Utkarsh SF Bank Peer Comparison

NSE: UTKARSHBNK | BSE: 543942

₹11.90

₹0.16 (1.36%)

As on 29-Oct-2026IST

Market cap

₹2,119 Cr

Revenue (TTM)

₹3,381 Cr

P/E Ratio

P/B Ratio

0.8

Div. Yield

0 %

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	Utkarsh SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Market cap (₹ Cr)	2,119	10,937	6,520	4,165	2,230
Interest Income (₹ Cr)	3,381	7,809	7,554	5,930	4,162
Net Interest Income (₹ Cr)	1,497.01	4,529.12	3,887.05	3,011.33	2,177.41
NIM (%)	6.10	8.40	--	7.50	--
RoA (%)	-3.32	2.05	1.14	1.03	0.91
Price to Earnings	--	9.52	9.26	8.77	8.23
Price-To-Book	0.79	1.47	1.04	0.87	1.20

Income Statement (₹ Cr)

	Utkarsh SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Interest Earned	3,381.44	7,808.56	7,554.42	5,930.03	4,161.61
Other Income	412.03	1,153.77	1,099.53	966.13	932.33
Total Income	3,793.47	8,962.33	8,653.95	6,896.16	5,093.94
Interest Expended	1,884.43	3,279.44	3,667.37	2,918.70	1,984.20
Operating Expenses	1,880.76	3,586.74	3,469.84	2,649.39	1,904.56
Operating Profit before Prov. & Cont.	56.35	1,710.13	1,264.97	1,165.66	711.97
Provisions and Contingencies	1,261.43	569.48	593.21	852.96	847.44
Profit Before Tax	-1,506.62	911.03	128.13	326.43	-228.40
Taxes	-287.74	377.39	219.17	0.00	86.86
Profit after Tax	-945.42	1,149.28	704.36	475.11	270.88
Minority Interest	0.00	0.00	0.00	0.00	0.00
Share of Associate	0.00	0.00	0.00	0.00	0.00
Consolidated Profit	-945.42	1,149.28	704.36	475.11	270.88

	Utkarsh SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Shareholder's Funds	2,775.60	7,531.91	6,553.15	4,920.65	2,027.20
Minority Interest	0.00	0.00	0.00	0.00	0.00
Deposits	21,653.98	50,643.01	52,482.72	38,220.80	28,465.63
Borrowings	2,829.44	3,025.53	6,885.81	5,247.91	1,783.67
Other Liabilities & Provisions	1,610.05	1,434.84	2,524.78	1,725.62	413.16
Total Liabilities	28,869.07	57,541.21	60,610.36	47,447.73	30,867.98

	Utkarsh SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Cash and Balance with Reserve Bank of India	1,692.15	2,911.01	6,028.71	3,051.64	872.85
Balances with Banks and Money at Call	629.08	70.84	938.26	282.78	186.13
Investments	6,914.05	13,125.76	12,246.50	10,062.07	6,369.93
Advances	18,069.59	44,753.26	46,751.47	35,445.41	23,334.94
Net Block	332.70	457.27	526.56	190.68	226.16
Other Assets	1,106.38	1,239.99	1,506.57	1,026.48	1,339.35
Miscellaneous Exp. Not Written Off	--	--	--	--	--
Total Assets	28,869.07	57,541.21	60,610.36	47,447.73	30,867.98

	Utkarsh SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Cash From Operating Activities	780.69	1,843.20	-3,315.83	593.64	-1,960.29
Cash Flow from Investing Activities	-3,308.58	-2,480.67	-185.42	-4,132.66	-191.67
Cash from Financing Activities	1,412.49	911.35	3,641.25	1,640.54	1,347.37
Net Cash Inflow / Outflow	-1,115.39	273.88	140.00	-1,898.47	-804.59

	Utkarsh SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Yield on Advances	18.70	17.43	15.89	15.82	16.38
Yield on Investments	6.41	7.23	8.45	5.60	7.71
Interest Spread	10.93	11.24	9.39	9.14	9.96
NIM (%)	6.10	8.40	0.00	7.50	0.00
ROE (%)	-36.58	16.02	11.11	10.12	14.21
ROA (%)	-3.32	2.05	1.14	1.03	0.91
Cost to Income Ratio	97.05	65.65	71.67	67.76	71.64

	Utkarsh SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Revenue Growth (%)	-8.11	20.77	15.83	21.12	19.31
EBIT Growth (%)	-94.40	1.24	-5.19	-1.87	27.80
Net Profit Growth (%)	-167.69	175.64	872.17	15.58	145.82
EPS Growth (%)	-103.30	174.26	871.17	15.07	145.76
Book Value Growth (%)	-42.22	18.40	0.82	10.98	-8.48

	Utkarsh SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Price / Earnings	-2.24	9.52	9.26	8.77	8.23
Price / Book Value	0.79	1.47	1.04	0.87	1.20
Dividend Yield (%)	0.00	0.00	0.00	0.00	0.00
EV/EBITDA	-6.85	11.92	15.88	19.63	13.96
Market Cap (₹ Cr)	1,818.80	9,816.32	5,896.04	3,788.22	1,026.13

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.