Utkarsh Small Finance Bank (NSE: UTKARSHBNK, BSE: 543942) is a Varanasi, Uttar Pradesh-based company in the Small Finance Bank industry. With a market capitalisation of ₹2,361 Cr, it ranks #1,158 by market cap among the 6,137 Indian listed companies on FinBizNet, and #5 of 8 in Small Finance Bank. At ₹11.97 (as of 25 Oct 2026), the share price is 45.7% below its 52-week high of ₹22.03 and 18.3% above its 52-week low of ₹10.12. The share price is down 33.6% over one year and down 17.2% over three months.
| Current Price | ₹11.97 |
|---|---|
| Market Cap | ₹2,361 Cr |
| NSE Symbol | UTKARSHBNK |
| BSE Code | 543942 |
| Sector | Financials > Banks > Banks |
| Sub-Industry | Small Finance Bank |
| P/E Ratio | -1.6 |
| Return on Equity | -40.03% |
| Return on Assets | -4.04% |
| 52-Week Range | ₹10.12 – ₹22.03 |
| 1-Year Price Change | -33.6% |
| 3-Month Price Change | -17.2% |
| Beta (1Y) | 1.07 |
| Dividend Yield | 0.00% |
| Headquarters | Varanasi, Uttar Pradesh |
| Website | www.utkarsh.bank.in |
| Revenue | ₹1,002 Cr |
|---|---|
| Net Profit | ₹-34 Cr |
| Net Margin | -3.4% |
| EPS (Basic) | ₹-0.19 |
| Basis | standalone |
Figures in ₹ crore, parsed from the company's exchange filing (XBRL).
Utkarsh Small Finance Bank Limited provides banking and financial services for individuals and businesses in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The company offers savings, salary, current, term and recurrent deposit, institutional, and escrow banking accounts; term deposit products; certificates of deposits; locker facilities; digital products; investment products; joint liability group, business, MSME, commercial vehicle and construction equipment, gold, personal, home and other loans; overdraft against fixed deposit, wholesale lending, LAP retail, and Micro LAP; inward and outward remittance; and bill payment services. It also provides ATM, branch, internet, and mobile banking services; micro and wholesale banking services; mutual funds; and life, health, and general insurance. The company was founded in 2009 and is headquartered in Varanasi, India. Utkarsh Small Finance Bank Limited is a subsidiary
1. Retail Banking-This segment offers lending, deposits, and other banking services to retail customers. 2. Wholesale Banking-0 3. Treasury-This segment engages in SLR and non SLR investments, the maintenance of reserve requirements, and resource mobilization from other banks and financial institutions. 4. Unallocated-0
1. Treasury-15%
| Company | Market Cap | P/E | ROE | Latest Qtr Revenue | 1Y Change |
|---|---|---|---|---|---|
| AU Small Finance Bank Ltd (AUBANK) | ₹74,164 Cr | 27.7 | 14.22% | ₹6,382 Cr | +16.8% |
| Ujjivan Small Finance Bank Ltd | ₹12,325 Cr | 18 | 10.74% | ₹2,449 Cr | +18.6% |
| Equitas Small Finance Bank Ltd | ₹8,050 Cr | 77.8 | 1.69% | ₹2,216 Cr | +18.4% |
| Jana Small Finance | ₹5,192 Cr | 13.9 | 7.60% | ₹1,816 Cr | -17.0% |
| Utkarsh Small Finance Bank | ₹2,361 Cr | -1.6 | -40.03% | ₹1,002 Cr | -33.6% |
| ESAF Small Finance | ₹2,285 Cr | -13.5 | -8.93% | ₹1,346 Cr | +37.7% |
| Suryoday Small Finance | ₹1,573 Cr | 10.5 | 7.59% | ₹770 Cr | -6.1% |
| Capital Small Finance | ₹1,243 Cr | 8.6 | 10.10% | ₹314 Cr | -5.6% |
Listed by market capitalisation. Ratios are shown for context only.
Utkarsh Small Finance Bank is trading at ₹11.97, with a market capitalisation of ₹2,361 Cr.
Utkarsh Small Finance Bank operates in the Financials > Banks > Banks space (Small Finance Bank).
Utkarsh Small Finance Bank has a P/E of -1.6 and a return on equity of -40.03%.
Utkarsh Small Finance Bank is listed on the NSE under the symbol UTKARSHBNK and on the BSE under the scrip code 543942.
Utkarsh Small Finance Bank's share price is down 33.6% over one year and down 17.2% over three months. Its 52-week range is ₹10.12 to ₹22.03.
In Q1 FY27, Utkarsh Small Finance Bank reported revenue of ₹1,002 Cr and net profit of ₹-34 Cr, with basic EPS of ₹-0.19 (standalone, parsed from the company's exchange filing).
Data as of 25 Oct 2026. Descriptive market data only — not investment advice.