratio	4.79	3.35	-	-	-	-
PS Ratio	4.02	5.29	1.47	2.66	-	-