	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Net Interest & Dividend Income	497	728	839	1,061	1,529	1,886	2,023	1,477
Non-Interest Revenue	15	29	52	54	85	111	291	-
Total Revenue	512	757	891	1,115	1,614	1,996	2,314	1,477
Total Operating Expenses	363	456	741	1,051	1,084	1,319	2,274	2,983
Operating Profit	149	302	150	64	530	677	40	-1,507
Operating Margin	29.1	39.8	16.9	5.8	32.8	33.9	1.7	-102.0
Profit before Taxes	149	250	151	114	530	677	40	-1,507
Income Taxes	55	64	40	53	126	180	16	-356
Profit after Tax	94	187	112	61	405	498	24	-1,151
PAT Margin	18.3	24.7	12.5	5.5	25.1	24.9	1.0	-77.9
EPS - Basic - ex Extraordinary Items	0.73	1.45	0.87	0.48	3.13	3.84	0.18	-8.37
EPS - Diluted - ex Extraordinary Items	0.73	1.45	0.87	0.48	3.13	3.84	0.18	-8.37
EBIT	149	302	150	64	530	677	40	-1,507
EBITDA	165	327	180	105	589	743	116	-1,429
EBITDA Margin	32.2	43.2	20.2	9.4	36.5	37.2	5.0	-96.8

Balance Sheet

Abridged

Understanding Balance Sheet

Utkarsh Small Finance Bank Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	PRESS
Cash & ST Balance with Banks	192	209	340	608	1,257	1,503	2,787	2,321
Lending & LT Balance with Banks	452	1,444	897	1,376	1,671	1,988	1,336	-
Property Plant & Equipment - Net	90	110	181	287	303	312	387	458
Total Assets	6,236	9,404	12,138	15,064	19,118	23,903	28,127	28,869
Deposits - Total	3,791	5,235	7,508	10,074	13,710	17,473	21,566	21,654
Long Term Debt	726	2,017	1,721	1,498	1,475	918	1,525	2,829
Total Liabilities	5,464	8,385	10,770	13,491	17,117	20,929	25,153	26,093
Total Shareholders' Equity	773	1,019	1,368	1,572	2,000	2,973	2,975	2,776
Total Equity	773	1,019	1,368	1,572	2,000	2,973	2,975	2,776
Total Liabilities & Equity	6,236	9,404	12,138	15,064	19,118	23,903	28,127	28,869

Cash Flow

Abridged

Understanding Cash Flow Statement

Utkarsh Small Finance Bank Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	C 2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	242	298	367	505	856	1,023	981	-325
Working Capital - Increase/(Decrease)	-31	-183	-450	824	717	-31	-105	1,105
Net CF from Operating Activities	211	115	-83	1,329	1,573	991	876	781
Capital Expenditures - Net	17	46	79	146	75	70	158	142
Net CF from Investing Activities	-171	-322	-532	-739	-693	-620	-777	-3,309
Dividends Paid - Cash - Total	-	-	-	-	-	-	55	-
Stock - Issuance/(Retirement) - Net	-	60	237	147	1	514	6	949
Debt - LT & ST - Issuance/(Retirement) - Total	-92	1,244	-65	-35	-222	-354	360	475
Net Cash Flow from Financing Activities	-92	1,304	172	111	-235	140	310	1,412
Free Cash Flow to Equity	102	1,314	-228	1,148	1,275	567	1,078	1,113
Free Operating CF net dividend	180	70	-163	1,182	1,497	921	662	631
Free Operating CF	180	70	-163	1,182	1,497	921	717	631

Business Segment Analysis

FY End:

Mar 25

Utkarsh Small Finance Bank Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Retail banking (83.9%)₹ 3,660.79 Crtreasury (10.0%)₹ 437.63 CrCorporate Wholesale banking (6.1%)₹ 266.34 Cr

Assets

Retail banking (58.7%)₹ 16,506.88 Crtreasury (30.1%)₹ 8,462.37 CrCorporate Wholesale banking (9.0%)₹ 2,532.58 CrUnallocated Assets (2.2%)₹ 625.61 Cr

Operating Income

treasury (46.5%)₹ 68.09 CrRetail banking (40.6%)₹ -59.41 CrCorporate Wholesale banking (13.0%)₹ 18.97 CrOther banking operations (0.0%)₹ 0.00 Cr

Regional Segment Analysis

FY End:

Mar 25

Utkarsh Small Finance Bank Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 2,313.77 Cr

Assets

India (100.0%)₹ 28,127.44 Cr

Historical Segment Analysis

Track how Utkarsh Small Finance Bank Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Sales

Assets

Operating Income

Business

Regional

Business

We don't have enough data to show the Capex for Utkarsh Small Finance Bank Ltd..

Frequently Asked Questions

What is the revenue of Utkarsh Small Finance Bank Ltd.?

The latest trailing twelve month revenue of Utkarsh Small Finance Bank Ltd. is ₹ 1,907.71 Cr, reflecting a 1-year growth of -27.25% and a 3-year CAGR of 1.43%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Utkarsh Small Finance Bank Ltd.?

The latest trailing twelve month net profit (PAT) of Utkarsh Small Finance Bank Ltd. is ₹ -1,150.98 Cr, with a 3-year earnings CAGR of -67.16%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Utkarsh Small Finance Bank Ltd.?

The trailing twelve month EBITDA of Utkarsh Small Finance Bank Ltd. is approximately ₹ -1,506.61 Cr (based on an operating margin of -78.97%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Utkarsh Small Finance Bank Ltd.?

The trailing twelve month Earnings Per Share (EPS) of Utkarsh Small Finance Bank Ltd. is -8.37. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Utkarsh Small Finance Bank Ltd.?

The debt-to-equity ratio of Utkarsh Small Finance Bank Ltd. stands at 1.02. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Utkarsh Small Finance Bank Ltd.?

The estimated book value per share of Utkarsh Small Finance Bank Ltd. is 15.53 (derived from a P/B ratio of 0.97 and market price of ₹ 15.07), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Utkarsh Small Finance Bank Ltd.?

The trailing twelve month operating cash flow of Utkarsh Small Finance Bank Ltd. is ₹ 780.69 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Utkarsh Small Finance Bank Ltd. report consolidated or standalone financials?

Utkarsh Small Finance Bank Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.