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Utkarsh Small Finance Bank Ltd share price logo

Utkarsh Small Finance Bank Ltd

(UTKARSHBNK)

₹35.352.59%

as on 04:01PM, 20 Dec 2024

Overview
News
Financials
Q2 2024 Results
Technicals

Utkarsh Small Finance Bank Ltd Analyst Rating

based on 2 analysts

BUY

50.00%

Buy

50.00%

Hold

0.00%

Sell

Based on 2 analysts offering long term price targets for Utkarsh Small Finance Bank Ltd. An average target of ₹42.5

Source: S&P Global Market Intelligence

Utkarsh Small Finance Bank Ltd Share analysis

Utkarsh Small Finance Bank Ltd price forecast by 2 analysts

Upside of17.11%

High

₹45

Target

₹42.50

Low

₹40

Utkarsh Small Finance Bank Ltd target price ₹42.5, a slight upside of 17.11% compared to current price of ₹35.35. According to 2 analysts rating.

Source: S&P Global Market Intelligence

Utkarsh Small Finance Bank Ltd Performance

  • Day's Low

    Day's High

    ₹35.16
    Day's Price Range
    ₹36.69
  • 52 Week's Low

    52 Week's High

    ₹34.65
    52-Week Price Range
    ₹68.3
1 Month Return+ 3.83 %
3 Month Return-22.51 %
1 Year Return-29.05 %
Previous Close₹36.29
Open₹36.30
Volume12.46L
Upper Circuit-
Lower Circuit-
Market Cap₹3,953.38Cr

Utkarsh Small Finance Bank Ltd Key Statistics

P/E Ratio0
PEG Ratio0
Market Cap₹3,953.38 Cr
P/B Ratio1.73
EPS0
Dividend Yield0
SectorBanks
ROE20.01

Utkarsh Small Finance Bank Ltd Peer Comparison

Company
Analyst ViewMarket Cap5 Year CAGRDebt to Asset RatioNet ProfitYearly Revenue
BUY₹3,953.38 Cr-4.88%NANANA
BUY₹7,298.49 Cr19.71%NANANA
HOLD₹10,081.66 Cr-10.16%NA₹1,259 Cr₹15,453 Cr
NA₹7,599.29 Cr-1.53%NANANA
BUY₹13,299.21 Cr-4.11%NANANA

About Utkarsh Small Finance Bank Ltd

Utkarsh Small Finance Bank Limited was incorporated on April 30 2016 at Varanasi Uttar Pradesh as a Public Limited Company and was granted a Certificate of Incorporation by the Registrar of Companies. The Promoter Utkarsh CoreInvest Limited started operations as a NBFC in year 2010 and was focused on providing microfinance to unserved and underserved segments in the States of Uttar Pradesh and Bihar. Later on it converted to a NBFC MFI. The Bank is engaged in providing banking and financial services and governed by Banking Regulation Act 1949. On October 7 2015 the Promoter received the RBI InPrinciple Approval to establish an SFB following which it incorporated Utkarsh Small Finance Bank Limited as a whollyowned subsidiary on April 30 2016. Subsequently the Bank received final approval of the RBI to carry on the business as an SFB on November 25 2016. Accordingly Utkarsh CoreInvest Limited transferred its business of providing microfinance as a going concern to the Bank and consequently commenced its operations from January 23 2017. The Bank was included in second schedule to the RBI Act as a Scheduled Commercial Bank pursuant to a notification dated October 4 2017 issued by the RBI and published in the Gazette of India on November 7 2017. Following the commencement of SFB operations the Bank further engaged with borrowers by focusing on microfinance and diversifying product offerings to include savings accounts deposit products and other loan products. The Bank operations were focused in the states of Uttar Pradesh where it headquartered and also in Bihar and Jharkhand. The Banking Operations are spread across India and are present in 22 States and Union Territories with 686 Banking Outlets as of March 31 2022. It had a network of 209 onsite and 6 offsite ATMs. As of March 31 2022 the Bank had also setup 310 microATMs. As of March 31 2022 67.91 of Gross Loan Portfolio GLP has been generated from Bihar Uttar Pradesh and Jharkhand respectively.The Bank asset products include micro banking loans that include joint liability group loans and individual loans retail loans including unsecured loans such as business loans and personal loans and secured loans such as loans against property LAP wholesale lending that includes short term and long term loan facilities to SMEs mid and large corporate and institutional clients housing loans with a focus on affordable housing commercial vehicle / construction equipment loans and Utkarsh Gold Loan product that was launched in Fiscal 2022. On the liabilities side it offer savings accounts current accounts and a variety of term and recurring deposit accounts. In addition it provide noncredit offerings comprising ATMcumdebit cards bill payment system and distribute mutual funds and insurance products.The Company is planning to come out with a public issue of Rs. 500 crore Equity Shares through fresh issue..

Share Price: ₹35.35 per share as on 20 Dec, 2024 04:01 PM
Market Capitalisation: ₹3,953.38Cr as of today
Listing date: 21 Jul, 2023
Chairperson Name: P K Gupta
OrganisationUtkarsh Small Finance Bank Ltd
HeadquartersVaranasi
IndustryBanks
E-voting on sharesClick here to vote

Key events for Utkarsh Small Finance Bank Ltd

  • Utkarsh Small Finance Bank Faces Financial Challenges - 27 Nov, 2024

    Utkarsh Small Finance Bank is experiencing increased stress on its loan book, with a significant drop in net profit and a revised loan growth outlook. Management projects rising credit costs, impacting future profitability.
  • Utkarsh SFB Expands Presence with New Branch - 21 Nov, 2024

    Utkarsh Small Finance Bank has inaugurated its fifth branch in Telangana, located in Warangal. This marks the bank's 986th branch in India, emphasizing its commitment to financial inclusion and expanding services in underserved areas.
  • Utkarsh Small Finance Bank Faces Profit Decline - 11 Nov, 2024

    Utkarsh Small Finance Bank reported a 55% drop in Q2 profit to Rs 51 crore, leading to a 9.4% share decline and an all-time low. The bank also reduced its loan growth guidance and increased credit cost expectations.
  • Utkarsh SFB Receives Stable Rating and Reports Growth - 02 Nov, 2024

    CARE Ratings reaffirmed Utkarsh Small Finance Bank's long-term rating at 'A+' with a stable outlook. The bank reported a 27.81% increase in net profit for Q1 FY25, reaching Rs 137.39 crore, alongside a 31.78% rise in total income. Despite challenges in geographic and product concentration, the bank's capitalisation and profitability remain strong.

Insights on Utkarsh Small Finance Bank Ltd

Insights help you understand the recent movement of the company's critical parameters, giving you an overall view of the company.

  • imgPOSITIVE IMPACT

    FII Holding Up

    img

    Foreign Institutions have increased holdings from 0.95% to 0.99% in Sep 2024 quarter

  • imgPOSITIVE IMPACT

    Retail Holding Up

    img

    Retail Investor have increased holdings from 19.42% to 20.05% in Sep 2024 quarter

  • imgNEGATIVE IMPACT

    Promoter Holding Down

    img

    Promoters have decreased holdings from 69.02% to 68.94% in Sep 2024 quarter

  • imgNEGATIVE IMPACT

    MF Holding Down

    img

    Mutual Funds have decreased holdings from 7.08% to 7.03% in Sep 2024 quarter

  • imgNEGATIVE IMPACT

    Price Dip

    img

    In the last 3 months, UTKARSHBNK stock has moved down by -21.1%

Utkarsh Small Finance Bank Ltd Financials

Value in ₹ crore
Details2021202220232024
Total Assets₹12,137.92Cr (-)₹15,064.36Cr (↑24.11%)₹19,117.60Cr (↑26.91%)₹23,902.89Cr (↑25.03%)
Total Liabilities₹12,137.92Cr (-)₹15,064.36Cr (↑24.11%)₹19,117.60Cr (↑26.91%)₹23,902.89Cr (↑25.03%)
Value in ₹ crore
Details20202021202220232024
Operating Cash Flow₹115.21Cr (-)-₹83.46Cr (↓172.44%)₹1,329.16Cr (↓1,692.57%)₹1,573.13Cr (↑18.36%)₹991.23Cr (↓36.99%)

Index Inclusions

S&P BSE Fin. Ser

₹11,379.57

-1.62 (-187.38%)

S&P BSE AllCap

₹10,471.31

0.68 (71.07%)

BSE Small-Cap

₹55,149.22

-2.11 (-1188.47%)

Utkarsh Small Finance Bank Ltd Shareholding Pattern

InvestorsHoldings %FY Quarter3M change
Promoter Holdings
68.94%
-0.11
Foreign Institutions
0.99%
5.09
Mutual Funds
7.03%
-0.79
Retail Investors
20.05%
3.26
Others
2.99%
-15.51

Utkarsh Small Finance Bank Ltd Key Indicators

Details20202021202220232024
Return On Equity %20.849.374.1822.6420.01

Utkarsh Small Finance Bank Ltd Earnings and Dividends

  • Utkarsh Small Finance Bank Ltd Earnings Results

    Utkarsh Small Finance Bank Ltd’s net profit fell -55.09% since last year same period to ₹51.39Cr in the Q2 2024-2025. On a quarterly growth basis, Utkarsh Small Finance Bank Ltd has generated -62.6% fall in its net profits since last 3-months.

    Read More about Earnings Results
  • Utkarsh Small Finance Bank Ltd Dividends April,2024

    In the quarter ending March 2024, Utkarsh Small Finance Bank Ltd has declared dividend of ₹0.50 - translating a dividend yield of 1.41%.

    Read More about Dividends

Utkarsh Small Finance Bank Ltd Technicals Summary

Bearish

Neutral

Bullish

Bearish

Utkarsh Small Finance Bank Ltd is currently in a Bearish trading position according to technical analysis indicators.

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Utkarsh Small Finance Bank Ltd (UTKARSHBNK) share price today is ₹35.35

Utkarsh Small Finance Bank Ltd is listed on NSE

Utkarsh Small Finance Bank Ltd is listed on BSE

  • Today’s highest price of Utkarsh Small Finance Bank Ltd is ₹36.69.
  • Today’s lowest price of Utkarsh Small Finance Bank Ltd is ₹35.16.

Today’s traded volume of Utkarsh Small Finance Bank Ltd(UTKARSHBNK) is 12.46L.

Today’s market capitalisation of Utkarsh Small Finance Bank Ltd(UTKARSHBNK) is ₹3953.38Cr.

Utkarsh Small Finance Bank Ltd(UTKARSHBNKPrice
52 Week High
₹68.3
52 Week Low
₹34.65

Utkarsh Small Finance Bank Ltd(UTKARSHBNK) share price is ₹35.35. It is down -48.24% from its 52 Week High price of ₹68.3

Utkarsh Small Finance Bank Ltd(UTKARSHBNK) share price is ₹35.35. It is up 2.02% from its 52 Week Low price of ₹34.65

Utkarsh Small Finance Bank Ltd(UTKARSHBNKReturns
1 Day Returns
-0.94%
1 Month Returns
3.83%
3 Month Returns
-22.51%
1 Year Returns
-29.05%