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COMPANY PROFILE

UTKARSH SMALL FINANCE BANK LTD.

NSE : UTKARSHBNKBSE : 543942ISIN CODE : INE735W01017Industry : Bank - Private MCap (Rs. in Mn) : 22333.02 Face Value (Rs.) : 10 House : Private
BSECurrent Price (Rs.) 12.55Change (Rs.)-0.49 (-3.76 %)
PREV CLOSE (Rs.) 13.04
OPEN PRICE (Rs.) 13.09
BID PRICE (QTY) 12.53 (4608)
OFFER PRICE (QTY) 12.56 (2885)
VOLUME 292803
TODAY'S LOW / HIGH (Rs.)12.54 13.12
52 WK LOW / HIGH (Rs.)10.15 22.02
NSECurrent Price (Rs.) 12.55Change (Rs.)-0.5 (-3.83 %)
PREV CLOSE( Rs. ) 13.05
OPEN PRICE (Rs.) 13.18
BID PRICE (QTY) 12.55 (2457)
OFFER PRICE (QTY) 0.00 (0)
VOLUME 6661123
TODAY'S LOW / HIGH(Rs.) 12.46 13.18
52 WK LOW / HIGH (Rs.)10.12 22.03
GO

Balance Sheet

Select year
(Rs.in Crore)
Particulars
Mar 2026
Mar 2025
Mar 2024
Mar 2023
Mar 2022
SOURCES OF FUNDS:
  
  
  
  
  
Share Capital
1779.52  
1101.61  
1099.46  
895.90  
895.52  
    Equity - Authorised
1800.00  
1800.00  
1300.00  
1300.00  
1300.00  
    Equity - Issued
1779.52  
1101.61  
1099.46  
895.90  
895.52  
    Equity Paid Up
1779.52  
1101.61  
1099.46  
895.90  
895.52  
    Equity Shares Forfeited
0.00  
0.00  
0.00  
0.00  
0.00  
    Adjustments to Equity
0.00  
0.00  
0.00  
0.00  
0.00  
    Preference Capital Paid Up
0.00  
0.00  
0.00  
0.00  
0.00  
    Face Value
1.00  
1.00  
1.00  
1.00  
1.00  
Share Warrants & Outstandings
54.63  
43.71  
21.60  
18.04  
6.36  
Total Reserves
941.45  
1829.18  
1852.13  
1086.37  
670.41  
    Securities Premium
820.83  
560.93  
554.28  
286.15  
285.20  
    Capital Reserves
38.73  
15.70  
9.02  
9.02  
9.02  
    Profit & Loss Account Balances
-271.39  
879.24  
936.70  
569.41  
253.72  
    General Reserves
5.06  
1.72  
0.00  
0.00  
0.00  
    Other Reserves
348.22  
371.59  
352.14  
221.79  
122.47  
Reserve excluding Revaluation Reserve
941.45  
1829.18  
1852.13  
1086.37  
670.41  
Revaluation Reserves
0.00  
0.00  
0.00  
0.00  
0.00  
Deposits
21653.98  
21565.70  
17472.60  
13710.14  
10074.18  
    Demand Deposits
796.15  
644.27  
556.86  
384.00  
362.48  
    Savings Deposit
4399.84  
4054.89  
3025.45  
2479.73  
1890.81  
    Term Deposits / Fixed Deposits
16457.99  
16866.54  
13890.29  
10846.40  
7820.90  
    Current Deposits
0.00  
0.00  
0.00  
0.00  
0.00  
    Recurring Deposits
0.00  
0.00  
0.00  
0.00  
0.00  
    Other Deposits
0.00  
0.00  
0.00  
0.00  
0.00  
Borrowings
2829.44  
2354.77  
1995.08  
2349.48  
2571.94  
    Borrowings From Reserve Bank of India
300.00  
0.00  
150.00  
150.00  
237.00  
    Borrowings From Other Banks
511.08  
6.00  
5.77  
9.49  
11.63  
    Borrowings From GOI
0.00  
0.00  
0.00  
0.00  
0.00  
    Borrowings From Other Financial Institutions
1518.36  
1833.76  
1629.31  
1954.99  
1938.31  
    Borrowings in the form of Bonds / Debentures
500.00  
515.00  
210.00  
235.00  
235.00  
    Borrowings in Other Form
0.00  
0.00  
0.00  
0.00  
0.00  
    Borrowings From Out of India
0.00  
0.00  
0.00  
0.00  
150.00  
Other Liabilities & Provisions
1610.05  
1232.47  
1461.81  
1057.36  
845.36  
    Bills Payable
138.68  
129.66  
183.98  
147.23  
43.65  
    Inter-office adjustment Liabilities
0.00  
0.00  
0.00  
0.00  
0.00  
    Interest Accrued
1032.48  
736.20  
599.56  
407.86  
382.25  
    Proposed Dividend
0.00  
0.00  
0.00  
0.00  
0.00  
    Corporate dividend tax payable
0.00  
0.00  
0.00  
0.00  
0.00  
    Other Liabilities & Provisions
438.89  
366.61  
678.26  
502.26  
419.46  
Total Liabilities
28869.07  
28127.44  
23902.68  
19117.29  
15063.77  
APPLICATION OF FUNDS :
  
  
  
  
  
Cash and balance with Reserve Bank of India
1692.14  
2638.28  
1246.90  
1192.06  
1797.90  
    Cash with RBI
1593.11  
2559.01  
1167.88  
1044.73  
1714.63  
    Cash in hand & others
99.04  
79.27  
79.02  
147.33  
83.27  
Balances with banks and money at call
629.08  
798.34  
1780.57  
1324.31  
73.75  
Investments
6914.05  
4957.89  
3679.47  
2859.42  
2347.92  
Investments in India
6914.05  
4957.89  
3679.47  
2859.42  
2347.92  
    GOI/State Govt. Securities
6810.45  
4220.11  
3331.63  
2560.36  
2048.45  
    Equity Shares - Corporate
4.43  
6.79  
0.00  
0.00  
0.00  
    Debentures & Bonds
0.00  
0.00  
0.00  
0.00  
0.00  
    Subsidiaries and/or joint ventures/Associates
0.00  
0.00  
0.00  
0.00  
0.00  
    Units - MF/ Insurance/CP/PTC
0.00  
0.00  
0.00  
0.00  
299.47  
    Other Investments
99.17  
730.99  
347.83  
299.07  
0.00  
Investments outside India
0.00  
0.00  
0.00  
0.00  
0.00  
    Government securities
0.00  
0.00  
0.00  
0.00  
0.00  
    Subsidiaries and/or joint ventures abroad
0.00  
0.00  
0.00  
0.00  
0.00  
    Other investments outside India
0.00  
0.00  
0.00  
0.00  
0.00  
    Less: Prov for Diminution in Value of Invest.
0.00  
0.00  
0.00  
0.00  
0.00  
Advances
18069.59  
18716.48  
16364.81  
13068.77  
10228.15  
    Bills Purchased & Discounted
304.26  
0.00  
0.00  
0.00  
0.00  
    Cash Credit, Over Draft & Loans repayable
953.52  
685.74  
462.80  
411.27  
112.33  
    Term Loans
16811.81  
18030.74  
15902.01  
12657.50  
10115.82  
    Finance lease and hire purchase receivable
0.00  
0.00  
0.00  
0.00  
0.00  
    Advances Others
0.00  
0.00  
0.00  
0.00  
0.00  
Gross block
685.34  
630.65  
538.72  
482.11  
413.30  
    Premises
132.43  
112.25  
112.25  
112.25  
112.25  
    Assets Given on Lease
16.56  
28.92  
27.33  
26.27  
24.22  
    Other Fixed Assets
536.36  
489.48  
399.15  
343.59  
276.83  
Less: Accumulated Depreciation
352.64  
306.74  
237.43  
180.62  
127.69  
Less: Impairment of Assets
0.00  
0.00  
0.00  
0.00  
0.00  
Net Block
332.70  
323.92  
301.29  
301.49  
285.61  
Lease Adjustment
0.00  
0.00  
0.00  
0.00  
0.00  
Capital Work in Progress
125.13  
63.00  
10.28  
1.83  
0.92  
Other Assets
1106.38  
629.53  
519.36  
369.42  
329.52  
    Inter-office adjustment Assets
0.00  
0.00  
0.00  
0.00  
0.00  
    Interest Accrued Assets
274.68  
198.90  
164.91  
124.91  
93.19  
    Tax paid in advance/TDS
3.07  
58.86  
8.35  
0.00  
0.00  
    Stationery and stamps
0.00  
0.00  
0.00  
0.00  
0.00  
    Non-banking assets acquired
0.00  
0.00  
0.00  
0.00  
0.00  
    Deferred tax asset
473.16  
117.34  
105.10  
87.09  
92.66  
    Miscellaneous Expenditure not written off
0.00  
0.00  
0.00  
0.00  
0.00  
    Assets Others
355.47  
254.43  
240.99  
157.41  
143.67  
Total Assets
28869.07  
28127.44  
23902.68  
19117.29  
15063.77  
Contingent Liabilities
76.80  
89.43  
76.67  
63.35  
56.42  
    Claims not acknowledged as debts
0.00  
0.00  
0.00  
0.00  
0.00  
    Outstanding forward exchange contracts
0.00  
0.00  
0.00  
0.00  
0.00  
    Guarantees given in India
32.06  
30.82  
26.24  
25.51  
17.33  
    Guarantees given Outside India
0.00  
0.00  
0.00  
0.00  
0.00  
    Acceptances, endorsements & other obligations
0.00  
0.00  
0.00  
0.00  
0.00  
    Other Contingent liabilities
44.74  
58.60  
50.42  
37.84  
39.09  
Bills for collection
0.00  
0.00  
0.00  
0.00  
0.00  
Book Value
1.53  
2.66  
2.68  
2.21  
1.75  
Adjusted Book Value
1.53  
2.26  
2.28  
1.88  
1.48  
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