NSE ScannerBanks · Regional Banks · NSE: UTKARSHBNK · data 2026-10-31
Utkarsh Small Finance Bank Limited
In plain words
Price: 44.6% below its 52-week high of ₹20.7.
Delivery: 49.4% of traded shares were kept for delivery over the last 10 sessions, against 48.9% over the last 60.
Latest results: a net loss of ₹34 cr for the quarter ended Jun 2026.
A description of the data, not a recommendation.
Key figures
Growth
| Revenue (last 12 months) | ₹3,793 cr |
| Net profit (last 12 months) | ₹-945 cr |
| Sales growth, 3 years (yearly) | 10.8% |
| Profit growth, 3 years (yearly) | — |
At a glance
Promoters 42.7% (-26.3 pts in a year), pledged 0.0%, institutions 19.6%.
ROE -40.0%, operating margin -64.6%: how much profit it earns on the money it uses.
Ratings use fixed thresholds on the latest reported figures. They describe the numbers and are not a recommendation.
Strengths and limitations
None flagged by these rules.
- Low return on equity (-40.0%).
- Promoters cut their holding by 26.3 points in a year.
- Reported a loss in the latest quarter.
Picked automatically from the latest reported figures with fixed rules; check the company's filings before relying on them.
Latest results in brief (Q1 FY27)
UTKARSHBNK Q1 FY27 results (standalone figures, as filed on NSE).
Interest earned was ₹883.56 crore, up 0.3% YoY and up 5.6% QoQ.
Net loss was ₹33.92 crore, a smaller loss than a year ago and a smaller loss than last quarter.
EPS was -₹0.19, less negative than a year ago and less negative than last quarter.
UTKARSHBNK के Q1 FY27 नतीजे (स्टैंडअलोन आंकड़े, NSE पर दाखिल)।
ब्याज आय: ₹883.56 करोड़; पिछले साल की तुलना में 0.3% की बढ़त, पिछली तिमाही की तुलना में 5.6% की बढ़त।
शुद्ध घाटा: ₹33.92 करोड़; एक साल पहले से घाटा कम हुआ, पिछली तिमाही से घाटा कम हुआ।
EPS: -₹0.19; एक साल पहले से कम ऋणात्मक, पिछली तिमाही से कम ऋणात्मक।
UTKARSHBNKના Q1 FY27 પરિણામો (સ્ટેન્ડઅલોન આંકડા, NSE પર ફાઇલ કરેલા).
વ્યાજની આવક: ₹883.56 કરોડ; ગયા વર્ષની સરખામણીએ 0.3% વધારો, ગયા ક્વાર્ટરની સરખામણીએ 5.6% વધારો.
ચોખ્ખી ખોટ: ₹33.92 કરોડ; એક વર્ષ પહેલાંની સરખામણીએ ખોટ ઘટી, ગયા ક્વાર્ટરની સરખામણીએ ખોટ ઘટી.
EPS: -₹0.19; એક વર્ષ પહેલાંના કરતાં ઓછી નકારાત્મક, ગયા ક્વાર્ટરના કરતાં ઓછી નકારાત્મક.
Written from the filed numbers. Not a recommendation.
Smart-money activity
9/100 · Weak over the last ~60 sessions, data 2026-10-30
- Delivery vs usual 4/30: Delivery 42.3% over the last 20 sessions vs 38.9% in the 40 before (1.09x); shares delivered per day 0.56x usual; 0 delivery-spike days (3x usual shares delivered, 40%+ delivery) in the last 20 sessions.
- Bulk/block deals 0/20: No bulk or block deals in the last 90 days.
- Insider / SAST buys 0/15: No insider buy or SAST acquisition filings in the last 90 days. Insider sells are not collected by the site, so only buy filings count.
- Mutual fund holding 0/15: No mutual fund scheme lists this stock. Latest monthly portfolios only (top 60 holdings per scheme); month-on-month change is not stored.
- Accumulation evidence 0/15: No accumulation evidence row (only saved-scan stocks have one; 0 points).
- Promoter pledges 5/5: No promoter pledge filings in 90 days.
A description of recorded activity (delivery, deals, insider buys, fund holding, pledges), not a recommendation. Today's most active stocks.
Story so far
● Results ● Rights
- 1 Aug 26Results Q1 FY27 results: loss narrowed vs a year ago -0.4% next session
- 9 May 26Results Q4 FY26 results: turned to loss vs a year ago -8.3% next session
- 2 Feb 26Results Q3 FY26 results: loss widened vs a year ago -4.5% next session
- 14 Nov 25Results Q2 FY26 results: turned to loss vs a year ago +6.0% next session
- 14 Oct 25Rights Rights issue 8:13 · premium ₹4 (ex-date) -23.8% next session
- 2 Aug 25Results Q1 FY26 results: turned to loss vs a year ago -7.9% next session
- 3 May 25Results Q4 FY25 results: profit −98.1% YoY -3.0% next session
- 17 Feb 25Results Q3 FY25 results: turned to loss vs a year ago -8.5% next session
- 2 Dec 24Results Q2 FY25 results: profit −55.1% YoY -1.7% next session
From official exchange filings and NSE data. How the price moved after an event describes the past, not what comes next.
Quarterly results (standalone)
| Quarter | Revenue | Net profit | Profit YoY | Op. margin | EPS ₹ |
|---|---|---|---|---|---|
| Jun 2026 | ₹884 cr | ₹-34 cr | — | 7.2% | -0.19 |
| Mar 2026 | ₹837 cr | ₹-188 cr | -6430.6% | 1.5% | -1.06 |
| Dec 2025 | ₹821 cr | ₹-375 cr | — | -5.4% | -2.46 |
| Sept 2025 | ₹840 cr | ₹-348 cr | -778.2% | -0.4% | -3.16 |
Shareholding trend
| Holder | Sept 2026 | Jun 2026 | Mar 2026 | Dec 2025 |
|---|---|---|---|---|
| Promoters | 42.67% | 42.67% | 42.67% | 42.67% |
| Foreign institutions (FII) | 10.44% | 11.90% | 11.49% | 11.80% |
| Domestic institutions (DII) | 9.17% | 9.55% | 9.57% | 9.76% |
| Mutual funds | 0.00% | 0.00% | 0.18% | 0.41% |
| Retail investors | 12.74% | 12.56% | 12.72% | 11.86% |
| Number of shareholders | 2,76,844 | 2,79,233 | 2,82,993 | 2,76,742 |
Common questions
What was Utkarsh Small Finance Bank Limited's latest quarterly profit?
Utkarsh Small Finance Bank Limited reported a net loss of ₹34 cr for the quarter ended Jun 2026, on revenue of ₹884 cr.
How much do promoters hold in Utkarsh Small Finance Bank Limited?
Promoters held 42.67% of Utkarsh Small Finance Bank Limited at the end of Sept 2026, with 0.00% of promoter shares pledged.
Is Utkarsh Small Finance Bank Limited debt-free?
Its latest reported debt-to-equity ratio is 2.02, meaning borrowings are larger than shareholders' equity.
What is the 52-week high and low of Utkarsh Small Finance Bank Limited?
The 52-week high is ₹20.7 and the 52-week low is ₹10.12.
Compared with similar companies
| Company | Price | Market cap | P/E | P/B | ROE | ROCE | Debt/eq. | 1-yr return |
|---|---|---|---|---|---|---|---|---|
| Utkarsh Small Finance Bank Limited | ₹11.46 | ₹2,041 cr | — | 0.7 | -40% | -7.1% | 2.02 | -43.5% |
| Jana Small Finance Bank Ltd | ₹373.5 | ₹3,940 cr | 8.3 | 0.8 | 7.6% | 0.7% | 3.74 | -16.4% |
| ESAF Small Finance Bank Limited | ₹42.46 | ₹2,190 cr | 8.1 | 1.1 | -8.9% | -1% | 2.83 | +51.1% |
| Suryoday Small Finance Bank Limited | ₹134.73 | ₹1,434 cr | 6 | 0.7 | 7.6% | 1.4% | 2.17 | -13.1% |
| Capital Small Finance Bank Limited | ₹271.6 | ₹1,232 cr | 7.7 | 0.8 | 10.1% | 2.4% | 0.75 | -6.7% |
| FINO Payments Bank Ltd. | ₹116.83 | ₹980 cr | — | 1.3 | 6.8% | 4.8% | 1.91 | -60.6% |
Compare UTKARSHBNK with JSFB in detail →
The full analysis has the price chart, every quarterly result with YoY/QoQ growth, the balance sheet and cash flow with an accounting red-flag check, shareholding quarter by quarter with big investors, news, filings and bulk/block deals.
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