Utkarsh SF Bank Financials
NSE: UTKARSHBNK | BSE: 543942
₹14.55
₹0.03
(0.21%)
As on 15-Sep-2026 09:24IST
Market cap
₹2,584 Cr
Revenue (TTM)
₹3,381 Cr
P/E Ratio
--
P/B Ratio
1
Div. Yield
0 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Interest Earned
|
3,381.44
|
3,378.78
|
3,764.93
|
3,178.41
|
2,504.98
|
1,848.81
|
|
|
|
|
|
|
Other Income
|
412.03
|
430.97
|
599.83
|
400.34
|
299.31
|
184.83
|
|
|
|
|
|
|
Total Income
|
3,793.47
|
3,809.75
|
4,364.76
|
3,578.75
|
2,804.29
|
2,033.65
|
|
|
|
|
|
|
Interest Expended
|
1,884.43
|
1,902.04
|
1,742.06
|
1,292.61
|
975.95
|
787.96
|
|
|
|
|
|
|
Operating Expenses
|
1,880.76
|
1,851.36
|
1,615.77
|
1,288.88
|
990.01
|
733.75
|
|
|
|
|
|
|
Operating Profit before Prov. & Cont.
|
28.28
|
56.35
|
1,006.93
|
997.27
|
838.32
|
511.94
|
|
|
|
|
|
|
Provisions and Contingencies
|
1,261.43
|
1,562.97
|
979.28
|
337.88
|
302.51
|
432.22
|
|
|
|
|
|
|
Profit Before Tax
|
-1,233.16
|
-1,506.62
|
27.65
|
659.39
|
535.81
|
79.71
|
|
|
|
|
|
|
Taxes
|
-287.74
|
-355.64
|
3.95
|
161.76
|
131.31
|
18.25
|
|
|
|
|
|
|
Profit after Tax
|
-945.42
|
-1,150.98
|
23.70
|
497.63
|
404.50
|
61.46
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Share of Associate
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Consolidated Profit
|
-945.42
|
-1,150.98
|
23.70
|
497.63
|
404.50
|
61.46
|
|
|
|
|
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
2,775.60
|
2,775.60
|
2,974.50
|
2,973.19
|
2,000.32
|
1,572.30
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Deposits
|
21,653.98
|
21,653.98
|
21,565.70
|
17,472.60
|
13,710.14
|
10,074.18
|
|
|
|
|
|
|
Borrowings
|
2,829.44
|
2,829.44
|
2,354.77
|
1,995.08
|
2,349.48
|
2,571.94
|
|
|
|
|
|
|
Other Liabilities & Provisions
|
1,610.05
|
1,610.05
|
1,232.47
|
1,461.81
|
1,057.36
|
845.36
|
|
|
|
|
|
|
Total Liabilities
|
28,869.07
|
28,869.07
|
28,127.44
|
23,902.68
|
19,117.29
|
15,063.77
|
|
|
|
|
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash and Balance with Reserve Bank of India
|
1,692.15
|
1,692.14
|
2,638.28
|
1,246.90
|
1,192.06
|
1,797.90
|
|
|
|
|
|
|
Balances with Banks and Money at Call
|
629.08
|
629.08
|
798.34
|
1,780.57
|
1,324.31
|
73.75
|
|
|
|
|
|
|
Investments
|
6,914.05
|
6,914.05
|
4,957.89
|
3,679.47
|
2,859.42
|
2,347.92
|
|
|
|
|
|
|
Advances
|
18,069.59
|
18,069.59
|
18,716.48
|
16,364.81
|
13,068.77
|
10,228.15
|
|
|
|
|
|
|
Net Block
|
457.83
|
332.70
|
323.92
|
301.29
|
301.49
|
285.61
|
|
|
|
|
|
|
Other Assets
|
1,106.38
|
1,106.38
|
629.53
|
519.36
|
369.42
|
329.52
|
|
|
|
|
|
|
Miscellaneous Exp. Not Written Off
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Total Assets
|
28,869.07
|
28,869.07
|
28,127.44
|
23,902.68
|
19,117.29
|
15,063.77
|
|
|
|
|
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
780.69
|
875.58
|
991.23
|
1,573.13
|
1,329.16
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
-3,308.58
|
-776.88
|
-619.80
|
-693.15
|
-738.67
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
1,412.49
|
310.45
|
139.67
|
-235.27
|
111.35
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
-1,115.39
|
409.15
|
511.11
|
644.71
|
701.83
|
|
|
|
|
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
-5.31
|
-6.47
|
0.18
|
3.84
|
3.83
|
0.58
|
|
|
|
|
|
|
Cash EPS (₹)
|
-5.31
|
-6.03
|
0.77
|
4.35
|
4.39
|
0.97
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
15.10
|
15.29
|
22.59
|
22.79
|
18.79
|
14.85
|
|
|
|
|
|
|
Dividend per Share (₹)
|
--
|
--
|
--
|
0.42
|
--
|
--
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
4.39
|
7.95
|
9.02
|
17.56
|
14.84
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
-0.66
|
-1.49
|
4.19
|
12.33
|
8.71
|
|
|
|
|
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Yield on Advances
|
--
|
18.70
|
20.12
|
19.42
|
19.17
|
18.08
|
|
|
|
|
|
|
Yield on Investments
|
--
|
6.41
|
5.85
|
5.69
|
5.21
|
6.48
|
|
|
|
|
|
|
Interest Spread
|
--
|
10.93
|
12.83
|
12.78
|
13.09
|
11.84
|
|
|
|
|
|
|
NIM (%)
|
6.10
|
5.41
|
7.46
|
8.17
|
8.29
|
7.34
|
|
|
|
|
|
|
ROE (%)
|
-36.58
|
-40.73
|
0.81
|
20.17
|
22.80
|
4.19
|
|
|
|
|
|
|
ROA (%)
|
-3.32
|
-4.04
|
0.09
|
2.31
|
2.37
|
0.45
|
|
|
|
|
|
|
Cost to Income Ratio
|
--
|
97.05
|
61.61
|
56.38
|
54.15
|
58.90
|
|
|
|
|
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
-8.11
|
-10.26
|
18.45
|
26.88
|
35.49
|
16.94
|
|
|
|
|
|
|
EBIT Growth (%)
|
-348.61
|
-94.40
|
0.97
|
18.96
|
63.76
|
16.79
|
|
|
|
|
|
|
Net Profit Growth (%)
|
-19.15
|
-4,956.35
|
-95.24
|
23.02
|
558.13
|
-45.03
|
|
|
|
|
|
|
EPS Growth (%)
|
-121.91
|
-3,642.11
|
-95.25
|
0.25
|
557.85
|
-47.93
|
|
|
|
|
|
|
Book Value Growth (%)
|
-42.22
|
-7.16
|
-0.70
|
48.90
|
26.59
|
14.44
|
|
|
|
|
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
-2.73
|
--
|
86.92
|
10.35
|
--
|
--
|
|
|
|
|
|
|
Price / Book Value
|
0.96
|
0.67
|
0.83
|
1.75
|
--
|
--
|
|
|
|
|
|
|
Dividend Yield (%)
|
--
|
--
|
--
|
1.07
|
--
|
--
|
|
|
|
|
|
|
EV/EBITDA
|
131.61
|
82.49
|
4.75
|
7.17
|
3.87
|
6.77
|
|
|
|
|
|
|
Close Price (₹)
|
14.29
|
10.22
|
18.70
|
39.90
|
--
|
--
|
|
|
|
|
|
|
High Price (₹)
|
22.03
|
23.77
|
52.61
|
57.98
|
--
|
--
|
|
|
|
|
|
|
Low Price (₹)
|
10.12
|
10.12
|
17.98
|
21.22
|
--
|
--
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
2,583.87
|
1,818.80
|
2,425.74
|
5,152.21
|
--
|
--
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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