Utkarsh Small Finance Bank Complete Financial Statements
In FYNone, Utkarsh Small Finance Bank (UTKARSHBNK) reported revenue ₹3,794 Cr, net profit ₹-945 Cr and EPS ₹-6.90, with a net profit margin of -30.2% and ROE of -41.5%. Full financial statements from FY2018 to FY2026 (9 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV.
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Profitability Ratios
Balance Sheet Ratios
UTKARSHBNK Revenue, Net Profit & EBITDA — Year-on-Year Growth
UTKARSHBNK YoY (March 2026 vs Period) — revenue -0.4%, net profit +17.9%, EBITDA +13.7%, expenses -5.8%. Compare with Utkarsh Small Finance Bank valuation methods to assess whether the stock is under or overvalued.
UTKARSHBNK Income Statement — Revenue, EBITDA & Net Profit
Utkarsh Small Finance Bank revenue ₹3,794 Cr, EBITDA ₹-1,233 Cr, net profit ₹-945 Cr, EPS ₹-6.90 (None) — net profit margin -30.2%. For live price, earnings ratios and company overview, see Utkarsh Small Finance Bank stock price NSE.
| Particulars | None | March 2026 | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 | March 2019 | March 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,794 | 3,810 | 4,365 | 3,579 | 2,804 | 2,034 | 1,706 | 1,406 | 939 | 562 |
| Expenses | 3,142 | 3,337 | 2,519 | 1,562 | 1,234 | 1,125 | 783 | 551 | 392 | 390 |
| EBITDA | -1,233 | -1,429 | 104 | 725 | 595 | 121 | 181 | 276 | 165 | -78 |
| Operating Profit Margin % | 7.00% | 1.00% | 33.00% | 51.00% | 51.00% | 39.00% | 50.00% | 58.00% | 56.00% | 25.00% |
| Depreciation | 0 | 77 | 77 | 65 | 59 | 41 | 30 | 25 | 16 | 16 |
| Interest | 1,884 | 1,902 | 1,742 | 1,293 | 976 | 788 | 742 | 580 | 382 | 251 |
| Profit Before Tax | -1,233 | -1,507 | 28 | 659 | 536 | 80 | 151 | 250 | 149 | -95 |
| Tax | -288 | -356 | 4 | 162 | 131 | 18 | 40 | 64 | 55 | -32 |
| Net Profit | -945 | -1,151 | 24 | 498 | 405 | 62 | 112 | 187 | 94 | -63 |
| Earnings Per Share (₹) | -6.90 | -8.37 | 0.22 | 4.79 | 4.52 | 0.70 | 1.46 | 2.49 | 1.37 | -0.92 |
UTKARSHBNK Balance Sheet — Assets, Liabilities & Shareholders' Equity
UTKARSHBNK total assets ₹28,869 Cr, total equity ₹2,776 Cr, total liabilities ₹ Cr (2026) — ROE -41.5%.
| Particulars | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| ASSETS | |||||||||
| Total Assets | 28,869 | 28,127 | 23,903 | 19,117 | 15,064 | 12,138 | 9,404 | 6,239 | 4,524 |
| Current Assets | 2,954 | 3,949 | 3,442 | 2,799 | 2,109 | 1,368 | 1,761 | 604 | 639 |
| Fixed Assets | 333 | 324 | 301 | 302 | 286 | 125 | 110 | 87 | 87 |
| Capital Work in Progress | 125 | 63 | 10 | 2 | 1 | 56 | 22 | 3 | 1 |
| Investments | 6,914 | 4,958 | 3,680 | 2,859 | 2,348 | 2,314 | 1,192 | 862 | 661 |
| Other Assets | 21,497 | 22,783 | 19,912 | 15,955 | 12,429 | 9,643 | 8,081 | 5,287 | 3,775 |
| LIABILITIES | |||||||||
| Total Liabilities | |||||||||
| Current Liabilities | 27,259 | 26,895 | 22,441 | 18,060 | 14,218 | 11,484 | 8,930 | 5,994 | 4,395 |
| Non-Current Liabilities | |||||||||
| SHAREHOLDERS' EQUITY | |||||||||
| Total Equity | 2,776 | 2,975 | 2,973 | 2,000 | 1,572 | 1,368 | 1,020 | 773 | 412 |
| Share Capital | 1,780 | 1,102 | 1,100 | 896 | 896 | 848 | 759 | 737 | 470 |
| Reserves & Surplus | 996 | 1,873 | 1,874 | 1,104 | 677 | 520 | 260 | 36 | -58 |
UTKARSHBNK Cash Flow Statement — Operating, Investing & Financing
Utkarsh Small Finance Bank operating cash flow ₹781 Cr, investing ₹-3,309 Cr, financing ₹1,413 Cr, net cash flow ₹-1,115 Cr (2026).
| Particulars | March 2026 | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 | March 2019 |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | 781 | 876 | 991 | 1,573 | 1,329 | -84 | 115 | 211 |
| Investing Activities | -3,309 | -777 | -620 | -693 | -739 | -533 | -322 | -171 |
| Financing Activities | 1,413 | 311 | 140 | -235 | 111 | 172 | 1,304 | -92 |
| Net Cash Flow | -1,115 | 409 | 511 | 645 | 702 | -444 | 1,097 | -52 |