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Utkarsh Small Finance Bank Limited
Equity Listed on NSE & BSE
Utkarsh Small Finance Bank Limited, regulated by RBI, was incorporated as a wholly-owned subsidiary of Utkarsh CoreInvest Limited (UCL) on April 30, 2016.
Sector Focus
Finance (NBFC)
Highest Credit Rating
A+ by CARE
Listing (Debt)
BSE
Date of NBFC License by RBI
2016
Business & Products
Lending- Micro-Banking Loans, Retail Loans, Wholesale Lending
Promoter
Utkarsh Coreinvest Limited
Key Management Personnel
Govind Singh
MD & CEO, Ex - Surya Fincap, UTI Bank, Allahabad Bank
Pramod Kumar Dubey
Executive Director, Ex- Federal Bank, ICICI Bank
FMS Alumnus
Sarjukumar Simaria
CFO, Ex-CFO - Edelweiss Financial Services, Canbank Investment, SUN AMC
CA
Abhijeet Bhattacharjee
Chief Information Officer, Ex- RBL Bank, UTI Bank, Royal Bank of Scotland N.V
Bonds issued by Utkarsh Small Finance Bank Limited
Financial Performance
| Particulars | FY25 (₹ in cr) | FY24 (₹ in cr) | FY23 (₹ in cr) |
|---|---|---|---|
| NET WORTH | 2775 | 2722 | 1844 |
| REVENUE | 4364.76 | 3578.75 | 2804.28 |
| PAT | 23.70 | 497.62 | 404.5 |
| CRAR% | 20.93 | 22.57 | 20.64 |
| GNPA% | 9.43 | 2.51 | 3.23 |
| NNPA% | 4.84 | 0.03 | 0.39 |
| GEARING (times) | 0.79 | 0.67 | 1.17 |
Credit Rating
| Credit Rating Agency | Rating | Rating Outlook | Date |
|---|---|---|---|
| CARE RATINGS LIMITED | A+ | -- |
Top Lenders to Utkarsh Small Finance Bank Limited
SIDBI
National Housing Bank
NABARD
Strength
Comfortable capitalisation levels
Stable profitability
Sustained scaling up of operations, however, asset quality remains monitorable
Weakness
Geographical and product concentration of loan portfolio
Relatively low CASA
Socio-political and regulatory risks inherent in the micro finance industry
News & Announcement
Important Links
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Headline
Published On
UTKARSH SMALL FINANCE BANK LIMITED has informed the Exchange regarding Analysts/Institutional Investor Meet/Con. Call Updates. Filed on 16-Feb-2026 17:39:08.
Announcements
16 Feb, 2026 05:39 PM
UTKARSH SMALL FINANCE BANK LIMITED has informed the Exchange regarding Scheme of Arrangement. Filed on 13-Feb-2026 18:01:46.
Announcements
13 Feb, 2026 06:01 PM
UTKARSH SMALL FINANCE BANK LIMITED has informed the Exchange regarding Analysts/Institutional Investor Meet/Con. Call Updates. Filed on 06-Feb-2026 16:36:58.
Announcements
06 Feb, 2026 04:36 PM
UTKARSH SMALL FINANCE BANK LIMITED has informed the Exchange regarding Analysts/Institutional Investor Meet/Con. Call Updates. Filed on 02-Feb-2026 22:17:03.
Announcements
02 Feb, 2026 10:17 PM
UTKARSH SMALL FINANCE BANK LIMITED has informed the Exchange regarding Statement of deviation(s) or variation(s) under Reg. 32. Filed on 02-Feb-2026 17:38:14.
Announcements
02 Feb, 2026 05:38 PM
Market News New
>
Source:
Investor Presentation , Information Memorandum & Rating Rational of Utkarsh Small Finance Bank Limited
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India Bond Private Limited
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
Registered Address: 605, 6th Floor, Windsor, Off CST Road, Kalina, Santacruz - (East), Mumbai – 400 098.
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