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What is the UTKARSH SMALL FIN BANK L (UTKARSHBNK) share price today?

UTKARSH SMALL FIN BANK L (UTKARSHBNK) is trading at ₹14.99 on the NSE, down 0.40% on the day. Source: DocStoX.

What is the PE ratio of UTKARSH SMALL FIN BANK L?

UTKARSH SMALL FIN BANK L has a price-to-earnings (PE) ratio of 115.3 in the Banks sector.

What is the market capitalisation of UTKARSH SMALL FIN BANK L?

UTKARSH SMALL FIN BANK L has a market capitalisation of approximately ₹2,767 crore.

UTKARSH SMALL FIN BANK L

UTKARSHBNK·NSE·Banks

₹14.99▼ -0.06 (-0.40%)

Banks · Small Finance Bank

A steady, established business

Day₹14.83

₹15.18

52W₹10

₹2435%

Open

₹15.06

High

₹15.18

Low

₹14.83

Prev Close

₹15.05

Volume

57.31L

VWAP

₹15.00

Snapshot

Key fundamentals

Market Cap

₹2,767 Cr

P/E Ratio

115.31Expensive

P/B Ratio

0.92

EPS

₹0.13

Book Value

₹15.29

ROE

0.80%Weak

ROCE

6.29%Weak

Dividend Yield

3.54%

Debt / Equity

0.00Low

Face Value

₹10.00

52W High

₹23.90

52W Low

₹10.12

Sector

Banks

Industry

Small Finance Bank

Expensive

None moatVery High uncertainty

Fair value estimate

₹13

▼ 13.3%downside

Trading at ₹15 — 13% above our estimate

BearFair valueBull

₹11₹13₹15

/100

Business quality — Watch the fundamentals

Growth 50Profitability 0Efficiency 0Valuation 50

Plain English

Our view

A steady, established business
Virtually debt-free balance sheet
Weak returns on equity (1%)

Strengths

Virtually debt-free balance sheet

Risks

Weak returns on equity (1%)
Expensive — trades at 115× earnings
Fundamental red flags (Piotroski 3/9)

How we got there

Fair value methods

Excess-return (book value)

1% ROE fading to 13% over ~3 yrs, on ₹15 book

₹13

Relative P/E

Needs ≥3 peers with P/E

—

Graham floor

Not meaningful for financials

—

Analyst target

No analyst coverage

—

Blended fair value₹13

What the numbers say

Investment thesis

Bull case

Virtually debt-free balance sheet

Bear case

Weak returns on equity (1%)
Expensive — trades at 115× earnings
Fundamental red flags (Piotroski 3/9)

Free — see our deterministic Fair Value range, business quality score, and the full bull/bear case for this stock.

Snapshot

Key statistics

P/E

115.3Expensive

Below 15× is value territory; above 35× prices in strong growth

ROE

0.8%Weak

Above 15% is considered healthy for Indian equities

ROCE

6.3%Weak

Above 18% means capital is working hard

Debt/Eq

0.00Low

Below 0.5 is comfortable; above 1.5 strains the balance sheet

Mkt Cap

₹2,767 Cr

P/B

0.92

EPS

₹0.13

Div Yield

3.54%

What changed

Recent changes

Foreign investors-0.3% stake last quarter
Domestic institutions-0.2% stake last quarter

What matters

News impact

Overview

Valuation

Expensive

P/E 115.3×

Growth

N/A

No history

Profitability

Modest

0.8% ROE

Financial health

Rock solid

D/E 0.00

Momentum

N/A

No technicals

Today

Trading activity

Delivery %38.3%

Turnover₹859.36L Cr

Trades5,686

VWAP₹15.00

Face value₹10.00

Market depth

Market depth available during market hours

Snapshot

Technical signals

Compounded annual growth

Growth (CAGR)

No growth history

Not enough annual history to compute CAGR.

Profile

Pros

Stock is trading at 0.96 times its book value
Company's working capital requirements have reduced from 40.7 days to 13.6 days

Watch-outs

Cons

Company has low interest coverage ratio.
Company has a low return on equity of -7.58% over last 3 years.
Earnings include an other income of Rs.431 Cr.

Forecast

News

Peers

Financials

Growth

Shareholding

Ownership

Ownership breakdown

Quarter ending 31 Mar 2026

Foreign investors sold 0.31 pts; domestic institutions reduced 0.19 pts last quarter. The QoQ column shows each group's change versus the prior quarter.

43%

Promoter

Promoters

42.7%0.00

Public

26.4%+2.40

FII / FPI

11.5%-0.31

DII

9.6%-0.19

Others

9.9%

Total shareholders

2,82,993+6,251 QoQ

Quarterly trend

Ownership over time

Q4 FY26

Promoter42.67%

FII11.49%

DII9.57%

Public26.35%

Others9.92%

Corporate Actions

Bulk & Block Deals

Filings

MF Holdings

Technicals

FAQs

Quick reference

Frequently asked questions

Incorporated in 2016, Utkarsh Small Finance Bank is engaged in providing banking and financial services.[1]