Utkarsh Small Finance Bank Ltd
Ticker: UTKARSHBNK
Decent
66/100
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Investing Reference
Price
17.68
Market Cap
3146.20
Debt/Equity
0.0000
ROE %
0.797
PB
1.0577
Promoter %
68.924
Pledge %
0.000
1Y Rev Growth %
21.963
5Y Rev Growth %
25.424
NP Margin %
0.543
NP Margin 5Y Avg %
7.690
Trading Reference
1M Return %
2.235
6M Return %
-13.942
1Y Return %
-52.732
% Away 52W High
117.275
% Away 52W Low
4.654
Daily Volume
7547884
Investment Verdict
Buy
Score 78/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 19/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Utkarsh Small Finance Bank Ltd is currently trading near a strong support level, with recent price action indicating bullish momentum. The 50-day EMA is trending upwards, suggesting positive sentiment. However, resistance levels are present that could limit upside potential. Overall, there is a moderate probability of price appreciation in the medium term, contingent on volume sustaining above average levels.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Utkarsh Small Finance Bank Ltd is a prominent player in the Indian banking sector, dedicated to providing accessible financial services to underserved segments of society. It caters to individuals and small businesses, promoting financial inclusion and economic growth. With a focus on customer-centric solutions, Utkarsh aims to empower its clients through tailored banking products and services. The bank's commitment to transparency and reliability makes it a trusted partner in your financial journey.
- Focus on financial inclusion
- Tailored solutions for individuals and small businesses
- Strong commitment to customer service
- Transparent and reliable banking practices
- Contributes to economic growth in underserved areas
Investment Thesis
Utkarsh Small Finance Bank Ltd presents a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to its peers. This combination positions the bank for sustained growth and shareholder value creation in the evolving financial landscape.
- Strong backing from a credible promoter group ensures stability and trust.
- Rapid growth in digital services aligns with changing consumer preferences.
- Attractive valuation metrics make it a compelling buy relative to peers.
- Focused on financial inclusion, tapping into underbanked segments.
- Potential for significant returns as the bank scales operations.
Opportunity vs Risk
Opportunities
- Growing demand for microfinance
- Expansion into new geographical areas
- Strong customer base in rural markets
- Digital banking initiatives
- Government support for small finance banks
Risks ⚠️
- Regulatory changes impacting operations
- High competition in the sector
- Asset quality concerns
- Economic slowdown affecting borrowers
- Limited brand recognition compared to larger banks
Peer Perspective
Utkarsh Small Finance Bank Ltd trades at a discount to peers like Ujjivan SFB and Equitas SFB, with potential for rerating contingent on improving margin stability and accelerating loan growth.
Future Outlook
Utkarsh Small Finance Bank Ltd is well-positioned for growth, driven by its expanding customer base and innovative services. However, successful execution and stringent cost control will be essential to navigate potential market challenges.
AI FAQs for Retail Users
- Q: What does Utkarsh Small Finance Bank Ltd do?A: It provides banking services focusing on underserved segments, including loans and savings products.
- Q: Is Utkarsh Small Finance Bank Ltd publicly traded?A: Yes, it is listed on the National Stock Exchange and Bombay Stock Exchange in India.
- Q: What are the risks of investing in this stock?A: Like any investment, risks include market volatility, regulatory changes, and business performance.
- Q: How can I buy shares of Utkarsh Small Finance Bank Ltd?A: You can purchase shares through a stockbroker or an online trading platform.
- Q: What factors should I consider before investing?A: Consider the bank's financial health, market position, and economic conditions affecting the sector.
📊 Stock Investment Checklist (100 Points)
Utkarsh Small Finance Bank Ltd • Updated: 2025-09-18 01:28:42
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10BusinessHighThe small finance banking sector is growing, but competition is intense.
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10GrowthHighConsistent revenue growth observed, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but cash flow is inconsistent.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is stable, but some concerns over disclosures.
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5DriversGoodGrowth drivers are present, but execution risks remain significant.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 66 / 100
• Decent
Utkarsh Small Finance Bank Ltd shows decent potential for growth, but faces challenges in profitability and valuation metrics. Caution is advised.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 75/100
- Profitability: 65/100
- Governance: 60/100
- Market Confidence: 68/100