Utkarsh Small Finance Bank Limited (NSE:UTKARSHBNK)

NSE:UTKARSHBNK Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Cash & Equivalents	18,525	7,281	8,776	18,596	14,716	1,570
Investment Securities	62,631	63,865	48,077	35,637	27,443	21,951
Total Investments	62,631	63,865	48,077	35,637	27,443	21,951
Gross Loans	-	180,696	187,165	163,648	130,688	102,281
Net Loans	-	180,696	187,165	163,648	130,688	102,281
Property, Plant & Equipment	4,550	4,578	3,869	3,116	3,033	2,865
Accrued Interest Receivable	-	2,747	1,989	1,649	1,249	931.85
Restricted Cash	-	15,931	25,590	11,679	10,447	17,146
Other Current Assets	-	30.66	588.63	83.48	-	-
Long-Term Deferred Tax Assets	-	4,732	1,173	1,051	870.95	926.63
Other Long-Term Assets	12,171	8,830	4,047	3,568	2,725	2,965
Total Assets	290,900	288,691	281,274	239,027	191,173	150,638

Liabilities

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Interest Bearing Deposits	238,694	208,578	209,214	169,157	133,261	97,117
Non-Interest Bearing Deposits	-	7,962	6,443	5,569	3,840	3,625
Total Deposits	238,694	216,540	215,657	174,726	137,101	100,742
Short-Term Borrowings	-	5,111	-	-	-	-
Current Portion of Leases	-	-	14	13.7	47.2	41.2
Accrued Interest Payable	-	10,325	7,362	5,996	4,079	3,822
Other Current Liabilities	-	1,387	1,297	1,840	1,472	436.45
Long-Term Debt	19,385	23,184	23,488	19,893	23,400	25,603
Long-Term Leases	-	-	46.02	43.99	47.65	75.05
Other Long-Term Liabilities	6,058	4,389	3,666	6,783	5,023	4,195
Total Liabilities	264,136	260,935	251,529	209,295	171,170	134,915

Shareholders' Equity

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Common Stock	17,795	17,795	11,016	10,995	8,959	8,955
Additional Paid-In Capital	-	8,208	5,609	5,543	2,861	2,852
Retained Earnings	-	768.29	12,508	12,888	7,912	3,762
Comprehensive Income & Other	8,968	984.16	611.28	306.18	270.63	153.83
Shareholders' Equity	26,763	27,756	29,745	29,732	20,003	15,723
Total Liabilities & Equity	290,900	288,691	281,274	239,027	191,173	150,638

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Total Debt	19,385	28,294	23,548	19,951	23,495	25,719
Net Cash (Debt)	-859.9	-21,013	-14,772	-1,355	-8,778	-24,149
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-0.50	-15.29	-13.42	-1.29	-9.78	-27.44
Filing Date Shares Outstanding	1,791	1,780	1,102	1,099	895.9	895.52
Total Common Shares Outstanding	1,791	1,780	1,102	1,099	895.9	895.52
Book Value Per Share	14.94	15.60	27.00	27.04	22.33	17.56
Tangible Book Value	26,763	27,756	29,745	29,732	20,003	15,723
Tangible Book Value Per Share	14.94	15.60	27.00	27.04	22.33	17.56

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 10, 2026

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