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Utkarsh Small Finance Bank Complete Financial Statements

9 Years of Data
2026 - 2018

In FY2026, Utkarsh Small Finance Bank (UTKARSHBNK) reported revenue ₹3,379 Cr, net profit ₹-1,151 Cr and EPS ₹-8.37, with a net profit margin of -34.1% and ROE of -38.7%. Full financial statements from FY2018 to FY2026 (9 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV. Explore Utkarsh Small Finance Bank intrinsic worth to estimate fundamental worth using multiple valuation models.

Complete Financial Data Export

Profitability Ratios

Net Profit Margin -34.06% 2026 data
Operating Margin -1.00% 2026 data
Return on Assets -4.09% 2026 data
Return on Equity -38.69% 2026 data

Balance Sheet Ratios

Current Ratio 0.15 2026 data
Equity Ratio 10.58% 2026 data
Asset Turnover 0.12 2026 data

UTKARSHBNK Revenue, Net Profit & EBITDA — Year-on-Year Growth

UTKARSHBNK YoY (March 2025 vs March 2026) — revenue -22.6%, net profit -4895.8%, EBITDA -100.0%, expenses +35.5%. For live price, earnings ratios and company overview, see Utkarsh Small Finance Bank stock price NSE.

Revenue Growth
-22.6%
Year-over-Year
Net Profit Growth
-4895.8%
Year-over-Year
EBITDA Growth
-100.0%
Year-over-Year
Expense Growth
+35.5%
Year-over-Year
Assets Growth
+17.7%
Year-over-Year
Equity Growth
+0.1%
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

UTKARSHBNK Income Statement — Revenue, EBITDA & Net Profit

Utkarsh Small Finance Bank revenue ₹3,379 Cr, EBITDA ₹0 Cr, net profit ₹-1,151 Cr, EPS ₹-8.37 (2026) — net profit margin -34.1%. Review Utkarsh Small Finance Bank P/E valuation to evaluate earnings-based valuation against sector peers.

Periods ₹ Crores
Particulars March 2026 March 2025 March 2024 March 2023 March 2022 March 2021 March 2020 March 2019 March 2018
Revenue 3,379 4,365 3,579 2,804 2,034 1,706 1,406 939 562
Expenses 3,414 2,519 1,562 1,234 1,125 783 551 392 390
EBITDA 0 104 725 595 121 181 276 165 -78
Operating Profit Margin % -1.00% 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 1,902 1,742 1,293 976 788 742 580 382 251
Profit Before Tax -1,507 28 659 536 80 151 250 149 -95
Tax -356 4 162 131 18 40 64 55 -32
Net Profit -1,151 24 498 405 62 112 187 94 -63
Earnings Per Share (₹) -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 ₹28,127 Cr, total equity ₹2,975 Cr, total liabilities ₹ Cr (2025) — ROE -38.7%.

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
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

UTKARSHBNK Cash Flow Statement — Operating, Investing & Financing

Utkarsh Small Finance Bank operating cash flow ₹876 Cr, investing ₹-777 Cr, financing ₹311 Cr, net cash flow ₹409 Cr (2025).

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