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Financials Ratios
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Utkarsh Small Finance Bank Ltd.
BSE CODE: 543942   |   NSE CODE: UTKARSHBNK   |   ISIN CODE : INE735W01017   |   24-Jul-2026 Hrs IST
BSE NSE
Rs. 14.47
-0.03 ( -0.21% )
 
Prev Close ( Rs.)
14.50
Open ( Rs.)
14.33
 
High ( Rs.)
14.51
Low ( Rs.)
14.18
 
Volume
222362
Week Avg.Volume
302145
 
52 WK High-Low Range(Rs.)
BSE NSE
Rs. 14.45
-0.01 ( -0.07% )
 
Prev Close ( Rs.)
14.46
Open ( Rs.)
14.40
 
High ( Rs.)
14.53
Low ( Rs.)
14.15
 
Volume
3841832
Week Avg.Volume
4518955
 
52 WK High-Low Range(Rs.)
10.12
22.03
Particulars Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022
Operational & Financial Ratios          
   Earnings Per Share (Rs)-6.47  0.22  4.53  4.52  0.69  
   DPS(Rs)0.00  0.00  0.50  0.00  0.00  
   Book NAV/Share(Rs)15.29  26.60  26.85  22.13  17.49  
Margin Ratios          
   Yield on Advances18.70  20.12  19.42  19.17  18.08  
   Yield on Investments6.41  5.85  5.69  5.21  6.48  
   Cost of Liabilities7.77  7.28  6.64  6.08  6.23  
   NIM5.41  7.46  8.17  8.29  7.34  
   Interest Spread10.93  12.83  12.78  13.09  11.84  
Performance Ratios          
   ROA(%)-4.04  0.09  2.31  2.37  0.45  
   ROE(%)-40.73  0.81  20.17  22.80  4.19  
   ROCE(%)-24.00  3.97  17.84  17.13  7.19  
Efficiency Ratios          
   Cost Income Ratio97.05  61.61  56.38  54.15  58.90  
   Core Cost Income Ratio99.08  61.84  56.38  54.15  58.77  
   Operating Costs to Assets6.41  5.74  5.39  5.18  4.87  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  0  0  0  0  
Valuation Parameters          
   PER(x)0.00  86.92  10.35  0.00  0.00  
   PCE(x)-1.69  24.19  9.15  0.00  0.00  
   Price/Book(x)0.67  0.83  1.75  0.00  0.00  
   Yield(%)0.00  0.00  1.07  0  0  
   EV/Net Sales(x)1.38  1.27  2.25  1.30  1.88  
   EV/Core EBITDA(x)82.49  4.75  7.17  3.87  6.77  
   EV/EBIT(x)11.75  2.70  3.66  2.15  4.00  
   EV/CE(x)0.83  0.90  1.44  0.75  0.84  
   M Cap / Sales0.54  0.64  1.62  0.00  0.00  
Growth Ratio          
   Core Operating Income Growth-27.00  7.27  23.33  44.13  26.41  
   Operating Profit Growth-98.82  -170.74  -43.87  37.86  -19.98  
   Net Profit Growth-4956.35  -95.24  23.02  558.13  -45.03  
   BVPS Growth-42.53  -0.90  21.33  -99.87  0.00  
   Advances Growth-3.46  14.37  25.22  27.77  24.48  
   EPS Growth(%)-3106.93  -95.25  0.25  557.85  -47.93  
Liquidity Ratios          
   Loans/Deposits(x)0.13  0.11  0.11  0.17  0.26  
   Cash / Deposits(x)0.08  0.12  0.07  0.09  0.18  
   Investment / Deposits(x)0.32  0.23  0.21  0.21  0.23  
   IncLoan / Deposits(x)13.07  10.92  11.42  17.14  25.53  
   Credit/Deposits(%)83.45  86.79  93.66  95.32  101.53  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)3.29  4.84  0.03  0.39  2.31