Utkarsh Small Finance Bank (UTKARSHBNK.NS) Stock Price

Utkarsh Small Finance Bank Price

CLOSED
12.84
​
Market closed

Over the last 9 years Utkarsh Small Finance Bank grew revenue by 36.1% annually, reaching 38.10 B INR. Earnings per share have declined at 18.6% per year over the last 8 years. For Utkarsh Small Finance Bank, the net margin of -30.2% is down versus 3.0% a few years ago. At today's price the dividend yield works out to roughly 3.89%. The payout ratio is around 11% of earnings. The consensus 12-month price target for Utkarsh Small Finance Bank is 22.48 INR, about 75.1% above where the stock trades today. Of 8 analysts, 7 rate the stock a buy — an overall Buy consensus.

Utkarsh Small Finance Bank stock price

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Utkarsh Small Finance Bank business model & stock analysis

Utkarsh Small Finance Bank Ltd generates revenue through its asset and liability products, primarily serving unbanked and underbanked areas. The Corporate/Wholesale Banking segment provides lending, deposits, and services to corporate clients, while the Retail Banking segment offers similar services to individual customers via a branch network. The Treasury segment manages SLR and non-SLR investments, reserve requirements, and resource mobilization from other banks and financial institutions. These segments collectively drive the bank's income from financial services. The bank's product portfolio focuses on advancing assets to customers in underserved regions and sourcing deposits from various geographical areas. Corporate/Wholesale Banking targets businesses with tailored financial solutions, and Retail Banking serves individual clients through physical branches. Treasury operations optimize liquidity and investment strategies to support the bank's overall financial performance. Utkarsh Small Finance Bank Ltd's revenue streams are derived from interest on loans, deposit services, and treasury activities. The Corporate/Wholesale segment emphasizes corporate lending and deposit services, while Retail Banking concentrates on consumer banking needs. Treasury activities ensure compliance with regulatory requirements and enhance the bank's financial stability through strategic investments.

Frequently asked questions about Utkarsh Small Finance Bank

Analysts currently set an average price target of 22.48 INR for the Utkarsh Small Finance Bank stock (median: 22.48 INR), implying +75.1 % versus the latest price. The consensus is based on 8 analyst ratings.

8 analysts currently rate the Utkarsh Small Finance Bank stock: 7 recommend buying, 1 holding and 0 selling.

Converted at the current exchange rate, the Utkarsh Small Finance Bank share trades at 0.12 EUR (12.84 INR).

The revenue of Utkarsh Small Finance Bank is 38.10 B INR. This figure is based on current financial data and reflects the company's business performance.

The profit of Utkarsh Small Finance Bank is -11.51 B INR. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Utkarsh Small Finance Bank is currently -1.99. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Utkarsh Small Finance Bank stock.

The price-to-sales ratio (P/S) of Utkarsh Small Finance Bank is currently 0.60. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Utkarsh Small Finance Bank stock.

The Eulerpool Quality Score for Utkarsh Small Finance Bank is 2/10.

The ISIN of Utkarsh Small Finance Bank is INE735W01017. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The ticker of Utkarsh Small Finance Bank is UTKARSHBNK.NS. The ticker symbol is used to trade Utkarsh Small Finance Bank shares on the stock exchange.

Fair ValueTerminal
13.35 INR
Over-/UndervaluationTerminal
Fairly valued
Sector
Industry
Banks
Number of shares
Employees
Revenue per Employee
2.47 M INR
Revenue growth Ø5 years
EBIT growth Ø5 years
Net Income growth Ø5 years
Website utkarsh.bank
Country
Currency
INR
Initial public offering
Jul 21, 2023
ISIN
INE735W01017
Cusip
Y9317T108
Market capitalization
19.62 B INRLarge Cap
52-Week Range
PEG
-0.04
P/E ratio
P/Ee 2027
12.84
P/Ee 2028
5.58
P/Ee 2029
3.67
P/S
P/Se
0.88
EV/EBIT
—
P/B Ratio
0.71
ROE (Return on Equity)
ROA (Return on Assets)
ROCE (Return on Capital Employed)
ROIC (Return on Invested Capital)
-20.53 %
Dividend
Dividend yield
0.00 %
Est. Dividend Yield
3.89 %
Payout Ratio
11.04 %
Dividend growth Ø5Y
—
Dividend payments per year
1
Dividend paid since
0 years
Dividend not reduced since
0 years
Dividend increased since
0 years
Dividend withholding tax
20.00 %
Last updated Oct 21, 2026, 8:40 PM

Utkarsh Small Finance Bank Peer Group

Utkarsh Small Finance Bank FIGI

UTKARSHB:IN · BBG00LD5Q6N0UTKARSHB:IB · BBG01HDNT6P4UTKARSHB:IS · BBG01HDNT6R2