Utkarsh Small Finance Bank Ltd Share Price ₹13.1

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Utkarsh Small Finance Bank Ltd

Quarter-by-quarter operating performance

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue +	691	720	756	806	896	966	987	932	880	881	840	821	837
Interest	282	298	315	324	356	393	429	452	468	479	490	473	461
Expenses +	305	369	392	413	452	492	593	824	687	858	913	920	724
Financing Profit	105	53	49	69	88	82	-35	-343	-276	-457	-562	-571	-347
Financing Margin %	15%	7%	7%	9%	10%	8%	-4%	-37%	-31%	-52%	-67%	-70%	-42%
Other Income +	69	92	105	83	121	105	103	105	287	138	97	81	115
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	174	145	154	152	208	186	68	-238	11	-319	-465	-491	-232
Tax %	23%	26%	26%	24%	23%	26%	24%	-29%	74%	-25%	-25%	-24%	-19%
Net Profit +	134	108	114	116	160	137	51	-168	3	-239	-348	-375	-188
EPS in Rs	0.92	0.74	0.65	0.65	0.90	0.77	0.29	-0.94	0.02	-1.35	-1.96	-2.11	-1.06
Gross NPA %	3.23%	3.13%	2.81%	3.04%	2.51%	2.78%	3.88%	6.17%	9.43%	11.42%	12.42%	11.05%	7.71%
Net NPA %	0.39%	0.33%	0.16%	0.19%	0.03%	0.26%	0.89%	2.50%	4.84%	5.00%	5.02%	4.48%	3.29%

Financials of Utkarsh Small Finance Bank Ltd

Annual income statement trend

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue +	519	881	1,308	1,581	1,849	2,505	3,178	3,765	3,379
Interest	251	382	579	742	788	976	1,293	1,742	1,902
Expenses +	374	392	551	783	1,125	1,234	1,561	2,518	3,414
Financing Profit	-106	107	177	56	-64	295	324	-496	-1,938
Financing Margin %	-20%	12%	14%	4%	-3%	12%	10%	-13%	-57%
Other Income +	43	58	99	125	185	299	400	600	431
Depreciation	0	16	25	30	41	59	65	77	0
Profit before tax	-63	149	250	151	80	536	659	28	-1,507
Tax %	0%	37%	25%	26%	23%	25%	25%	14%	-24%
Net Profit +	-63	94	187	112	61	404	498	24	-1,151
EPS in Rs	-0.83	0.79	1.52	0.82	0.42	2.80	2.80	0.13	-6.47
Dividend Payout %	0%	0%	0%	0%	0%	0%	11%	0%	0%

Financials of Utkarsh Small Finance Bank Ltd

Capital structure and asset base

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	470	737	759	848	896	896	1,099	1,102	1,780
Reserves	-58	36	260	520	677	1,104	1,874	1,873	941
Deposits	2,194	3,941	5,235	7,508	10,074	13,710	17,473	21,566	21,654
Borrowing	1,789	1,280	2,675	2,608	2,572	2,349	1,995	2,355	2,829
Other Liabilities +	129	245	475	654	845	1,057	1,462	1,232	1,665
Total Liabilities	4,524	6,239	9,404	12,138	15,064	19,117	23,903	28,127	28,869
Fixed Assets +	87	87	110	125	286	301	301	324	458
CWIP	0	3	22	56	1	2	10	63	0
Investments	661	862	1,192	2,314	2,348	2,859	3,679	4,958	6,914
Other Assets +	3,775	5,287	8,081	9,643	12,429	15,955	19,912	22,783	21,497
Total Assets	4,524	6,239	9,404	12,138	15,064	19,117	23,903	28,127	28,869

Financials of Utkarsh Small Finance Bank Ltd

Operating, investing and financing cash movement

	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity +	211	115	-83	1,329	1,573	991	876	781
Cash from Investing Activity +	-171	-322	-532	-739	-693	-620	-777	-3,309
Cash from Financing Activity +	-92	1,304	172	111	-235	140	310	1,412
Net Cash Flow	-52	1,097	-444	702	645	511	409	-1,115
Free Cash Flow	194	70	-163	1,183	1,498	921	718	638
CFO/OP	44%	27%	2%	191%	129%	65%	61%	-2,205%

Financials of Utkarsh Small Finance Bank Ltd

Working capital efficiency and return ratios

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	-15%	16%	21%	9%	4%	23%	20%	1%	-40%