Utkarsh Small Finance Bank Complete Financial Statements
UTKARSHBNK • Review detailed financials to uncover trends, confirm thesis & journal trades
8 Years of Data
2025 - 2018
Complete Financial Data Export
Export complete financial statements for Utkarsh Small Finance Bank (UTKARSHBNK).
Downloads include all available records across all periods.
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Profitability Ratios
Net Profit Margin
0.55%
2025 data
EBITDA Margin
2.38%
2025 data
Operating Margin
33.00%
2025 data
Return on Assets
0.09%
2025 data
Return on Equity
0.81%
2025 data
Balance Sheet Ratios
Current Ratio
0.15
2025 data
Debt to Equity
9.45
2025 data
Equity Ratio
10.58%
2025 data
Asset Turnover
0.16
2025 data
Year-over-Year Growth Analysis
Comparing March 2025 vs Period
Revenue Growth
-4.7%
Year-over-Year
Net Profit Growth
-3237.5%
Year-over-Year
EBITDA Growth
-1072.1%
Year-over-Year
Expense Growth
+30.3%
Year-over-Year
Assets Growth
+17.7%
Year-over-Year
Equity Growth
+0.1%
Year-over-Year
Liabilities Growth
+17.7%
Year-over-Year
Operating Cash Flow Growth
-11.6%
Year-over-Year
Investing Cash Flow Growth
-25.3%
Year-over-Year
Financing Cash Flow Growth
+122.1%
Year-over-Year
Income Statement
Periods
₹ Crores
| Particulars | None | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 | March 2019 | March 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4,161 | 4,365 | 3,579 | 2,804 | 2,034 | 1,706 | 1,406 | 939 | 562 |
| Expenses | 3,282 | 2,519 | 1,562 | 1,234 | 1,125 | 783 | 551 | 392 | 390 |
| EBITDA | -1,011 | 104 | 725 | 595 | 121 | 181 | 276 | 165 | -78 |
| Operating Profit Margin % | 7.00% | 33.00% | 51.00% | 51.00% | 39.00% | 50.00% | 58.00% | 56.00% | 25.00% |
| Depreciation | 0 | 77 | 65 | 59 | 41 | 30 | 25 | 16 | 16 |
| Interest | 1,889 | 1,742 | 1,293 | 976 | 788 | 742 | 580 | 382 | 251 |
| Profit Before Tax | -1,011 | 28 | 659 | 536 | 80 | 151 | 250 | 149 | -95 |
| Tax | -258 | 4 | 162 | 131 | 18 | 40 | 64 | 55 | -32 |
| Net Profit | -753 | 24 | 498 | 405 | 62 | 112 | 187 | 94 | -63 |
| Earnings Per Share (₹) | -6.80 | 0.22 | 4.79 | 4.52 | 0.70 | 1.46 | 2.49 | 1.37 | -0.92 |
Related Pages for Utkarsh Small Finance Bank
Additional stock information and data for UTKARSHBNK
Balance Sheet
Years
Annual Data
₹ Crores
| Particulars | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||
| Total Assets | 28,127 | 23,903 | 19,117 | 15,064 | 12,138 | 9,404 | 6,239 | 4,524 |
| Current Assets | 3,949 | 3,442 | 2,799 | 2,109 | 1,368 | 1,761 | 604 | 639 |
| Fixed Assets | 324 | 301 | 302 | 286 | 125 | 110 | 87 | 87 |
| Capital Work in Progress | 63 | 10 | 2 | 1 | 56 | 22 | 3 | 1 |
| Investments | 4,958 | 3,680 | 2,859 | 2,348 | 2,314 | 1,192 | 862 | 661 |
| Other Assets | 22,783 | 19,912 | 15,955 | 12,429 | 9,643 | 8,081 | 5,287 | 3,775 |
| LIABILITIES | ||||||||
| Total Liabilities | 28,127 | 23,903 | 19,117 | 15,064 | 12,138 | 9,404 | 6,239 | 4,524 |
| Current Liabilities | 26,895 | 22,441 | 18,060 | 14,218 | 11,484 | 8,930 | 5,994 | 4,395 |
| Non-Current Liabilities | ||||||||
| SHAREHOLDERS' EQUITY | ||||||||
| Total Equity | 2,975 | 2,973 | 2,000 | 1,572 | 1,368 | 1,020 | 773 | 412 |
| Share Capital | 1,102 | 1,100 | 896 | 896 | 848 | 759 | 737 | 470 |
| Reserves & Surplus | 1,873 | 1,874 | 1,104 | 677 | 520 | 260 | 36 | -58 |
Cash Flow Statement
Periods
₹ Crores
| Particulars | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 | March 2019 |
|---|---|---|---|---|---|---|---|
| Operating Activities | 876 | 991 | 1,573 | 1,329 | -84 | 115 | 211 |
| Investing Activities | -777 | -620 | -693 | -739 | -533 | -322 | -171 |
| Financing Activities | 311 | 140 | -235 | 111 | 172 | 1,304 | -92 |
| Net Cash Flow | 409 | 511 | 645 | 702 | -444 | 1,097 | -52 |