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Swing Capital

Utkarsh Small Finance Bank Ltd

NSE: UTKARSHBNK BSE: 543942Banking

Incorporated in 2016, Utkarsh Small Finance Bank is engaged in providing banking and financial services.[1]

₹13.3
52W: ₹10.1 — ₹22.8
PE 0 · Book ₹15.3 · -13% vs book
Market Cap₹2,367 Cr
Stock P/E—Price to Earnings
ROCE1.46%Return on Capital
ROE40.4%Return on Equity
Div. Yield0%Face Value ₹10

Strengths

  • +Stock is trading at 0.87 times its book value
  • +Company's working capital requirements have reduced from 40.7 days to 13.6 days

Weaknesses

  • −Company has low interest coverage ratio.
  • −Company has a low return on equity of -7.58% over last 3 years.
  • −Earnings include an other income of Rs.431 Cr.

Shareholding Pattern

Promoters42.67%
FIIs11.49%
DIIs9.56%
Public36.27%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters69.02%68.94%▼0.168.93%▼0.068.92%▼0.068.92%68.92%42.67%▼26.342.67%
FIIs0.94%0.99%▲0.11.33%▲0.31%▼0.31.85%▲0.91.68%▼0.211.8%▲10.111.49%▼0.3
DIIs10.6%10.01%▼0.68.23%▼1.87.04%▼1.22.78%▼4.32.39%▼0.49.74%▲7.39.56%▼0.2
Public19.43%20.04%▲0.621.5%▲1.523.04%▲1.526.43%▲3.427%▲0.635.76%▲8.836.27%▲0.5

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses413452492593824687858913920724
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit11616013751-1683-239-348-375-188
EPS ₹0.650.90.770.29-0.940.02-1.35-1.96-2.11-1.06

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 9.56% (-3.43pp change). FIIs: 11.49% (+9.42pp change). Promoters hold 42.67%.

Margin & Efficiency

ROCE improving from 0% (Mar 2018) to 0% (Mar 2026). Working capital days: 0.

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