Utkarsh Small Finance Bank Ltd

UTKARSHBNK
NSE· Financial Services
₹15.22
+0.02 (+0.13%)
Updated 03:47 am IST
52W Low · ₹10.5052W High · ₹24.05
Mid Range
Market Cap
₹2235.08L Cr
Volume
4.87L
Prev Close
₹14.64
ISIN
INE735W01017

Orion Score

Fundamentals-based quality & risk · not a recommendation

33/100
Avoid

Utkarsh Small Finance Bank Ltd scores 33/100 (Avoid) on the Orion Score — poor business quality (22), weak growth (48) and weak balance-sheet safety (40). A fundamentals-based quality & risk score, not a buy/sell recommendation.

Quality
22
Growth
48
Safety
40
Value
—

Full Orion analysis

Risk checks

  • Limited track record (2 yrs of data)

Forensic accounting

Forensic screens (Piotroski, Altman, Beneish) are built for non-financial companies. Banks & NBFCs are judged on capital adequacy, asset quality & returns instead.

Technical / Momentum

Price Trend

46/100

Neutral

Technical momentum companion — separate from the fundamentals-based Orion Score.

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VestAI Stock Score

VALUATION
No Data
D/E unavailable
QUALITY
Low Quality
ROCE -40.0% — poor capital efficiency
MOMENTUM
Bullish
RSI 59.7 — strong momentum

Price Chart

SMA 20
SMA 50
SMA 200

Key Fundamentals

Q4 FY2026

P/E Ratio
—
ROCE
-40.03%
ROE (1Y)
-40.03%
D/E Ratio
—
OPM
—
TTM EPS
₹-8.37
Dividend Yield
—
Qtrly Sales
₹491.42 Cr
Qtrly Profit
₹-188.02 Cr

Technical Signals

Quarterly Results

Revenue & Profit in ₹ Crores

Revenue Net Profit
QuarterRevenueNet ProfitOPMEPS
Q4 2026₹491.42₹-188.02—₹-1.06
Q3 2026₹428.91₹-375.02—₹-2.46
Q2 2026₹447.82₹-348.46—₹-2.68
Q1 2026₹539.56₹-239.48—₹-2.17
Q4 2025₹698.52₹2.97—₹0.03

Annual P&L

Revenue & Profit in ₹ Crores (Yearly)

Revenue Net Profit
YearRevenueNet ProfitEBITDAOPM
FY 2025₹2,622.46₹23.7——
FY 2024₹2,286.2₹497.63——
FY 2023₹1,828.29₹404.5——
FY 2022₹1,245.68₹61.46——

Peer Comparison — Financial Services

Top companies in the same sector by market cap

CompanyMkt CapP/EROCEROED/EOPM
UTKARSHBNK ★₹2,235 Cr—-40.03%-40.03%——
ICICIBANK₹9,05,033 Cr16.8916.36%16.36%——
SBIN₹9,02,477 Cr10.7315.48%15.48%——
BAJAJHFL₹73,351 Cr28.593.22%12.06%4.61x31.70%
ANGELONE₹31,612 Cr34.6114.23%15.53%1.29x38.76%
CDSL₹29,927 Cr61.7225.37%23.91%0.00x37.64%

Balance Sheet

All values in ₹ Crores

MetricFY 2025FY 2024FY 2023FY 2022
Total Assets₹28,127.44₹23,902.68₹19,117.29₹15,063.77
Equity₹2,974.5₹2,973.19₹2,000.32₹1,572.3
Total Debt₹2,354.77₹1,845.08₹2,199.48₹2,334.93
Cash₹3,436.62₹3,027.47₹2,516.36₹1,871.65
Net Debt———₹463.29
Working Capital————

Shareholding Pattern

Q1 FY2027

Promoter
55.68%
FII
6.58%
DII
5.38%
Public
32.36%

Quarter-over-Quarter Trend

QuarterPromoterFIIDIIPublic
Q1 FY202755.68% ↑6.58% ↓5.38% ↓32.36% ↓
Q3 FY202642.67% ↓11.8% ↑9.74% ↑35.76% ↑
Q2 FY202668.92%1.68% ↓2.39% ↓27% ↑
Q1 FY202668.92%1.85% ↑2.78% ↓26.43% ↑
Q4 FY202568.92% ↓1% ↓7.04% ↓23.04% ↑
Q3 FY202568.93%1.33% ↑8.23% ↓21.5% ↑
Q2 FY202568.94% ↓0.99% ↑10.01% ↓20.04% ↑
Q1 FY202569.02%0.94%10.6%19.43%

Corporate Actions

No recent corporate actions

Funds Holding This Stock

2 mutual fund schemes

1
WhiteOak Capital Banking & Financial Services Fund Direct GrowthWHITEOAK_CAPITAL

0.23%

₹1 Cr

2
Motilal Oswal BSE 1000 Index Fund Direct GrowthMOTILAL_OSWAL

0.01%

₹0 Cr

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About Utkarsh Small Finance Bank Ltd (UTKARSHBNK) Stock

Utkarsh Small Finance Bank Ltd is listed on the NSE under the Financial Services sector, Other Bank industry. ISIN: INE735W01017. Track live share price, technical analysis, RSI, MACD, PE ratio, and smart money holdings on VestAI — India's AI-powered stock analysis platform.