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Financials Ratios
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Utkarsh Small Finance Bank Ltd.
BSE CODE: 543942   |   NSE CODE: UTKARSHBNK   |   ISIN CODE : INE735W01017   |   14-Aug-2025 Hrs IST
BSE NSE
Rs. 20.48
-0.18 ( -0.87% )
 
Prev Close ( Rs.)
20.66
Open ( Rs.)
20.70
 
High ( Rs.)
20.79
Low ( Rs.)
20.45
 
Volume
147917
Week Avg.Volume
203927
 
52 WK High-Low Range(Rs.)
BSE NSE
Rs. 20.45
-0.19 ( -0.92% )
 
Prev Close ( Rs.)
20.64
Open ( Rs.)
20.64
 
High ( Rs.)
20.79
Low ( Rs.)
20.42
 
Volume
573655
Week Avg.Volume
1282118
 
52 WK High-Low Range(Rs.)
19.9
51.36
Particulars Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Operational & Financial Ratios          
   Earnings Per Share (Rs)0.22  4.53  4.52  0.69  1.32  
   DPS(Rs)0.00  0.50  0.00  0.00  0.00  
   Book NAV/Share(Rs)26.60  26.85  22.13  17.49  16.13  
Margin Ratios          
   Yield on Advances20.12  19.42  19.17  18.08  19.24  
   Yield on Investments5.85  5.69  5.21  6.48  7.08  
   Cost of Liabilities7.28  6.64  6.08  6.23  7.33  
   NIM7.46  8.17  8.29  7.34  7.17  
   Interest Spread12.83  12.78  13.09  11.84  11.91  
Performance Ratios          
   ROA(%)0.09  2.31  2.37  0.45  1.04  
   ROE(%)0.81  20.17  22.80  4.19  9.37  
   ROCE(%)3.97  17.84  17.13  7.19  10.78  
Efficiency Ratios          
   Cost Income Ratio61.61  56.38  54.15  58.90  55.43  
   Core Cost Income Ratio61.84  56.38  54.15  58.77  56.29  
   Operating Costs to Assets5.74  5.39  5.18  4.87  4.49  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  0  0  0  0  
Valuation Parameters          
   PER(x)102.37  10.35  0.00  0.00  0.00  
   PCE(x)24.19  9.15  0.00  0.00  0.00  
   Price/Book(x)0.83  1.75  0.00  0.00  0.00  
   Yield(%)0.00  1.07  0  0  0  
   EV/Net Sales(x)1.27  2.25  1.30  1.88  2.19  
   EV/Core EBITDA(x)4.75  7.17  3.87  6.77  7.88  
   EV/EBIT(x)2.70  3.66  2.15  4.00  3.87  
   EV/CE(x)0.90  1.44  0.75  0.84  0.87  
   M Cap / Sales0.64  1.62  0.00  0.00  0.00  
Growth Ratio          
   Core Operating Income Growth7.27  23.33  44.13  26.41  15.25  
   Operating Profit Growth-170.74  -43.87  37.86  -19.98  -78.57  
   Net Profit Growth-95.24  23.02  558.13  -45.03  -40.12  
   BVPS Growth-0.90  21.33  -99.87  0.00  20.13  
   Advances Growth14.37  25.22  27.77  24.48  30.81  
   EPS Growth(%)-95.25  0.25  557.85  -47.93  -46.41  
Liquidity Ratios          
   Loans/Deposits(x)0.11  0.11  0.17  0.26  0.35  
   Cash / Deposits(x)0.12  0.07  0.09  0.18  0.04  
   Investment / Deposits(x)0.23  0.21  0.21  0.23  0.31  
   IncLoan / Deposits(x)10.92  11.42  17.14  25.53  34.74  
   Credit/Deposits(%)86.79  93.66  95.32  101.53  109.45  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)4.84  0.03  0.39  2.31  1.33