What the business is, and whether it's a good one at a fair price.
Operates as a small finance bank in India, taking deposits and lending primarily to retail customers including microfinance borrowers, small businesses, and commercial vehicle operators. The retail segment accounts for 84.4% of segment revenue (Rs 2,700 crore YTD as of December 2024) and includes joint liability group (JLG) loans, micro-banking business loans (MBBL), and secured retail lending. The bank has deliberately cut JLG exposure from ~88% to ~28% of the gross loan book while raising secured lending to 51% of the portfolio. Treasury contributes 9.7% (Rs 310 crore) from the investment book. Wholesale lending contributes 5.9% (Rs 188 crore) covering commercial vehicle and construction equipment loans. FY26 closed with a Rs 1,151 crore loss driven by microfinance asset quality stress, though Q4 FY26 saw fresh NPA slippages fall to ~Rs 170 crore (from ~Rs 710 crore YoY) and Q1 FY27 narrowed the loss to Rs 34 crore. The bank raised Rs 950 crore in equity in November 2025. The main cost is interest paid on deposits and borrowings, with cost of funds at 7.9% in Q4 FY26.
Measured from the filed financials, judged against its Other Bank peers · as of FY26 — not investment advice
Not enough history to assess.How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Answered from UTKARSH SMALL FIN BANK L's filed financials and exchange disclosures
UTKARSH SMALL FIN BANK L is a Banks company listed on NSE and BSE, trading under the symbol UTKARSHBNK.
No. Over the trailing twelve months UTKARSH SMALL FIN BANK L reported a net loss of ₹945 Cr.
Not in the latest reported year — UTKARSH SMALL FIN BANK L's dividend payout for FY26 was nil.
No..
On a typical session UTKARSH SMALL FIN BANK L moves 1.33% — that is the median absolute close-to-close move across its last 268 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by UTKARSH SMALL FIN BANK L appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
