USFB Share Price

₹ 12.02

+₹0.56 (4.89%)

Last updated 02 Nov, 2026, 15:57 IST

NSE: UTKARSHBNK

USFB Share Price Today

As of 2 Nov 2026, USFB share price is ₹12.02. The stock opened at ₹11.51, compared to its previous close of ₹11.46. During today's trading session, USFB share price moved in the range of ₹11.49 to ₹12.25, with an average price of ₹11.87 for the day. Looking at its last 52-week, the stock has touched a low of ₹10.12 and a high of ₹20.74. On the performance front, USFB share price has declined by 16.70% over the last six months and is down 40.99% on a year-on-year basis.

₹11.49

4.89% up today

₹12.25

1D LOW

1D HIGH

USFB Stock Insights

Stock Performance

UnderperformingUnderperforming Nifty by 32.83 % in last 1 yr

Shareholding Pattern

DIIDII decreased stake by 4.05%

Shareholding Pattern

FIIFII decreased stake by 12.30%

USFB Stock Insights

Stock Performance

UnderperformingUnderperforming Nifty by 32.83 % in last 1 yr

Shareholding Pattern

DIIDII decreased stake by 4.05%

Shareholding Pattern

FIIFII decreased stake by 12.30%

USFB stock performance
Open	₹11.51
High	₹12.25
Low	₹11.49
Prev. close	₹11.46

USFB trading activity
Volume	92,57,371
Average traded price	₹11.98
Last traded time	03:57:48 02 Nov
Last traded quantity	50

₹9.17₹13.75

Circuit Low

Circuit High

₹10.12₹20.74

52-Week Low

52-Week High

Circuit

₹9.17

₹13.75

52-week

₹10.12

₹20.74

Mkt Cap Cr

2,041.11

P/E

-2.16

P/B

0.74

NIM

5.18%

ROA

-4.16%

ROE

-34.06%

Net NPA

3.29%

CASA

24.0

Mkt Cap Cr

2,041.11

P/E

-2.16

P/B

0.74

NIM

5.18%

ROA

-4.16%

ROE

-34.06%

Net NPA

3.29%

CASA

24.0

Based on fundamentals, this stock's

Performance

Very Poor

Utkarsh Small F. has not beaten FD return of 7%

Valuation

Overvalued

Utkarsh Small F. appears overvalued compared to its peers

Peer Comparison

Peer comparison — key ratios
Name	Mkt Cap Cr	P/E	P/B	NIM	ROA	ROE	Net NPA	CASA
HDFC Bank	10,68,062.15	12.76	1.77	3.28%	1.94%	13.75%	0.38%	34.0
ICICI Bank	10,01,028.52	15.93	2.61	3.47%	2.33%	16.02%	0.35%	38.6
SBI	8,87,076.69	9.89	1.51	2.42%	1.07%	14.17%	0.39%	39.46
Kotak Mahindra Bank	4,58,597.33	21.35	2.36	3.89%	2.06%	11.0%	0.25%	43.3
Axis Bank	3,78,267.15	12.59	1.65	3.24%	1.45%	12.97%	0.37%	40.0
Union Bank of India	1,41,374.38	6.43	1.03	2.41%	1.25%	14.77%	0.48%	35.21
PNB	1,40,788.56	6.14	0.93	2.2%	0.89%	13.24%	0.29%	37.0
Bank of Baroda	1,23,336.99	6.17	0.71	2.64%	1.0%	11.02%	0.45%	38.9
Indian Bank	1,16,512.38	8.81	1.46	2.9%	1.25%	14.91%	0.15%	39.67
Canara Bank	1,07,351.16	5.28	0.88	2.07%	1.11%	15.07%	0.43%	29.84

Auto-generated based on historical fundamentals; not a recommendation to buy/sell.

USFB Company Background

ISIN

INE735W01017

Sector Market Cap

₹ 2,041.11 Cr

Utkarsh Small Finance Bank Limited (the Bank) is an India-based small finance bank. The Bank is engaged in providing banking and financial services with a focus on providing microfinance to the underserved and unserved sections of the country. Its lending activities are primarily focused on rural and semi-urban locations of the country, while its other services are spread across the country. Its segments include Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. The Corporate/Wholesale Banking segment includes lending, deposits, and other banking services provided to corporate customers of the Bank. The Retail Banking segment includes lending, deposits, and other banking services provided to retail customers of the Bank through a branch network. The Treasury segment includes dealings in statutory liquidity ratio (SLR) and non-SLR investments, maintenance of reserve requirements, and resource mobilization from other banks and financial institutions.

USFB Financial Highlights

Revenue: USFB reported revenue of ₹3,809.75 crore in FY26 vs ₹4,364.76 crore in FY25. It showed a decrease of 12.72% on a yearly basis.
Operating Profit: USFB reported an operating loss of ₹1,506.61 crore in FY26 vs ₹27.65 crore in FY25. It showed a decrease of 5,548.86% on a year-on-year basis.
Net Profit: USFB reported a net loss of ₹1,150.98 crore in FY26 vs ₹23.70 crore in FY25. It showed a decrease of 4,956.46% on a yearly basis.

USFB Quarterly Result Highlights

USFB reported revenue of ₹1,002.37 crore in Jun 2026, compared with ₹952.07 crore in Mar 2026, representing an increase of 5.28% on a quarter-on-quarter (QoQ) basis.
USFB reported an operating loss of ₹45.41 crore in Jun 2026, compared with ₹232.08 crore in Mar 2026, representing an increase of 80.43% on a quarter-on-quarter (QoQ) basis.
USFB reported a loss of ₹33.92 crore in Jun 2026, compared with ₹188.02 crore in Mar 2026, reflecting an increase of 81.96% on a QoQ basis.
The earnings per share (EPS) of USFB stood at ₹8.37 during Jun 2026.

Data Source: BSE, Company announcements

Securities shown are illustrative, not recommendations. Past performance does not guarantee future results.

Promoters

42.67%

FII

10.44%

Other DII

9.17%

Retail and other

37.73%

Mutual funds

0.00%

Foreign Institutional Investor (FII)

FII shareholding by period
Dec 2025	11.80%
Mar 2026	11.49%
Jun 2026	11.90%
Sep 2026	10.44%

USFB Investment Returns

1 day

+4.89%

1 week

+2.56%

1 month

-10.50%

1 year

-40.99%

3 years

-75.96%

5 years

-74.96%

USFB Share Price History

USFB share price history by day, showing open and close prices and the percentage change
Day	Open / Close	Change %
30 Oct 26	₹11.98 / ₹11.46	-3.70%
29 Oct 26	₹11.83 / ₹11.90	+1.36%
28 Oct 26	₹11.80 / ₹11.74	-0.51%
27 Oct 26	₹11.72 / ₹11.80	+0.68%
26 Oct 26	₹11.95 / ₹11.72	-2.09%
23 Oct 26	₹12.17 / ₹11.97	-1.64%
22 Oct 26	₹12.53 / ₹12.17	-3.03%
21 Oct 26	₹13.18 / ₹12.55	-3.83%
19 Oct 26	₹13.25 / ₹13.05	-1.66%
16 Oct 26	₹13.47 / ₹13.27	-1.48%

USFB Financials

Full statement

Income Statement · Standalone

Income Statement · Standalone — all values in INR Crore
Particulars	Mar 2026	Mar 2025	Mar 2024	Mar 2023
Other Income	₹430.97	₹599.83	₹400.34	₹299.31
Total Revenue	₹3,809.75	₹4,364.76	₹3,578.75	₹2,804.29
Total Expenses	₹5,316.37	₹4,337.11	₹2,919.37	₹2,268.47
Profit Before Tax	-₹1,506.62	₹27.65	₹659.39	₹535.81
Tax	-₹355.64	₹3.95	₹161.76	₹131.31
Profit After Tax	-₹1,150.98	₹23.70	₹497.63	₹404.50
EPS - Basic	-₹8.37	₹0.22	₹4.79	₹4.52
EPS - Diluted	-₹8.37	₹0.22	₹4.75	₹4.51

Cash Flow · Standalone

Cash Flow · Standalone — all values in INR Crore
Particulars	Mar 2026	Mar 2025	Mar 2024	Mar 2023
Profit before tax	-₹1,506.61	₹27.65	₹659.39	₹535.81
Income before WC changes	-₹321.55	₹869.75	₹1,086.32	₹926.59
Change in Assets	₹637.34	-₹4,202.86	-₹4,205.06	-₹3,109.49
Change in Liabilities	₹467.97	₹4,097.85	₹4,173.57	₹3,826.74
Change in WC	₹1,105.31	-₹105.01	-₹31.49	₹717.25
Cash flow from Operations	₹780.69	₹875.58	₹991.23	₹1,573.13
Cash flow from Investing	-₹3,308.58	-₹776.88	-₹619.80	-₹693.15
Cash flow from Financing	₹1,412.49	₹310.45	₹139.67	-₹235.27
Total Cash Flow	-₹1,115.39	₹409.15	₹511.11	₹644.71
Cash (Start of the year)	₹3,436.58	₹3,027.43	₹2,516.36	₹1,871.65
Cash (End of the year)	₹2,321.19	₹3,436.58	₹3,027.47	₹2,516.36

Balance Sheet · Standalone

Balance Sheet · Standalone — all values in INR Crore
Particulars	Mar 2026	Mar 2025	Mar 2024	Mar 2023
Total Assets	₹28,869.07	₹28,127.44	₹23,902.68	₹19,117.29
Equity Capital	₹2,775.60	₹2,974.50	₹2,973.19	₹2,000.32
Total Equity & Liabilities	₹28,869.07	₹28,127.44	₹23,902.68	₹19,117.29