Utkarsh Small Finance Bank share price
NSE: UTKARSHBNKBanksBanks - Regional
Utkarsh Small Finance Bank at a glance
Utkarsh Small Finance Bank (NSE: UTKARSHBNK) closed at ₹12.52 on 22 Oct 2026, down 0.40% on the day. With a market capitalisation of ₹2,228 Cr, it ranks 1099th by market cap among the 4,183 NSE companies Pivot tracks (a small-cap company by SEBI's rank bands). It belongs to the Banks sector; its industry is Banks - Regional.
Its return on equity was −41.5% in FY26. Over the past year the share price has fallen 32.9%. Its 52-week range is ₹10.12 (30 Mar 2026) to ₹22.03 (24 Oct 2025); the last close is 43.2% below the high. In Q1 FY27, the quarter ended 30 Jun 2026, revenue was ₹884 Cr (+0.3% year on year) and net profit −₹34 Cr, on a standalone basis. Promoters held 42.67% of the company as of 30 Jun 2026.
Key numbers
- Market cap
- ₹2,228 CrRank 1099 on NSE
- Price to book
- 0.78×FY26
- EPS (TTM)
- −₹6.87to Q1 FY27
- ROE
- −41.5%FY26
- Net profit margin
- −34.1%FY26
- Net interest margin
- 5.11%FY26
- Gross NPA
- 9.43%FY25
- Net NPA
- 4.84%FY25
- CASA ratio
- 24.0%FY26
- Book value / share
- ₹15.60FY26
- 52-week high
- ₹22.0324 Oct 2025
- 52-week low
- ₹10.1230 Mar 2026
- 1-year return
- −32.9%
- RSI (14-day)
- 31.6
Returns to 22 Oct 2026
| Period | 1 day | 1 week | 1 month | 3 months | 1 year |
|---|---|---|---|---|---|
| Price change | −0.40% | −9.0% | −10.9% | −13.3% | −32.9% |
Utkarsh Small Finance Bank quarterly results
| Quarter | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | ₹987 Cr | ₹932 Cr | ₹880 Cr | ₹881 Cr | ₹840 Cr | ₹821 Cr | ₹837 Cr | ₹884 Cr |
| Revenue YoY | +30.5% | +15.7% | −1.8% | −8.8% | −14.9% | −11.9% | −4.9% | +0.3% |
| Net profit | ₹51 Cr | −₹168 Cr | ₹3 Cr | −₹239 Cr | −₹348 Cr | −₹375 Cr | −₹188 Cr | −₹34 Cr |
| Net profit YoY | −55.1% | −244.8% | −98.1% | −274.3% | −778.1% | — | −6,409.4% | — |
| Net margin | 5.2% | −18.0% | 0.3% | −27.2% | −41.5% | −45.7% | −22.5% | −3.8% |
| EPS | ₹0.47 | −₹1.53 | ₹0.03 | −₹2.17 | −₹3.16 | −₹2.46 | −₹1.06 | −₹0.19 |
Utkarsh Small Finance Bank financials
| Item | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Revenue | ₹2,804 Cr | ₹3,579 Cr | ₹4,365 Cr | — |
| Net profit | ₹405 Cr | ₹498 Cr | ₹24 Cr | — |
| EPS (₹) | ₹4.52 | ₹4.79 | ₹0.22 | — |
| Cash from operations | ₹1,559 Cr | ₹991 Cr | ₹876 Cr | — |
| Total debt | ₹2,199 Cr | ₹1,845 Cr | ₹2,355 Cr | ₹2,529 Cr |
| Shareholders' equity | ₹2,000 Cr | ₹2,973 Cr | ₹2,975 Cr | ₹2,776 Cr |
Utkarsh Small Finance Bank shareholding pattern
| Holder | 30 Jun 2025 | 30 Sep 2025 | 7 Nov 2025 | 31 Dec 2025 | 31 Mar 2026 | 30 Jun 2026 |
|---|---|---|---|---|---|---|
| Promoters | 68.92% | 68.92% | 42.67% | 42.67% | 42.67% | 42.67% |
| Foreign institutions | 1.85% | 1.68% | 13.07% | 11.80% | 11.49% | 11.90% |
| Domestic institutions | 2.78% | 2.39% | 10.70% | 9.76% | 9.57% | 9.55% |
| Non-institutions | 26.43% | 27.00% | 33.55% | 35.77% | 36.28% | 35.88% |
Utkarsh Small Finance Bank vs peers
The listed Banks companies nearest to Utkarsh Small Finance Bank by market capitalisation.
| Company | Price | 1 day | 1 year | Market cap | P/E | ROE |
|---|---|---|---|---|---|---|
| EQUITASBNKEquitas Small Finance Bank | ₹67.63 | +0.18% | +21.8% | ₹7,735 Cr | 75.1 | — |
| DCBBANKDCB Bank | ₹208.45 | −0.24% | +62.2% | ₹6,714 Cr | 9.1 | — |
| CSBBANKCSB Bank | ₹310.90 | +0.88% | −19.5% | ₹5,394 Cr | 8.5 | — |
| UTKARSHBNKUtkarsh Small Finance Bank | ₹12.52 | −0.40% | −32.9% | ₹2,228 Cr | — | — |
| ESAFSFBESAF Small Finance Bank | ₹41.50 | +0.78% | +46.4% | ₹2,141 Cr | — | — |
| DHANBANKDhanlaxmi Bank | ₹35.73 | +1.13% | +41.1% | ₹1,410 Cr | 13.7 | — |
| ORIENTBANKOriental Bank | — | — | — | ₹1,155 Cr | — | — |
Ask anything about Utkarsh Small Finance Bank
Pivot answers on the live chart with evidence you can check, and tests strategies against UTKARSHBNK's own history. Try: “Why has UTKARSHBNK moved over the last three months?” · “Backtest a 50-day moving-average crossover on UTKARSHBNK over five years” · “Compare UTKARSHBNK with EQUITASBNK on margins and valuation”
Frequently asked questions about Utkarsh Small Finance Bank
What is the share price of Utkarsh Small Finance Bank today?
Utkarsh Small Finance Bank (NSE: UTKARSHBNK) last closed at ₹12.52 on 22 Oct 2026. Its 52-week high is ₹22.03 and its 52-week low is ₹10.12.
What is the market cap of Utkarsh Small Finance Bank?
Utkarsh Small Finance Bank's market capitalisation is ₹2,228 Cr (₹2,228 Cr) at the 22 Oct 2026 close, ranking 1099th among the NSE companies Pivot tracks.
What is the ROE and ROCE of Utkarsh Small Finance Bank?
Return on equity was −41.5% in FY26 (standalone figures).
What were Utkarsh Small Finance Bank's latest quarterly results?
For Q1 FY27 (quarter ended 30 Jun 2026), Utkarsh Small Finance Bank reported revenue of ₹884 Cr, +0.3% year on year, and net profit of −₹34 Cr.
How has Utkarsh Small Finance Bank stock performed over the last year?
Utkarsh Small Finance Bank's share price has fallen 32.9% over the past year, −13.3% over three months and −10.9% over one month, to the 22 Oct 2026 close.
What is the shareholding pattern of Utkarsh Small Finance Bank?
As of 30 Jun 2026: promoters 42.67%, foreign institutions 11.90%, domestic institutions 9.55%, non-institutions 35.88%.
Who are Utkarsh Small Finance Bank's competitors?
The listed Banks companies closest to Utkarsh Small Finance Bank by market cap are Equitas Small Finance Bank, DCB Bank, CSB Bank, ESAF Small Finance Bank, Dhanlaxmi Bank and Oriental Bank.
Is Utkarsh Small Finance Bank a good stock to buy?
Pivot does not give buy or sell recommendations. This page sets out Utkarsh Small Finance Bank's price history, valuation, profitability, quarterly results and ownership so you can judge it yourself, and Pivot's chart lets you test a strategy on UTKARSHBNK against its own history before risking money. This is analysis, not financial advice.
Sources and method
Prices: NSE daily closes to 22 Oct 2026 (returns and ratios at the 22 Oct 2026 close). Fundamentals: company filings via Moneycontrol, standalone where available. Shareholding: exchange shareholding-pattern filings. The 52-week range uses intraday highs and lows; the chart marks closing prices. P/E is the last close over trailing twelve-month EPS. Market-cap rank is among the 4,183 NSE companies Pivot tracks; SEBI's bands call the top 100 large-cap and the next 150 mid-cap. Figures marked “—” are not available rather than zero. This is analysis, not financial advice.
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