Utkarsh Small Finance Bank is a bank in India that helps people, especially in small towns and villages. It started in 2009 and became a bank in 2017.
The bank provides loans, savings accounts, fixed deposits, and other banking services. It mainly helps small shop owners, farmers, and workers who find it hard to get loans from big banks.
Its headquarters is in Varanasi, Uttar Pradesh, and it has many branches across India. The Reserve Bank of India (RBI) regulates it, ensuring customers’ money is safe.
Utkarsh Bank makes banking easy and accessible for everyone, helping people grow their businesses and save money for the future.
Utkarsh Small Finance Bank Share Price Target (2025-2030)
| Year | Target Price (₹) |
|---|---|
| 2025 | ₹30.45 – ₹35.75 |
| 2026 | ₹37.20 – ₹44.85 |
| 2027 | ₹45.10 – ₹52.95 |
| 2028 | ₹55.60 – ₹64.35 |
| 2029 | ₹65.25 – ₹72.80 |
| 2030 | ₹75.50 – ₹90.95 |
Utkarsh Small Finance Bank Share Price Target (2025-2030) – Detailed Analysis
Utkarsh Small Finance Bank Share Price Target 2025: ₹30.45 – ₹35.75
- The bank is recovering from its 2024 financial loss.
- Focus on expanding loan services and deposit base will drive gradual growth.
- Utkarsh Small Finance Bank Share Price Target for 2025 remains moderate due to market uncertainties.
Utkarsh Small Finance Bank Share Price Target 2026: ₹37.20 – ₹44.85
- Improved earnings and profitability expected as financial stability returns.
- Increasing digital banking adoption will attract new customers.
- Utkarsh Small Finance Bank Share Price Target for 2026 predicts steady gains with better financials.
Utkarsh Small Finance Bank Share Price Target 2027: ₹45.10 – ₹52.95
- The bank is likely to increase its market share, boosting investor confidence.
- A rise in net interest income (NII) and customer deposits will support price growth.
- Utkarsh Small Finance Bank Share Price Target for 2027 expects strong upside potential.
Utkarsh Small Finance Bank Share Price Target 2028: ₹55.60 – ₹64.35
- Strong financial results and asset growth will help the stock rise further.
- Expansion into urban markets and fintech partnerships could boost valuation.
- Utkarsh Small Finance Bank Share Price Target for 2028 projects long-term stability.
Utkarsh Small Finance Bank Share Price Target 2029: ₹65.25 – ₹72.80
- The bank is expected to become a leading small finance bank in India.
- Higher institutional investor interest could push the stock upwards.
- Utkarsh Small Finance Bank Share Price Target for 2029 remains bullish.
Utkarsh Small Finance Bank Share Price Target 2030: ₹75.50 – ₹90.95
- If the bank continues to grow, it may become a mid-cap financial leader.
- Expansion into wealth management and corporate banking could enhance profitability.
- Utkarsh Small Finance Bank Share Price Target for 2030 reflects a strong long-term investment opportunity.
Utkarsh Small Finance Bank Fundamentals
| Fundamentals | Values |
|---|---|
| Market Cap | ₹2,572 Cr |
| P/E Ratio (TTM) | 14.24 |
| P/B Ratio | 0.82 |
| Industry P/E | 12.85 |
| Debt to Equity | NA |
| ROE (Return on Equity) | 5.77% |
| EPS (Earnings Per Share) (TTM) | 1.64 |
| Dividend Yield | 2.14% |
| Book Value | 28.37 |
| Face Value | 10 |
Utkarsh Small Finance Bank Income Statement (Dec ‘2024)
| Particulars | Dec ‘2024 |
|---|---|
| Revenue | ₹1,038 Cr |
| Expenses | ₹1,276 Cr |
| EBITDA | -₹237.94 Cr |
| EBIT | -₹237.94 Cr |
| Profit Before Tax | -₹237.94 Cr |
| Net Profit | -₹168.05 Cr |
Financial Ratios (Dec ‘2024)
| Ratios | Dec ‘2024 |
|---|---|
| Operating Profit Margin | 22.99% |
| Net Profit Margin | -18.02% |
| Earnings Per Share (Diluted) | -1.52 |
| Dividends Per Share | 0.00 |
Read More: Ujjivan Small Finance Bank Share Price Target
Utkarsh Small Finance Bank Balance Sheet (2024)
| Particulars | 2024 |
|---|---|
| Total Assets | ₹23,903 Cr |
| Current Assets | ₹3,201 Cr |
| Non-Current Assets | ₹23,903 Cr |
| Total Liabilities | ₹20,929 Cr |
| Current Liabilities | ₹18,151 Cr |
| Non-Current Liabilities | ₹2,779 Cr |
| Total Equity | ₹2,973 Cr |
| Common Stock | ₹1,099 Cr |
| Preferred Stock | ₹0.00 |
| Other Equity | ₹1,874 Cr |
| Total Common Shares Outstanding | 109.95 |
| Debt to Equity | 0.00 |
| Book Value | ₹27.04 |
Utkarsh Small Finance Bank Shareholding Pattern (Dec ‘2024)
| Category | Holding (%) |
|---|---|
| Promoters | 68.93% |
| Retail and Others | 21.51% |
| Mutual Funds | 5.76% |
| Other Domestic Institutions | 2.46% |
| Foreign Institutions | 1.34% |
Conclusion
Utkarsh Small Finance Bank is a key player in India’s small finance sector, focusing on financial inclusion. While the total assets and equity have grown, the bank reported a net loss in December 2024, which might raise concerns for investors. The majority stake (68.93%) is held by promoters, indicating strong ownership confidence. Investors should carefully analyze financial trends before making investment decisions.
FAQ
Who holds the majority stake in Utkarsh Small Finance Bank?
Promoters hold 68.93% of the shares.
Is Utkarsh Small Finance Bank a good investment?
bank has strong long-term potential, but recent losses suggest financial risks. Investors should analyze its performance and future plans before investing.
When did Utkarsh Small Finance Bank go public?
The bank launched its IPO in July 2023 and got listed on the stock exchanges.
Does Utkarsh Small Finance Bank offer credit cards?
No.
