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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. The Bank’s product portfolio includes asset products that it advances to customers located primarily in unbanked and underbanked areas and liability products in the form of deposits that it sources from customers across regions. Its segments include Corporate/ Wholesale Banking, Retail Banking, Treasury and Other Banking Operations. Its Corporate/ Wholesale Banking segment includes lending, deposits and other banking services provided to corporate customers of the Bank. Its Retail Banking segment includes lending, deposits and other banking services provided to retail customers of the Bank through a branch network. Its 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 | 25.52bn | 5.97k | 6.53 | -- | -- | 0.8998 | 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 | 1.62bn | 917.94m | 32.30bn | 2.68k | 35.21 | -- | -- | 2.18 | 11.02 | 11.02 | 177.73 | -- | -- | -- | -- | -- | -- | 2.33 | -- | -- | -- | -- | 6.20 | 3.62 | -- | -- | -- | 0.00 | 58.17 | 50.94 | 32.48 | -- | 49.75 | -- |
| DCB Bank Ltd | 56.14bn | 5.40bn | 37.69bn | 11.33k | 7.02 | -- | -- | 1.53 | 17.12 | 17.12 | 78.07 | -- | -- | -- | -- | -- | -- | 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 | 50.11bn | 16.08k | 9.52 | -- | -- | 2.05 | 4.78 | 4.78 | 22.22 | -- | -- | -- | -- | -- | -- | 1.78 | -- | -- | -- | -- | 21.53 | 17.60 | -- | -- | -- | 0.00 | 26.88 | 29.31 | 23.02 | 39.59 | 17.84 | -- |
| CSB Bank Ltd | 30.76bn | 5.48bn | 54.22bn | 7.86k | 10.15 | -- | -- | 2.56 | 31.58 | 31.58 | 122.00 | -- | -- | -- | -- | -- | -- | 1.46 | -- | -- | -- | -- | 25.89 | 24.82 | -- | -- | -- | 0.00 | 26.21 | 16.79 | 3.56 | -- | 39.21 | -- |
| Jana Small Finance Bank Ltd | 42.95bn | 7.50bn | 60.85bn | 21.80k | 8.13 | -- | -- | 2.06 | 71.52 | 71.52 | 281.03 | -- | -- | -- | -- | -- | -- | 1.04 | -- | -- | -- | -- | 25.44 | 10.73 | -- | -- | -- | -- | 30.51 | 26.26 | 161.57 | -- | -0.0433 | -- |
| South Indian Bank Ltd | 89.02bn | 11.62bn | 64.39bn | 9.65k | 4.89 | 0.7031 | -- | 1.30 | 5.03 | 5.03 | 21.38 | 35.00 | -- | -- | -- | -- | 1.02 | 0.4083 | -- | -- | -- | -- | 23.39 | 10.88 | -- | -- | -- | 6.87 | 19.07 | 4.61 | 38.03 | 34.02 | 13.24 | 5.49 |
| Equitas Small Finance Bank Ltd | 57.33bn | 6.34bn | 93.35bn | 22.59k | 14.81 | -- | -- | 2.35 | 5.53 | 5.53 | 34.55 | -- | -- | -- | -- | -- | -- | 1.67 | -- | -- | -- | -- | 15.94 | 16.70 | -- | -- | -- | 9.84 | 31.83 | 20.94 | 39.29 | 30.57 | 47.75 | -- |
| Jammu and Kashmir Bank Ltd | 115.50bn | 18.58bn | 115.23bn | 12.42k | 6.05 | 0.9084 | -- | 1.89 | 17.30 | 17.30 | 56.95 | 115.19 | -- | -- | -- | -- | 1.26 | 0.43 | -- | -- | -- | -- | 30.51 | 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 Aug 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 Aug 2024 | 16.92m | 1.54% |
| SBI Life Insurance Co. Ltd. (Investment Portfolio)as of 30 Jun 2024 | 5.03m | 0.46% |
| Edelweiss Asset Management Ltd.as of 31 Aug 2024 | 2.90m | 0.26% |
| Bank of India Investment Managers Pvt Ltd.as of 31 Aug 2024 | 2.80m | 0.25% |
| Motilal Oswal Asset Management Co. Ltd.as of 31 Aug 2024 | 566.00k | 0.05% |
| LIC Mutual Fund Asset Management Ltd.as of 31 Aug 2024 | 489.07k | 0.04% |
| American Century Investment Management, Inc.as of 05 Sep 2024 | 160.07k | 0.02% |
| Groww Asset Management Ltd.as of 31 Aug 2024 | 2.69k | 0.00% |
