Valuation: Utkarsh Small Finance Bank Limited

Market Cap 2.67TCr 28Cr 24Cr 22Cr 21Cr 39Cr 40Cr 267.37Cr 104.9Cr 1.31TCr 104.24Cr 101.94Cr 4.49TCr P/E 2027 *
14.3x
P/E 2028 * 6.66x
Enterprise Value 2.67TCr 28Cr 24Cr 22Cr 21Cr 39Cr 40Cr 267.37Cr 104.9Cr 1.31TCr 104.24Cr 101.94Cr 4.49TCr EV / Sales 2027 *
0.98x
EV / Sales 2028 * 0.82x
Free-Float
47.28%
Yield 2027 *
-
Yield 2028 * -
20/06 Utkarsh Small Finance Bank Limited Announces Appointment of Sarjukumar Pravin Simaria as Whole Time Director, Effective June 22, 2026 CI
20/06 Utkarsh Small Finance Bank Limited Announces Relinquishment of Sarjukumar Pravin Simaria as Chief Financial Officer, Effective June 20, 2026 CI
20/06 Utkarsh Small Finance Bank Limited Announces Issuance of Unsecured, Subordinated, Redeemable, Tier II Bonds in the Form of Non- Convertible Debentures Up to INR 5,000 Million CI
11/05 Utkarsh Small Finance Bank Limited, Q4 2026 Earnings Call, May 11, 2026
09/05 Utkarsh Small Finance Bank Limited Reports Earnings Results for the Fourth Quarter and Full Year Ended March 31, 2026 CI
31/03 Asset Reconstruction Company Limited agreed to acquire Pool 1 - Portfolio of Unsecured Stressed MFI Loans from Utkarsh Small Finance Bank Limited for INR 1.3 billion. CI
26/03 Asset Reconstruction Company Limited completed the acquisition of Pool 1 - Portfolio of Unsecured Stressed MFI Loans from Utkarsh Small Finance Bank Limited. CI
02/03 Utkarsh Small Finance Bank Limited Announces Cessation of Muralidharan Rajamani as Non-Executive Non-Independent Director, Effective March 2, 2026 CI
27/02 Utkarsh Small Finance Bank Limited Announces Resignation of Chief Human Resource Officer, Effective February 27, 2026 CI
11/02 Jio Financial Services Limited Launches Fixed Deposits CI
02/02 Utkarsh Small Finance Bank Limited, Q3 2026 Earnings Call, Feb 02, 2026
02/02 Utkarsh Small Finance Bank Limited Reports Earnings Results for the Third Quarter and Nine Months Ended December 31, 2025 CI
02/02 Utkarsh Small Finance Bank's Q3 net loss after tax at 3.75 billion rupees RE
1 day+0.73%
1 week+7.71%
Current month+5.60%
1 month+12.03%
3 months+12.11%
6 months+3.43%
Current year+1.82%
1 week 14.02
Extreme 14.02
15.7
1 month 13.41
Extreme 13.41
16.2
Current year 10.12
Extreme 10.12
16.2
1 year 10.12
Extreme 10.12
24
3 years 10.12
Extreme 10.12
68.3
5 years 10.12
Extreme 10.12
68.3
10 years 10.12
Extreme 10.12
68.3
Manager TitleAgeSince
Chief Executive Officer 61 -
Compliance Officer - 31/12/2025
Chief Tech/Sci/R&D Officer - 01/04/2022
Director TitleAgeSince
Director/Board Member 61 21/09/2018
Director/Board Member 58 29/04/2020
Director/Board Member 66 02/03/2021
Change 5-day change 1-year change 3-year change Capi.($)
+0.67%+7.71%-36.22% - 28Cr
+2.50%+1.08%+18.77%+128.94% 91TCr
+1.88%+1.27%+28.79%+108.24% 43TCr
+0.15%+0.15%+11.06%+90.78% 37TCr
+1.92%+2.52%+61.43%+143.03% 34TCr
+1.04%+1.37%+66.61%+134.90% 30TCr
+0.24%-0.97%-2.61%+91.14% 28TCr
-2.71%-2.17%+2.23%+95.80% 26TCr
0.00%-0.39%+8.10%+83.70% 26TCr
+1.83%+6.73%+83.34%+238.32% 25TCr
Average +0.75%+2.94%+24.15%+123.87% 34.06TCr
Weighted average by Cap. +1.15%+2.19%+28.52%+123.00%

Financials

2027 *2028 *
Net sales 2.71TCr 28Cr 25Cr 23Cr 21Cr 40Cr 40Cr 271.8Cr 106.64Cr 1.33TCr 105.97Cr 103.63Cr 4.57TCr 3.25TCr 34Cr 30Cr 27Cr 25Cr 48Cr 48Cr 325.77Cr 127.82Cr 1.59TCr 127.01Cr 124.21Cr 5.48TCr
Net income 197.7Cr 2.06Cr 1.8Cr 1.66Cr 1.54Cr 2.89Cr 2.95Cr 20Cr 7.78Cr 97Cr 7.73Cr 7.56Cr 333.33Cr 437.4Cr 4.55Cr 3.98Cr 3.68Cr 3.4Cr 6.4Cr 6.52Cr 44Cr 17Cr 214.18Cr 17Cr 17Cr 737.48Cr
Net Debt - -
Logo Utkarsh Small Finance Bank Limited
Utkarsh Small Finance Bank Limited (the Bank) is an India-based small finance bank. The Bank is engaged in providing banking and financial services with a focus on providing microfinance to the underserved and unserved sections of the country. Its lending activities are primarily focused on rural and semi-urban locations of the country, while its other services are spread across the country. Its segments include Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. The Corporate/Wholesale Banking segment includes lending, deposits, and other banking services provided to corporate customers of the Bank. The Retail Banking segment includes lending, deposits, and other banking services provided to retail customers of the Bank through a branch network. The Treasury segment includes dealings in statutory liquidity ratio (SLR) and non-SLR investments, maintenance of reserve requirements, and resource mobilization from other banks and financial institutions.
Employees
19,779
Sector
Banks
Date Price Change Volume
15/26/15 15.08 +0.67% 19,25,538
14/26/14 ₹14.98 -1.45% 1,55,64,560
13/26/13 ₹15.20 +3.83% 1,10,66,780
10/26/10 ₹14.64 +3.76% 69,82,653
09/26/09 ₹14.11 +0.71% 23,37,375
Trader
Investor
-
Global
-
Quality
-
ESG MSCI
-
Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
1
Last Close Price
14.98INR
Average target price
20.00INR
Spread / Average Target
+33.51%

Annual profits - Rate of surprise

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