Utkarsh Small F.

  • Market Cap: Small Cap
  • Industry: Other Bank
  • ISIN: INE735W01017
  • NSEID: UTKARSHBNK
  • BSEID: 543942
INR
13.05
-0.52 (-3.83%)
BSENSE

Feb 03

BSE+NSE Vol: 2.38 cr

  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationQuarterly Results
Results Snapshot
YoYQoQ
Figures in Cr
Standalone Quarterly Results
Dec'25
Sep'25
Jun'25
Mar'25
Dec'24
Sep'24
Jun'24
Interest Earned
821.15
839.97
880.91
879.62
932.43
986.95
965.92
Income On Investments
114.23
86.98
81.01
78.41
70.48
68.43
60.69
Interest On Balances With Rbi Other Inter Bank Funds
26.75
38.94
43.54
37.35
35.31
38.94
38.33
Interest / Discount On Advances / Bills
680.16
714.05
756.36
763.86
826.64
879.58
866.89
Others
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Income
80.56
97.35
137.75
287.11
105.49
102.59
104.65
Total Income
901.71
937.32
1,018.65
1,166.73
1,037.92
1,089.54
1,070.57
Interest Expended
472.80
489.50
479.09
468.22
452.31
428.79
392.75
Net Interest Income
348.35
350.47
401.82
411.40
480.12
558.16
573.17
Total Expenditure (Excl Depreciation)
473.18
451.15
447.92
464.54
400.35
384.34
366.53
Employee Cost
246.20
236.24
228.20
204.25
225.37
210.73
205.24
Other Operating Expenses
226.98
214.91
219.72
260.29
174.98
173.61
161.29
Operating Profit Before Provisions and Contingencies
-44.28
-3.32
91.64
233.98
185.26
276.41
311.28
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
446.41
461.65
410.51
222.70
423.20
208.34
125.04
Profit Before Tax
-490.69
-464.97
-318.87
11.28
-237.94
68.07
186.24
Tax
-115.67
-116.51
-79.39
8.31
-69.89
16.68
48.84
Profit After Tax
-375.02
-348.46
-239.48
2.97
-168.05
51.39
137.40
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
-375.02
-348.46
-239.48
2.97
-168.05
51.39
137.40
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
-2.11
-2.69
-1.85
0.02
-1.3
0.4
1.25
Diluted Earnings per share
-2.46
-2.68
-1.84
0.03
-1.29
0.39
1.24
Operating Profit Margin (Excl OI)
-11.99%
-8.67%
2.55%
21.87%
11.68%
39.95%
49.11%
Gross Profit Margin
-59.76%
-55.36%
-36.2%
1.28%
-25.52%
6.9%
19.28%
PAT Margin
-45.67%
-41.48%
-27.19%
0.34%
-18.02%
5.21%
14.22%
Net Interest Margin
0.0%
0.0%
5.9%
6.4%
7.5%
8.8%
9.4%
Return on Assets
-1.36%
-1.28%
-0.87%
0.01%
-0.64%
0.2%
0.57%
CASA (%)
0.0%
0.0%
19.7%
21.8%
20.0%
20.0%
19.0%
CASA Amount
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
0.0%
0.0%
59.2%
51.2%
61.1%
77.7%
91.0%
Amount of Gross NPAs
1,985.95
2,276.08
2,196.22
1,854.38
1,176.76
718.74
475.63
Amount of Net NPAs
750.87
847.91
897.12
905.27
457.69
159.97
42.83
% of Net NPAs
4.48%
5.02%
5.0%
4.84%
2.5%
0.89%
0.26%
% of Gross NPAs
11.05%
12.42%
11.42%
9.43%
6.17%
3.88%
2.78%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
0.0
0.0
362.0
369.0
363.0
344.0
321.0
Number of Branches
0.0
0.0
1099.0
1092.0
1028.0
967.0
916.0
Quarterly Analysis Highlights - QoQ
stock-summary

Interest Earned

QoQ Growth in quarter ended Dec 2025 is -2.24% vs -4.65% in Sep 2025

stock-summary

Net Profit

QoQ Growth in quarter ended Dec 2025 is -7.62% vs -45.51% in Sep 2025

stock-summary

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is -1,233.73% vs -103.62% in Sep 2025

stock-summary

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is -0.54% vs 0.02% in Sep 2025

stock-summary

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is -1.37% vs 1.00% in Sep 2025

Compare Quarterly Results Of Utkarsh Small F. With
Markets Mojo
Figures in Cr
Standalone Quarterly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
821.15
1,304.78
-483.63
-37.07%
Income On Investments
114.23
115.86
-1.63
-1.41%
Interest On Balances With Rbi Other Inter Bank Funds
26.75
13.83
12.92
93.42%
Interest / Discount On Advances / Bills
680.16
1,175.09
-494.93
-42.12%
Others
0.00
0.01
-0.01
-100.0%
Other Income
80.56
247.47
-166.91
-67.45%
Total Income
901.71
1,552.25
-650.54
-41.91%
Interest Expended
472.80
686.31
-213.51
-31.11%
Net Interest Income
348.35
618.47
-270.12
-43.68%
Total Expenditure (Excl Depreciation)
473.18
586.97
-113.79
-19.39%
Employee Cost
246.20
355.54
-109.34
-30.75%
Other Operating Expenses
226.98
231.43
-4.45
-1.92%
Operating Profit Before Provisions and Contingencies
-44.28
278.96
-323.24
-115.87%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
446.41
203.97
242.44
118.86%
Profit Before Tax
-490.69
74.99
-565.68
-754.34%
Tax
-115.67
0.00
-115.67
Profit After Tax
-375.02
74.99
-450.01
-600.09%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
-375.02
74.99
-450.01
-600.09%
Face Value
10.00
10.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
-2.11
7.13
-9.24
-129.59%
Diluted Earnings per share
-2.46
7.13
-9.59
-134.5%
Operating Profit Margin (Excl OI)
-11.99%
39.38%
0.00
-51.37%
Gross Profit Margin
-59.76%
5.75%
0.00
-65.51%
PAT Margin
-45.67%
5.75%
0.00
-51.42%
Net Interest Margin
0.00%
6.60%
-6.60
-6.60%
Return on Assets
-1.36%
0.00%
-1.36
-1.36%
CASA (%)
0.00%
18.30%
-18.30
-18.30%
CASA Amount
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.00%
0.00%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0.00%
0.00%
0.00
0.00%
Provision Coverage Ratio (%)
0.00%
67.93%
-67.93
-67.93%
Amount of Gross NPAs
1,985.95
871.00
1,114.95
128.01%
Amount of Net NPAs
750.87
279.00
471.87
169.13%
% of Net NPAs
4.48%
0.90%
3.58
3.58%
% of Gross NPAs
11.05%
2.80%
8.25
8.25%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
0.00
61.00
-61.00
-100.0%
Number of Branches
0.00
0.00
0.00
Quarterly - Interest Earned
Interest Earned 821.15 Cr
in Dec 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Dec 2025 is -2.24% vs -4.65% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is -11.93% vs 15.69% in Dec 2024

Quarterly - Net Profit
Net Profit -375.02 Cr
in Dec 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Dec 2025 is -7.62% vs -45.51% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is -123.16% vs -244.80% in Dec 2024

Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) -44.28 Cr
in Dec 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Dec 2025 is -1,233.73% vs -103.62% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is -123.90% vs -27.68% in Dec 2024

Quarterly - % of Net NPAs
% of Net NPAs 4.48%
in Dec 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Dec 2025 is -0.54% vs 0.02% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is 1.98% vs 2.31% in Dec 2024

Quarterly - % of Gross NPAs
% of Gross NPAs 11.05%
in Dec 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Dec 2025 is -1.37% vs 1.00% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is 4.88% vs 3.13% in Dec 2024

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