UTKARSH SMALL FINANCE BANK SHARE PRICE

Utkarsh Small Finance Bank Limited was incorporated on April 30, 2016 at Varanasi, Uttar Pradesh as a Public Limited Company and was granted a Certificate of Incorporation by the Registrar of Companies. Utkarsh Small Finance Bank is a scheduled commercial bank licensed by the Reserve Bank of India as a Small Finance Bank on November 25, 2016. The Bank is subsidiary of Utkarsh Core Invest Limited. The Promoter, Utkarsh Core Invest Limited, started operations as a NBFC in 2010 and was engaged in providing microfinance to unserved and underserved segments in the States of Uttar Pradesh and Bihar. Later on, it converted to a NBFC- MFI. The Bank provides a broad suite of financial products including microfinance loans under the Joint Liability Group (JLG) model, MSME loans, housing loans, personal loans, commercial vehicle loans, construction equipment loans, and wholesale lending. Utkarsh SFBL offers digital banking solutions such as Internet banking, Mobile banking, WhatsApp banking, Unified Payment Interface (UPI), Aadhar Enabled Payment Systems (AePS), Interoperable Cardless Cash Withdrawal, Digital Deposits, Bharat Connect, ASBA (Application Supported by Blocked Amount), Digi onboarding, and online account opening, along with access to ATMs and micro-ATMs to support customer convenience. On October 7, 2015, the Promoter received the RBI In-Principle Approval to establish an SFB, following which it incorporated Utkarsh Small Finance Bank Limited as a wholly-owned subsidiary on April 30, 2016. Accordingly, Utkarsh CoreInvest Limited transferred its business of providing microfinance, as a going concern to the Bank and consequently commenced its operations from January 23, 2017. The Bank was included in second schedule to the RBI Act as a Scheduled Commercial Bank pursuant to a notification dated October 4, 2017 issued by the RBI and published in the Gazette of India on November 7, 2017. Following the commencement of SFB operations, the Bank further engaged with borrowers by focusing on microfinance and diversifying product offerings to include savings accounts, deposit products and other loan products. The Banking Operations are spread across India and are present in 26 States and 4 Union Territories with 888 Banking Outlets as of March 31, 2024. The Bank asset products include micro banking loans that include joint liability group loans, and individual loans; retail loans including, unsecured loans, such as business loans and personal loans, and secured loans, such as loans against property (LAP); wholesale lending that includes short term and long term loan facilities to SMEs, mid and large corporate and institutional clients; housing loans with a focus on affordable housing; commercial vehicle / construction equipment loans; and `Utkarsh Gold Loan` product that was launched in 2022. On the liabilities side, it offer savings accounts, current accounts and a variety of term and recurring deposit accounts. In addition, it provide non-credit offerings comprising ATM-cum-debit cards, bill payment system and distribute mutual funds and insurance products. The Bank launched an Initial Public Offer of 200,000,000 Equity Shares of face value of Rs 10 raising Rs 500 Crore funds through Fresh Issue in July, 2023. In 2023, Bank launched Micro LAP Product. It opened 287 new ATMs and 546 Micro ATMs. Vendor Management System launched in 2024. The Bank launched Capital Market Business as an approved Bank towards Collateral Deposits with Exchange Members and further launched AD II Business towards Cross Border Outward Remittances under Liberalized Remittance Scheme (LRS). Total deposits increased to Rs 21,566 crore as on March 31, 2025, from Rs 17,473 crore as on March 31, 2024. Net Advances increased to Rs 18,716 crore as on March 31, 2025, from Rs 16,365 crore as on March 31, 2024. Bank`s operating profit increased to Rs 1,007 crore for FY25 from Rs 997 crore in FY24. Bank reported annual profit of Rs 24 crore for FY25. The Bank added 204 new branches (55 general banking & 149 micro banking), to scale the outreach, taking total banking outlets to 1,092 in FY25. In FY 2025-26, the Bank navigated evolving market conditions within its microfinance business, particularly in the Joint Liability Group ( JLG) segment, shaping its strategic and operational priorities during the year. This translated into a sharp increase in provisioning, which rose to Rs 1,563 Crore, materially impacting reported profitability and resulting in a loss of ?1,151 Crore, compared with a profit of Rs 24 Crore in the previous year. Total deposits increased to Rs 21,654 crore as on March 31, 2026, from Rs 21,566 crore as on March 31, 2025. Net Advances fell to Rs 18070 crore as on March 31, 2026, from Rs 18,716 crore as on March 31, 2025. Bank`s operating profit fell to Rs 56 crore for FY26 from Rs 1,007 crore in FY25. Bank reported annual profit of Rs 1151 crore for FY26. The Bank has added more than 220 new branches (331 general banking & 779 micro banking), to scale the outreach, taking total banking outlets to 1,110 in FY26.

Utkarsh Small Finance Bank share price as on 23 Jul 2026 is Rs. 14.45. Over the past 6 months, the Utkarsh Small Finance Bank share price has increased by 3.88% and in the last one year, it has decreased by 25.78%. The 52-week low for Utkarsh Small Finance Bank share price was Rs. 10.12 and 52-week high was Rs. 22.03.

Utkarsh Small Finance Bank Limited was incorporated on April 30, 2016 at Varanasi, Uttar Pradesh as a Public Limited Company and was granted a Certificate of Incorporation by the Registrar of Companies. Utkarsh Small Finance Bank is a scheduled commercial bank licensed by the Reserve Bank of India as a Small Finance Bank on November 25, 2016. The Bank is subsidiary of Utkarsh Core Invest Limited. The Promoter, Utkarsh Core Invest Limited, started operations as a NBFC in 2010 and was engaged in providing microfinance to unserved and underserved segments in the States of Uttar Pradesh and Bihar. Later on, it converted to a NBFC- MFI. The Bank provides a broad suite of financial products including microfinance loans under the Joint Liability Group (JLG) model, MSME loans, housing loans, personal loans, commercial vehicle loans, construction equipment loans, and wholesale lending. Utkarsh SFBL offers digital banking solutions such as Internet banking, Mobile banking, WhatsApp banking, Unified Payment Interface (UPI), Aadhar Enabled Payment Systems (AePS), Interoperable Cardless Cash Withdrawal, Digital Deposits, Bharat Connect, ASBA (Application Supported by Blocked Amount), Digi onboarding, and online account opening, along with access to ATMs and micro-ATMs to support customer convenience. On October 7, 2015, the Promoter received the RBI In-Principle Approval to establish an SFB, following which it incorporated Utkarsh Small Finance Bank Limited as a wholly-owned subsidiary on April 30, 2016. Accordingly, Utkarsh CoreInvest Limited transferred its business of providing microfinance, as a going concern to the Bank and consequently commenced its operations from January 23, 2017. The Bank was included in second schedule to the RBI Act as a Scheduled Commercial Bank pursuant to a notification dated October 4, 2017 issued by the RBI and published in the Gazette of India on November 7, 2017. Following the commencement of SFB operations, the Bank further engaged with borrowers by focusing on microfinance and diversifying product offerings to include savings accounts, deposit products and other loan products. The Banking Operations are spread across India and are present in 26 States and 4 Union Territories with 888 Banking Outlets as of March 31, 2024. The Bank asset products include micro banking loans that include joint liability group loans, and individual loans; retail loans including, unsecured loans, such as business loans and personal loans, and secured loans, such as loans against property (LAP); wholesale lending that includes short term and long term loan facilities to SMEs, mid and large corporate and institutional clients; housing loans with a focus on affordable housing; commercial vehicle / construction equipment loans; and `Utkarsh Gold Loan` product that was launched in 2022. On the liabilities side, it offer savings accounts, current accounts and a variety of term and recurring deposit accounts. In addition, it provide non-credit offerings comprising ATM-cum-debit cards, bill payment system and distribute mutual funds and insurance products. The Bank launched an Initial Public Offer of 200,000,000 Equity Shares of face value of Rs 10 raising Rs 500 Crore funds through Fresh Issue in July, 2023. In 2023, Bank launched Micro LAP Product. It opened 287 new ATMs and 546 Micro ATMs. Vendor Management System launched in 2024. The Bank launched Capital Market Business as an approved Bank towards Collateral Deposits with Exchange Members and further launched AD II Business towards Cross Border Outward Remittances under Liberalized Remittance Scheme (LRS). Total deposits increased to Rs 21,566 crore as on March 31, 2025, from Rs 17,473 crore as on March 31, 2024. Net Advances increased to Rs 18,716 crore as on March 31, 2025, from Rs 16,365 crore as on March 31, 2024. Bank`s operating profit increased to Rs 1,007 crore for FY25 from Rs 997 crore in FY24. Bank reported annual profit of Rs 24 crore for FY25. The Bank added 204 new branches (55 general banking & 149 micro banking), to scale the outreach, taking total banking outlets to 1,092 in FY25. In FY 2025-26, the Bank navigated evolving market conditions within its microfinance business, particularly in the Joint Liability Group ( JLG) segment, shaping its strategic and operational priorities during the year. This translated into a sharp increase in provisioning, which rose to Rs 1,563 Crore, materially impacting reported profitability and resulting in a loss of ?1,151 Crore, compared with a profit of Rs 24 Crore in the previous year. Total deposits increased to Rs 21,654 crore as on March 31, 2026, from Rs 21,566 crore as on March 31, 2025. Net Advances fell to Rs 18070 crore as on March 31, 2026, from Rs 18,716 crore as on March 31, 2025. Bank`s operating profit fell to Rs 56 crore for FY26 from Rs 1,007 crore in FY25. Bank reported annual profit of Rs 1151 crore for FY26. The Bank has added more than 220 new branches (331 general banking & 779 micro banking), to scale the outreach, taking total banking outlets to 1,110 in FY26.

Utkarsh Small Finance Bank share price as on 23 Jul 2026 is Rs. 14.45. Over the past 6 months, the Utkarsh Small Finance Bank share price has increased by 3.88% and in the last one year, it has decreased by 25.78%. The 52-week low for Utkarsh Small Finance Bank share price was Rs. 10.12 and 52-week high was Rs. 22.03.