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Utkarsh Small Finance Bank LimitedUTKARSHBNKBank / NBFC

Banks - Private Sector Latest results: Jun 2026 14 quarters of data
₹13.27
MCap ₹2,361 Cr
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹884 Cr
Interest Earned · Jun 2026
+0.3% YoY
₹64 Cr
Operating Profit · Jun 2026
₹-34 Cr
Net Profit · Jun 2026
+85.8% YoY
₹-0.19
EPS · Jun 2026
+85.9% YoY
6.09%
Gross NPA % · Jun 2026
2.86%
Net NPA % · Jun 2026

📝 Utkarsh Small Finance Bank Limited — results explained

Quarter ended June 2026 (Q1 FY27)

Utkarsh Small Finance Bank Limited reported total income of ₹1,002 crore for the quarter ended June 2026 (Q1 FY27), down 1.6% from ₹1,019 crore in the same quarter last year, and up 5.3% sequentially over the March 2026 quarter.

Of this, interest earned contributed ₹884 crore and other income ₹119 crore. Net interest income (interest earned minus interest expended of ₹461 crore) worked out to ₹422 crore.

The company reported a net loss of ₹34 crore, against a net loss of ₹239 crore in the same quarter last year. Earnings per share (EPS) came in at ₹-0.19.

On asset quality, gross NPA stood at 6.09% and net NPA at 2.86% (gross NPA was 11.42% a year ago); the capital adequacy ratio was 17.44%.

Full year and trailing twelve months

For the full year FY26, Utkarsh Small Finance Bank Limited posted total income of ₹3,810 crore, a decline of 12.7% over FY25, with a net loss of ₹1,150 crore.

On a trailing-twelve-month (TTM) basis, total income stands at ₹3,793 crore with a net loss of ₹945 crore.

Valuation snapshot

At the current price of ₹13.27, UTKARSHBNK has a market capitalisation of ₹2,361 crore.

Within the Banks - Private Sector industry, it is the 9th-largest of the 14 companies we track by market value.

Shareholding pattern

As of Sep 2026, promoters held 42.67%, foreign institutional investors (FIIs) 10.44%, domestic institutional investors (DIIs) 9.17%, public shareholders 37.73% of Utkarsh Small Finance Bank Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹2,361 Cr
Current Price ?
₹13.3
P/E ?
N/A
Industry P/E ?
9.00
P/B ?
0.87
P/S ?
0.62
P/FCF ?
3.70
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
N/A
Earnings Yield ?
-40.0%
Dividend Yield ?
0.00%
Profitability & Returns
Total Income (TTM) ?
₹3,793 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹-945 Cr
EPS (TTM) ?
₹-5.31
ROCE ?
N/A
ROE ?
-34.7%
ROA ?
-3.3%
Gross NPA % ?
6.09%
Net NPA % ?
2.86%
Growth
Total Income — latest qtr ?
₹1,002 Cr
PAT — latest qtr ?
₹-34 Cr
YoY qtr sales growth ?
-1.6%
YoY qtr profit growth ?
85.8%
Sales growth (3y) ?
10%
Sales growth (5y) ?
16%
Profit growth (3y) ?
N/A
Profit growth (5y) ?
N/A
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
42.67%
Change in promoter holding ?
-26.25%
Pledged percentage ?
N/A
Market
Return 3 months ?
-11.5%
Return 6 months ?
-3.8%

🗓️ Quarterly results (14 quarters · ₹ Cr)

same fiscal quarter as Jun bestweakest per row · for costs (interest, NPAs) low is best
Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 YoY % QoQ %
Interest Earned 691720756806896966987932880881840821837884 +0.3% +5.6%
Other Income 6992105831211051031052871389781115119 -13.9% +3.3%
Total Income 7608128618891,0171,0711,0901,0371,1671,0199379029521,002 -1.6% +5.3%
Interest Expended 282298315324356393429452468479490473461461 -3.7% +0.1%
Operating Profit —————————————64 — —
Provisions —————————————109 — —
Profit Before Tax 17414515415220818668-23811-319-465-491-232-45 +85.8% +80.4%
Net Profit 13410811411616013751-1683-239-348-375-188-34 +85.8% +82.0%
EPS 0.920.740.650.650.900.770.29-0.940.02-1.35-1.96-2.11-1.06-0.19 +85.9% +82.1%
Gross NPA % 3.23% 3.13% 2.81% 3.04% 2.51% 2.78% 3.88% 6.17% 9.43% 11.42% 12.42% 11.05% 7.71% 6.09% — —
Net NPA % 0.39% 0.33% 0.16% 0.19% 0.03% 0.26% 0.89% 2.50% 4.84% 5.00% 5.02% 4.48% 3.29% 2.86% — —
Capital Adequacy Ratio — — — — — — — — — — — — — 17.44% — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹3,765 Cr ₹3,379 Cr ₹3,382 Cr -10.3%
Other Income ₹600 Cr ₹431 Cr ₹412 Cr -28.2%
Total Income ₹4,365 Cr ₹3,810 Cr ₹3,793 Cr -12.7%
Interest Expended ₹1,742 Cr ₹1,903 Cr ₹1,885 Cr +9.2%
Net Interest Income ₹2,023 Cr ₹1,476 Cr ₹1,496 Cr -27.0%
Operating Profit — — ₹64 Cr —
Provisions — — ₹109 Cr —
Profit Before Tax ₹27 Cr ₹-1,507 Cr ₹-1,233 Cr -5681.5%
Tax — — ₹-11 Cr —
Net Profit ₹23 Cr ₹-1,150 Cr ₹-945 Cr -5100.0%
EPS ₹0.14 ₹-6.48 ₹-5.32 -4728.6%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 8961,0991,1021,780 +61.5%
Reserves 1,1041,8741,873941 -49.8%
Deposits 13,71017,47321,56621,654 +0.4%
Borrowing 2,3491,9952,3552,829 +20.1%
Other Liabilities 1,0571,4621,2321,665 +35.1%
Total Liabilities 19,11723,90328,12728,869 +2.6%
Fixed Assets 301301324458 +41.4%
CWIP 210630 -100.0%
Investments 2,8593,6794,9586,914 +39.5%
Other Assets 15,95519,91222,78321,497 -5.6%
Total Assets 19,11723,90328,12728,869 +2.6%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity 1,573991876781 -10.8%
Cash from Investing Activity -693-620-777-3,309 -325.9%
Cash from Financing Activity -2351403101,412 +355.5%
Net Cash Flow 645511409-1,115 -372.6%
Free Cash Flow 1,498921718638 -11.1%
CFO/OP 129%65%61%-2,205% -3714.8%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 23%20%1%-40% -4100.0%

👥 Shareholding (latest 6 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026 % Chg
Promoters 68.92%68.92%42.67%42.67%42.67%42.67% +0.0%
FIIs 1.85%1.68%11.80%11.49%11.90%10.44% -12.3%
DIIs 2.78%2.39%9.74%9.56%9.55%9.17% -4.0%
Government 0.01%0.01%0.03%0.02%—— —
Public 26.43%27.00%35.76%36.27%35.88%37.73% +5.2%
No. of Shareholders 2,48,3112,49,3722,76,7422,82,9932,79,2332,76,844 -0.9%

⚖️ Peer comparison

Industry: Banks - Private Sector · 14 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 TMB Tamilnad Mercantile ₹888.35 14,067 9.7 6,979 1,446 8.8% 20.7% 9.0% 13.3% 17.6% 34.9%
2 SOUTHBANK South Indian ₹48.42 12,684 8.0 12,220 1,585 10.8% 13.0% 5.6% 11.7% 11.7% 21.1%
3 UJJIVANSFB Ujjivan Small ₹62.47 12,200 10.6 8,962 1,150 12.7% 12.8% 11.6% -4.5% 26.4% 199.2%
4 KTKBANK Karnataka Bank ₹313.05 11,839 8.2 10,438 1,437 5.6% 13.8% 0.3% 2.9% 4.5% 43.5%
5 EQUITASBNK Equitas Small ₹73.50 8,409 16.4 8,141 511 5.0% 6.3% 8.9% -29.9% 14.1% 182.0%
6 DCBBANK DCB Bank ₹219.94 7,084 8.9 8,390 788 4.1% 9.4% 14.4% 19.2% 6.3% 35.7%
7 JSFB Jana Small ₹529.60 5,604 14.7 6,623 380 5.0% 5.7% 17.0% -34.9% 14.9% 52.2%
8 CSBBANK CSB Bank ₹328.75 5,572 9.0 5,681 634 0.0% 11.2% 24.4% 6.9% 10.6% 6.3%
9 UTKARSHBNK Utkarsh Small ₹14.86 2,644 — 3,793 -945 1.7% -24.9% -12.7% -5100.0% -1.6% 85.8%
10 ESAFSFB ESAF Small ₹38.96 2,011 — 4,670 -5 7.5% -0.1% 1.8% 68.1% 31.6% 198.9%
11 SURYODAY Suryoday Small ₹146.72 1,560 8.1 2,687 192 5.2% 7.2% 16.1% 33.3% 27.5% 114.8%
12 CAPITALSFB Capital Small ₹273.25 1,242 8.2 1,190 150 5.4% 12.6% 15.2% 7.6% 16.4% 29.1%
13 DHANBANK Dhanlaxmi Bank ₹29.42 1,161 10.0 1,871 115 2.7% 6.1% 20.4% 52.2% 19.0% 107.6%
14 FINOPB Fino Payments ₹136.05 1,132 54.2 1,437 21 -1.0% 1.5% -14.3% -43.3% -32.3% -177.3%
❓ Frequently asked questions
What was Utkarsh Small Finance Bank Limited's total income in Q1 FY27?
Utkarsh Small Finance Bank Limited reported total income of ₹1,002 crore for the quarter ended June 2026 (Q1 FY27), down 1.6% from ₹1,019 crore in the same quarter last year, and up 5.3% sequentially over the March 2026 quarter.
What was Utkarsh Small Finance Bank Limited's net profit in Q1 FY27?
The company reported a net loss of ₹34 crore, against a net loss of ₹239 crore in the same quarter last year. Earnings per share (EPS) came in at ₹-0.19.
What is UTKARSHBNK's market capitalisation and P/E ratio?
At the current price of ₹13.27, UTKARSHBNK has a market capitalisation of ₹2,361 crore.
What are Utkarsh Small Finance Bank Limited's NPA levels?
On asset quality, gross NPA stood at 6.09% and net NPA at 2.86% (gross NPA was 11.42% a year ago); the capital adequacy ratio was 17.44%.
Who owns Utkarsh Small Finance Bank Limited? (shareholding pattern)
As of Sep 2026, promoters held 42.67%, foreign institutional investors (FIIs) 10.44%, domestic institutional investors (DIIs) 9.17%, public shareholders 37.73% of Utkarsh Small Finance Bank Limited.
TTM ends 2026-06-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI