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Clear AllValue Research Rating
Quality Score 
0/0
Growth Score
0/0
Valuation Score
0/0
Momentum Score
0/0
Today’s Range
52 Week Range
Liquidity
Market cap
₹2,105 Cr
Revenue (TTM)
₹3,422 Cr
Net Profit (TTM)
₹-960 Cr
ROE
0.8 %
ROCE
4 %
P/E Ratio
--
P/B Ratio
0.7
Industry P/E
30.09
EV/EBITDA
6.6
Div. Yield
0 %
Debt to Equity
0.8
Book Value
₹16.4
EPS
₹-5.4
Face value
10
Shares outstanding
1,779,523,684
CFO
₹5,939.60 Cr
EBITDA
₹-67.14 Cr
Net Profit
₹1,321.56 Cr
|
Company
|
YTD
|
1 Month
|
3 Months
|
1 Year
|
3 Years
|
5 Years
|
10 Years
|
|---|---|---|---|---|---|---|---|
|
Utkarsh SF Bank
| -20.2 | -14.1 | -19.7 | -36.3 | -- | -- | -- |
|
BSE Bankex
| -9.3 | -13.0 | -8.9 | 5.8 | 10.2 | 9.5 | 12.9 |
|
Company
|
2025
|
2024
|
|---|---|---|
|
Utkarsh SF Bank
| -49.3 | -36.3 |
|
BSE Small Cap
| -6.6 | 29.0 |
|
BSE Bankex
| 15.6 | 6.1 |
5Y Avg -- 3Y Avg -- TTM --
P/E Ratio
--
--Min --Median --Max
P/B Ratio
--
--Min --Median --Max
Earnings Yield (%)
--
Earnings Yield (%) = EBIT / Enterprise value
PEG Ratio
--
Price = Price / Earnings to growth ratio
Company |
Price (₹) | Market Cap (₹ Cr) | Revenue (TTM) | Net Profit (TTM) | OPM (%) | ROE (%) | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
|
Utkarsh SF Bank
|
11.8 | 2,105.2 | 3,421.7 | -960.0 | -9.5 | -35.8 | -- | 0.7 |
| 901.6 | 67,482.4 | 17,887.8 | 2,313.1 | 11.3 | 13 | 29.2 | 3.6 | |
| 158.1 | 25,517.8 | 21,694.6 | 1,007.3 | 15.4 | 4.1 | 25.3 | 1.0 | |
| 236.7 | 1,077.8 | 1,006.9 | 135.6 | 10.2 | 9.7 | 8 | 0.8 | |
| 33.6 | 30,403.7 | 35,123.2 | 4,787.0 | 3.9 | 12.5 | 6.2 | 0.9 | |
| 56.2 | 6,402.4 | 6,601.9 | -67.5 | 2.1 | -1.1 | -- | 1.1 | |
| 23.3 | 1,200.0 | 3,435.5 | -373.1 | -5.6 | -20.2 | -- | 0.7 | |
| 347.2 | 3,657.4 | 5,138.4 | 310.1 | 3.2 | 7.4 | 11.8 | 0.9 | |
| 127.5 | 1,350.9 | 2,029.3 | 68.5 | -0.3 | 3.4 | 19.7 | 0.7 | |
| 52.5 | 10,195.4 | 6,626.4 | 494.1 | 7.3 | 8 | 20.6 | 1.6 |
IPO: Utkarsh Small Finance Bank
6 min read•By Hemkesh Khattar
Utkarsh Small Finance Bank Limited provides banking and financial services in India. The company offers savings account, and fixed, recurring, and tax saver fixed deposits; debit, credit, and other cards; home, LAP retail, personal, gold, and other... loans; life and general insurance; investment products; and remittance, bill payment, locker facility, overdraft facility against fixed deposits, ATM and branch banking, corporate net banking, and internet and mobile banking services. It also provides current, institutional, and escrow banking accounts; micro banking group, MSME, wholesale, micro banking business, commercial vehicle and construction equipment, and other loans; life, health, and general insurance; various investment products; and inward and outward remittance, bill payment, ATM, and internet and mobile banking services for business customers. The company was founded in 2009 and is based in Varanasi, India. Utkarsh Small Finance Bank Limited is a subsidiary of Utkarsh CoreInvest Limited. Read more
Incorporated
2016
Chairman
Parveen Kumar Gupta
Managing Director
Govind Singh
Headquarters
Varanasi, Uttar Pradesh
Website
Looking for more details about Utkarsh Small Finance Bank Ltd.’s IPO? Explore our IPO Details page.
Our rating system has guided millions of investors in the past 20 years.
The share price of Utkarsh Small Finance Bank Ltd is ₹11.83 (NSE) and ₹11.83 (BSE) as of 19-Mar-2026 IST. Utkarsh Small Finance Bank Ltd has given a return of -36.28% in the last 1 years.
Since, TTM earnings of Utkarsh Small Finance Bank Ltd is negative, P/E ratio is not available.
The P/B ratio of Utkarsh Small Finance Bank Ltd is 0.72 times as on 19-Mar-2026, a 18 discount to its peers’ median range of 0.88 times.
PE & PB ratio at the end of financial year.
| Year | P/E Ratio | P/B Ratio |
|---|---|---|
|
2025
|
102.37
|
0.83
|
|
2024
|
10.35
|
1.75
|
|
2023
|
0.00
|
0.00
|
|
2022
|
0.00
|
0.00
|
|
2021
|
0.00
|
0.00
|
The 52-week high and low of Utkarsh Small Finance Bank Ltd are Rs 23.77 and Rs 11.80 as of 19-Mar-2026.
Utkarsh Small Finance Bank Ltd has a market capitalisation of ₹ 2,105 Cr as on 19-Mar-2026. As per SEBI classification, it is a Small Cap company.
Before investing in Utkarsh Small Finance Bank Ltd, assess your goals, risk tolerance, and if the company aligns with your long-term plan. Carefully review its business model, financials, and valuation. Avoid making decisions based on tips or short-term trends.
₹-0.29
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