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About the company
Utkarsh Small Finance Bank Limited (the Bank) is an India-based small finance bank. The Bank is engaged in providing banking and financial services with a focus on providing microfinance to the underserved and unserved sections of the country. Its lending activities are primarily focused in rural and semi-urban locations of the country, while its other services are spread across the country. Its segments include Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. The Corporate/Wholesale Banking segment includes lending, deposits, and other banking services provided to corporate customers of the Bank. The Retail Banking segment includes lending, deposits, and other banking services provided to retail customers of the Bank through a branch network. The Treasury segment includes dealings in statutory liquidity ratio (SLR) and non-SLR investments, maintenance of reserve requirements, and resource mobilization from other banks and financial institutions.
- Revenue in INR (TTM)34.24bn
- Net income in INR5.28bn
- Incorporated2016
- Employees16.08k
- LocationUtkarsh Small Finance Bank LtdVARANASI 221105IndiaIND
- Phone+91 5 426605555
- Websitehttps://utkarsh.bank
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ESAF Small Finance Bank Limited | 39.42bn | 3.58bn | 22.03bn | 5.97k | 5.64 | -- | -- | 0.7766 | 7.59 | 7.59 | 58.36 | -- | -- | -- | -- | -- | -- | 1.41 | -- | -- | -- | -- | 12.63 | 13.05 | -- | -- | -- | -- | 33.81 | 29.92 | 40.76 | 36.36 | 13.36 | -- |
| FINO Payments Bank Ltd | 1.74bn | 934.24m | 29.56bn | 2.68k | 31.70 | 4.28 | -- | 1.88 | 11.20 | 11.20 | 188.32 | 83.06 | -- | -- | -- | -- | 2.84 | 2.33 | -- | -- | -- | -- | 5.95 | 3.62 | -- | -- | -- | 0.00 | 58.17 | 50.94 | 32.48 | -- | 49.75 | -- |
| DCB Bank Ltd | 58.76bn | 5.69bn | 37.18bn | 11.33k | 6.58 | 0.6949 | -- | 1.43 | 18.02 | 18.02 | 82.17 | 170.65 | -- | -- | -- | -- | 0.8986 | 0.8736 | -- | -- | -- | -- | 21.93 | 20.15 | -- | -- | -- | -- | 27.66 | 12.01 | 15.12 | 10.50 | 11.58 | 4.56 |
| Utkarsh Small Finance Bank Ltd | 34.24bn | 5.28bn | 41.67bn | 16.08k | 7.91 | -- | -- | 1.70 | 4.78 | 4.78 | 22.22 | -- | -- | -- | -- | -- | -- | 1.78 | -- | -- | -- | -- | 21.53 | 17.60 | -- | -- | -- | 0.00 | 26.88 | 29.31 | 23.02 | 39.59 | 17.84 | -- |
| Jana Small Finance Bank Ltd | 44.82bn | 7.24bn | 43.77bn | 21.80k | 6.07 | 1.13 | -- | 1.45 | 68.92 | 68.92 | 287.91 | 369.16 | -- | -- | -- | -- | 2.35 | 1.04 | -- | -- | -- | -- | 23.90 | 10.73 | -- | -- | -- | -- | 30.51 | 26.26 | 161.57 | -- | -0.0433 | -- |
| CSB Bank Ltd | 32.54bn | 5.53bn | 53.64bn | 7.86k | 9.95 | 1.33 | -- | 2.45 | 31.88 | 31.88 | 126.30 | 238.68 | -- | -- | -- | -- | 1.56 | 1.46 | -- | -- | -- | -- | 25.24 | 24.82 | -- | -- | -- | 0.00 | 26.21 | 16.79 | 3.56 | -- | 39.21 | -- |
| South Indian Bank Ltd | 91.28bn | 12.11bn | 60.99bn | 9.65k | 4.60 | 0.6488 | -- | 1.19 | 5.07 | 5.07 | 21.25 | 35.93 | -- | -- | -- | -- | 1.04 | 0.4083 | -- | -- | -- | -- | 23.70 | 10.88 | -- | -- | -- | 6.87 | 19.07 | 4.61 | 38.03 | 34.02 | 13.24 | 5.49 |
| Equitas Small Finance Bank Ltd | 59.29bn | 4.48bn | 73.95bn | 22.59k | 16.63 | 1.24 | -- | 1.82 | 3.90 | 3.90 | 35.12 | 52.24 | -- | -- | -- | -- | 1.01 | 1.67 | -- | -- | -- | -- | 11.02 | 16.70 | -- | -- | -- | 9.84 | 31.83 | 20.94 | 39.29 | 30.57 | 47.75 | -- |
| Jammu and Kashmir Bank Ltd | 119.10bn | 20.27bn | 109.67bn | 12.42k | 5.35 | 0.8242 | -- | 1.74 | 18.60 | 18.60 | 57.97 | 120.83 | -- | -- | -- | -- | 1.33 | 0.43 | -- | -- | -- | -- | 32.20 | 10.94 | -- | -- | -- | -- | 19.86 | 7.88 | 50.04 | 30.73 | 2.44 | -- |
| Holder | Shares | % Held |
|---|---|---|
| Mirae Asset Investment Managers (India) Pvt Ltd.as of 31 Oct 2024 | 62.10m | 5.64% |
| Bharti Axa Life Insurance Co. Ltd.as of 18 Jul 2023 | 23.58m | 2.14% |
| Aditya Birla Sun Life Amc Ltd. (Investment Management)as of 31 Oct 2024 | 12.94m | 1.18% |
| SBI Life Insurance Co. Ltd. (Investment Portfolio)as of 31 Aug 2024 | 1.06m | 0.10% |
| Motilal Oswal Asset Management Co. Ltd.as of 31 Oct 2024 | 937.64k | 0.09% |
| American Century Investment Management, Inc.as of 03 Oct 2024 | 316.22k | 0.03% |
| SSgA Funds Management, Inc.as of 03 Oct 2024 | 183.24k | 0.02% |
| Groww Asset Management Ltd.as of 30 Sep 2024 | 3.25k | 0.00% |
| Bandhan AMC Ltd.as of 30 Sep 2024 | 475.00 | 0.00% |
| Edelweiss Asset Management Ltd.as of 30 Sep 2024 | 0.00 | 0.00% |
