Hello Friends! Are you looking to invest in the stock market, or have you already invested? Would you like to know the predictions regarding the potential fluctuations in your shares? If so, you have landed on exactly the right page. On this page, you will find information regarding Utkarsh share price chart, Utkarsh Small Finance Bank share price target 2030, Utkarsh small finance bank share price history, Utkarsh Bank share price screener, Utkarsh small finance bank share price prediction, Utkarsh share price NSE, and much more. Furthermore, this page provides details on Utkarsh Small Finance Bank‘s share price targets 2026, 2027, 2028, 2029, 2030, 2040, and beyond.
Utkarsh Small Finance Bank Company Information
| Number of employees | 19,779 (2025) |
| Founded | 2009 |
| Founder | Govind Singh |
| Headquarters | India |
| Parent organization | Utkarsh CoreInvest Limited |
Utkarsh Small Finance Bank Share Price Target Overview
- Current Price – 14.82
- Open – 14.57
- High – 15.10
- Low – 14.57
- Mkt cap – 2.64KCr
- P/E ratio – N/A
- 52-wk high – 22.66
- Dividend – N/A
- Qtrly div amt – N/A
- 52-wk low – 10.12
Utkarsh Small Finance Bank Share Price Chart
Utkarsh Small Finance Bank Share Price Target Tomorrow
| Utkarsh Small Finance Bank Share Price Target Years | Utkarsh Small Finance Bank Share Price Target |
| 2026 | ₹23 |
| 2027 | ₹27 |
| 2028 | ₹31 |
| 2029 | ₹36 |
| 2030 | ₹41 |
Utkarsh Small Finance Bank Share Price Target 2026
The target for Utkarsh Small Finance Bank’s share price in 2026 is projected to range between ₹22 and ₹23. As of the start of May 2026, Utkarsh Small Finance Bank’s share price stood at ₹14.82. Compared to the previous year, Utkarsh Small Finance Bank’s share price has witnessed an increase this year.
Utkarsh Small Finance Bank Share Price Target 2027
The target for Utkarsh Small Finance Bank’s share price in 2027 is projected to range between ₹26 and ₹27. On 5 May 2026, Utkarsh Small Finance Bank Share price NSE is 14.82 INR. Compared to last year, no significant difference has been observed in the share price of Utkarsh Small Finance Bank. The share price has increased by approximately 4-5 rupees.
Utkarsh Small Finance Bank Share Price Target 2030
The target for Utkarsh Small Finance Bank’s share price in 2030 is projected to range between ₹40 and ₹41. Over the past several years, the company has generated substantial profits, and investors, too, have earned handsome returns proportionate to their shareholdings. We remain optimistic that the company will continue to generate profits in the future, thereby ensuring continued returns for its investors.
Risks and Challenges Of Utkarsh Small Finance Bank Share Price
Here are 8 key factors affecting the growth of Utkarsh Small Finance Bank share price:
1. High NPAs (Bad Loans) – This is the biggest concern right now.
- Gross NPA has jumped above 12%, which is very high
- Rising defaults directly hurt profits and investor confidence
2. Continuous Losses & Weak Profitability – The bank is currently making losses instead of profits.
- Reported multiple quarterly losses (₹300+ crore range)
- Negative earnings reduce trust in long-term growth
3. Heavy Dependence on Microfinance Segment – A large part of its business comes from micro loans.
- These borrowers are more sensitive to economic stress
- Higher chances of defaults during slowdown
4. Asset Quality Deterioration – Loan book quality is worsening rapidly.
- NPAs rising fast from low levels to double digits
- Indicates weak credit assessment or risky lending
5. Regulatory Risks & Policy Changes – Small finance banks face strict RBI and government rules.
- New microfinance laws (like Bihar MFI Bill) can impact growth
- More compliance = lower profitability
6. High Credit Cost & Provisioning Pressure – Bank has to set aside money for bad loans.
- Higher provisions = lower net profit
- Can keep earnings under pressure for long time
7. Weak Financial Performance & Growth Slowdown – Even though income grows, profits are not improving.
- Declining revenue and income in recent quarters
- Growth visibility is unclear
8. Negative Market Sentiment & Stock Fal – Investor confidence is currently weak.
- Stock has fallen heavily (50%+ in a year)
- Seen as a “high-risk” or possible value trap
Read Also:- Alok Industries Share Price Target Tomorrow From 2026 to 2030 – Current Chart, Market Overview
Key Factors Affecting Growth Utkarsh Small Finance Bank Share Price
Here are 8 key factors affecting the growth of Utkarsh Small Finance Bank share price:
1. Improvement in Asset Quality (NPAs) – This is the most important growth driver.
- If NPAs (bad loans) start falling → strong positive signal
- Better loan recovery = higher investor confidence
2. Return to Profitability – Currently, profitability is under pressure.
- Turning losses into consistent profits can re-rate the stock
- Higher ROA & ROE = strong growth trigger
3. Growth in Loan Book – Expansion of loans is key for any bank.
- More lending = higher interest income
- Balanced growth (without risky loans) is crucial
4. Microfinance Segment Stability – A large portion of business comes from microfinance.
- Stable repayment trends = strong earnings visibility
- Improvement in rural economy directly helps growth
5. Deposit Growth & CASA Ratio – Low-cost deposits are very important.
- Higher CASA (Current + Savings Accounts) = better margins
- Strong deposit base reduces funding cost
6. Net Interest Margin (NIM) Expansion – NIM shows how efficiently the bank earns from lending.
- Higher NIM = better profitability
- Controlled cost of funds improves margins
7. Expansion in New Segments – Diversification beyond microfinance is important.
- Growth in retail loans, MSME loans, and secured lending
- Reduces risk and improves long-term stability
8. Market Sentiment & Turnaround Story – This stock is seen as a turnaround play.
- Positive news (profit recovery, NPA drop) → sharp rally
- Negative updates → heavy selling pressure
Utkarsh Small Finance Bank Shareholding Pattern
| Promoter | 42.7% |
| FII | 11.5% |
| DII | 9.6% |
| Public | 36.3% |
Income Statement Of Utkarsh Small Finance Bank
|
All values in INR
|
Mar 2025
|
Jun 2025
|
Sep 2025
|
Dec 2025
|
|---|---|---|---|---|
|
Revenue
|
4.79B
|
1.29B
|
-138.26M
|
-175.04M
|
|
Cost of goods sold
|
–
|
–
|
–
|
–
|
|
Cost of revenue
|
–
|
–
|
–
|
–
|
|
Research and development expenses
|
–
|
–
|
–
|
–
|
|
Total research and development expenses
|
–
|
–
|
–
|
–
|
|
Selling, general, and admin expenses
|
5.10B
|
2.28B
|
2.36B
|
2.46B
|
|
Operating expense
|
4.65B
|
4.48B
|
4.51B
|
4.73B
|
|
Total operating expenses
|
4.65B
|
4.48B
|
4.51B
|
4.73B
|
|
Operating income
|
147.41M
|
-3.19B
|
-4.65B
|
-4.91B
|
|
Other non operating income
|
–
|
–
|
–
|
–
|
|
EBT including unusual items
|
112.81M
|
-3.19B
|
-4.65B
|
-4.91B
|
|
EBT excluding unusual items
|
147.41M
|
-3.19B
|
-4.65B
|
-4.91B
|
|
Income tax expense
|
83.13M
|
-793.89M
|
-1.17B
|
-1.16B
|
|
Effective tax rate
|
73.70%
|
24.90%
|
25.06%
|
23.57%
|
|
Other operating expenses
|
-455.08M
|
2.20B
|
2.15B
|
2.27B
|
|
Net income
|
29.67M
|
-2.39B
|
-3.48B
|
-3.75B
|
|
Net profit margin
|
0.62%
|
-185.58%
|
2,520.41%
|
2,142.44%
|
|
Earnings per share
|
0.03
|
-2.17
|
-3.16
|
-2.46
|
|
Interest and investment income
|
–
|
–
|
–
|
–
|
|
Interest expense
|
–
|
–
|
–
|
–
|
|
Net interest expenses
|
–
|
–
|
–
|
–
|
|
Depreciation and amortization charges
|
–
|
–
|
–
|
–
|
|
EBITDA
|
–
|
–
|
–
|
–
|
|
Gain or loss from assets sale
|
–
|
–
|
–
|
–
|
Hi, I’m Ronak, a news writer covering the latest updates in automobiles, education, smartphones, and trending topics. I focus on delivering simple, clear, and timely news to keep readers informed about what’s happening around the world.