Utkarsh Small Finance Bank Limited
Incorporated in 2016, Utkarsh Small Finance Bank is engaged in providing banking and financial services. Utkarsh Small Finance Bank Limited is an SFB and has recorded the second fastest AUM growth from FY19 to FY22 among SFBs with AUM of ~Rs. 50 bill...
Key Metrics
EPS
4.53
Current ratio
0.17
Debt/Equity
7.04
Debt/EBITDA
28.88
Interest coverage ratio
-
Operating Cashflow to total debt
0.05
Financials
Pros & Cons
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Here's what we like about this company and potential risks we have identified.
Pros
Significantly increasing scale of operations with sustained improvement in asset quality while maintaining comfortable capitalisation levels.
Sustenance of profitability with ROTA above 2.25%.
Diversification in resource profile with continuous improvement in CASA proportion on a sustained basis.
Liquidity: Strong
Cons
Significant weakening of asset quality leading to declining profitability metrics with ROTA below 0.5% over medium term.
Deteriorating asset quality with gross non-performing asset (GNPA) escalating above 4%.
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About Utkarsh Small Finance Bank Limited bond.
This comprehensive profile covers key factual information about Utkarsh Small Finance Bank Limited. Incorporated in 2016, Utkarsh Small Finance Bank is engaged in providing banking and financial services. Utkarsh Small Finance Bank Limited is an SFB and has recorded the second fastest AUM growth from FY19 to FY22 among SFBs with AUM of ~Rs. 50 billion. EPS in Mar-2024 was 4.53. Current ratio in Mar-2024 was 0.17. Debt/Equity in Mar-2024 was 7.04. Debt/EBITDA in Mar-2024 was 28.88. Interest coverage ratio in Mar-2024 was . Operating Cashflow to total debt in Mar-2024 was 0.05. Total revenue for Mar-2025 (E) was ₹4350.05. Net income for Mar-2025 (E) stood at ₹757.05. Total assets as of Mar-2024 were ₹23902.89. Total liabilities as of Mar-2024 were ₹20929.70. Operating cash flow for Mar-2024 was ₹991.23. Peers and comparison entities consist of Utkarsh Small Finance Bank Limited, Motilal Oswal Financial Services Limited, Aditya Birla Capital Limited, Cholamandalam Financial Holdings Limited. As of Dec 2024, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Significantly increasing scale of operations with sustained improvement in asset quality while maintaining comfortable capitalisation levels.; Sustenance of profitability with ROTA above 2.25%.; Diversification in resource profile with continuous improvement in CASA proportion on a sustained basis.; Liquidity: Strong. Key risks include: Significant weakening of asset quality leading to declining profitability metrics with ROTA below 0.5% over medium term.; Deteriorating asset quality with gross non-performing asset (GNPA) escalating above 4%.. Leadership team details include Mr. Alok Pathak (Head - Assets), Mr. Govind Singh (MD & CEO), Mr. Pramod Kumar Dubey (Executive Director), Mr. Rahul Dey (Head Operations & Administration), Mr. Sanjay Sharda (Head- Consumer Banking, Liabilities). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.