IPO Advisory
In-depth, experienced and seamless execution throughout the IPO Process.
IPO Detail
IPO Information
Financial
Financial Report
Peer Comparison
Peer Comparison Report
Performance
Performance Report
Utkarsh Small Finance Bank IPO is a Book Building listing on BSE,NSE exchange, with an ipo size of ₹ 500.00 Cr. The company is based in Varanasi and caters to Banking And Finance sector. ICICI Securities , Kotak Mahindra Capital Company are the merchant bankers of Utkarsh Small Finance Bank IPO. It is a MainBoard IPO which filed its Draft Red Herring Prospectus (DRHP) on 4th March 2021.
Utkarsh Small Finance Bank IPO posted revenues of ₹ 2804.29 crores and PAT of ₹ 404.50 crores in FY25 on annualised basis.
Revenue:
₹ 37.73 Cr.
EBITDA Margin:
1,575.59
% 
Net Worth: ₹ 2000.32 Cr.
Market Capitalisation:
₹ 2739.76 Cr.
P/E:
[●]
P/BV: 1.10 times
EV/EBITDA: 6.56 times
Financial results of Utkarsh Small Finance Bank IPO based on restated financials as per prospectus and IPO review parameters can be referred to below.
| Financials | FY23 | FY22 | FY21 | ||
|---|---|---|---|---|---|
|
Balance Sheet
|
|||||
| Assets | 19117.54 | 15063.77 | 12137.91 | ||
| Net Worth | 2000.32 | 1572.29 | 1368.35 | ||
| Total Debt | 2349.47 | 2571.93 | 2607.82 | ||
|
Profit & Loss
|
|||||
Revenue
Revenue on annualised basis |
37.73 | 41.94 | 46.15 | ||
EBITDA
EBITDA on annualised basis |
594.47 | 120.59 | 181.01 | ||
PAT
PAT on annualised basis |
658.22 | 268.71 | 257.29 | ||
Utkarsh Small Finance Bank IPO PAT Margin is 1,744.55 % , ROCE (Return on Capital Employed) is [●] % as per latest financial. The below table shows Utkarsh Small Finance Bank IPO Key Performance Indicators (KPI) as mentioned in company’s prospectus.
| Particulars | FY23 | FY22 | FY21 |
|---|---|---|---|
| EBITDA Margin (%) | 1,575.59 | 287.53 | 392.22 |
| PAT Margin (%) | 1,744.55 | 640.70 | 557.51 |
| EPS (₹) | 4.52 | 0.70 | 1.46 |
| ROE (%) | 32.91 | 17.09 | 18.80 |
| ROCE (%) | [●] | [●] | [●] |
| ROA (%) | 3.44 | 1.78 | 2.12 |
| Debt to Equity | 1.17 | 1.64 | 1.91 |
The market Capitalisation of Utkarsh Small Finance Bank IPO is ₹ 2739.76 crores at the time of IPO and other IPO valuation metrics of this IPO is mentioned below.
The Utkarsh Small Finance Bank IPO prospectus highlights an Return on Equity (ROE) of 32.91 % , Return on Assets (ROA) of 3.44 %, and an EBITDA Margin of 1,575.59 %, showcasing financial performance.
Profitability ratios like Return on Equity (ROE), Return on Assets (ROA), and Net Profit Margin shows Utkarsh Small Finance Bank IPO financial report. Analysing these metrics can provide insights into the company’s efficiency, profitability, and long-term growth potential.
The post-IPO market capitalisation of Utkarsh Small Finance Bank IPO is ₹ 2739.76 Cr., based on the issue price and share structure. It helps investors gauge the company’s valuation and compare it with industry peers before investing.
The Utkarsh Small Finance Bank IPO has a Price-to-Earnings (PE) ratio of [●], indicating valuation compared to industry peers. It helps investors determine if the stock is overvalued or undervalued compared to its earnings and industry peers.
Utkarsh Small Finance Bank IPO reported revenue of ₹ 2804.29 Cr. in the latest fiscal year, showing business performance, on annualised basis. Revenue figures from Utkarsh Small Finance Bank IPO provide insights into sales growth, market demand, and business scalability.
Utkarsh Small Finance Bank recorded an EBITDA of ₹ 594.47 Cr., reflecting operational efficiency. EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortisation) measures operational profitability.
Utkarsh Small Finance Bank Profit After Tax (PAT) is ₹ 658.22 Cr., reflecting earnings growth. Profit After Tax (PAT) reflects the company’s actual earnings after all expenses, taxes, and deductions
Revenue:
₹ 37.73 Cr.
EBITDA Margin:
1,575.59
%
Net Worth: ₹ 2000.32 Cr.
Market Capitalisation:
₹ 2739.76 Cr.
P/E:
[●]
P/BV: 1.10 times
EV/EBITDA: 6.56 times
Utkarsh Small Finance Bank operates in Banking And Finance and Small Finance Banks Having A Pan-India Presence. The Issue is listed on BSE,NSE in Jul, 2023. Utkarsh Small Finance Bank IPO size was 500.00 with Issue price of 25.00 .
Merchant Banker(s) of Utkarsh Small Finance Bank IPO: ICICI Securities Limited , Kotak Mahindra Capital Company Limited
Utkarsh Small Finance Bank IPO subscription was 110.77 X. IPO subscription refers to applications received in an IPO by each quota, i.e., QIB, Retail, and NII. In some IPOs, Eligible employee quota and shareholder’s quota are also present. Learn more about IPO subscriptions here.
Utkarsh Small Finance Bank IPO listed at a listing price of 59.85 against the offer price of 25.00.
The current market price of Utkarsh Small Finance Bank is 24.47.
Why Us?
