TATA CAPITAL LTD: ₹825.00 (0.00%)     TATA REFRACTORIES LTD - KROSAKI: ₹1775.00 (0.00%)     HERO FINCORP LTD: ₹1375.00 (0.00%)     SBI MUTUAL FUNDS LTD: ₹2775.00 (0.00%)     NATIONAL STOCK EXCHANGE: ₹2075.00 ▼ (-0.95%)     POLYMATECH ELECTRONICS LTD: ₹75.00 ▲ (4.17%)     HDFC SECURITIES LTD: ₹10500.00 (0.00%)     CHENNAI SUPER KINGS LTD: ₹185.00 (0.00%)     CAPGEMINI TECHNOLOGY SERVICES: ₹11250.00 ▼ (-2.17%)     STERLITE GRID 5 UNLISTED SHARES: ₹365.00 (0.00%)     MOHAN MEAKIN LTD: ₹2195.00 (0.00%)     MANJUSHREE TECNHOPACK INDIA LTD: ₹1025.00 (0.00%)     SPRAY ENGINEERING DEVICES LTD: ₹305.00 (0.00%)     DEEPAK HOUSEWARE AND TOYS: ₹65.00 ▼ (-4.41%)     KURLON ENTERPRISE LIMITED: ₹450.00 (0.00%)     DELTA GALAXY ENGINEERING SERVICES: ₹49.00 (0.00%)     INDIAN POTASH LTD: ₹3250.00 ▼ (-4.41%)     NCL BUILDTEK LTD: ₹235.00 (0.00%)     OYO HOTELS LTD: ₹47.00 ▲ (17.50%)     ORBIS FINANCIALS CORPORATION LTD: ₹525.00 (0.00%)     APOLLO GREEN ENERGY LTD: ₹108.00 ▼ (-0.92%)     OTIS ELEVATORS COMPANY INDIA LTD: ₹3750.00 (0.00%)     STERLITE POWER TRANSMISSION LTD: ₹575.00 (0.00%)     UTKARSH MICRO FINANCE LTD: ₹205.00 (0.00%)     MERINO LAMINATES LTD: ₹3250.00 (0.00%)     CARRIER AIRCONDITIONING & REFRIGERATION: ₹495.00 (0.00%)     GREENZO ENERGY INDIA LTD: ₹665.00 (0.00%)     VEEDA CHEMICAL RESEARCH LTD: ₹475.00 (0.00%)     STUDDS ACCESSORIES LTD: ₹635.00 (0.00%)     API HOLDINGS LTD: ₹7.25 (0.00%)     NCDEX: ₹345.00 (0.00%)     COCHIN INTERNATIONAL AIRPORT LTD: ₹475.00 (0.00%)     MATRIX GAS AND RENEWABLES LTD: ₹32.00 ▼ (-5.88%)     GOODLUCK DEFENCE & AEROSPACE LTD: ₹318.00 (0.00%)     B9 BEVERAGES LTD: ₹305.00 (0.00%)     DALMIA BHARAT REFRACTORIES LTD: ₹255.00 (0.00%)     IMAGINE MARKETING LTD: ₹1425.00 ▼ (-1.72%)     CARE HEALTH LTD: ₹149.00 (0.00%)     LAVA INTERNATIONAL LTD: ₹42.00 ▲ (10.53%)     HINDUJA LEYLAND FINANCE LIMITED: ₹245.00 ▲ (2.08%)     PHILIPS LIGHTING SIGNIFY INNOVATIONS: ₹1275.00 (0.00%)     ASK INVESTMENT MANAGERS LIMITED: ₹1275.00 (0.00%)     STERLITE ELECTRIC LTD: ₹530.00 (0.00%)     VCI CHEMICALS INDUSTRIES: ₹60.00 (0.00%)     PARAG PARIKH FINANCIAL ADVISORY SERVICES LTD: ₹14750.00 ▲ (3.51%)     HELLA INFERA MARKET PRIVATE LIMITED: ₹210000.00 (0.00%)     NAYARA ENERGY LIMITED: ₹1250.00 (0.00%)     INNOV8 WORKSPACES INDIA LIMITED: ₹52.00 (0.00%)     PACE DIGITEK INFRA PRIVATE LIMITED: ₹225.00 ▲ (9.76%)     POWER EXCHANGE INDIA LIMITED: ₹575.00 ▲ (1.77%)     GFCL EV PRODUCTS LIMITED: ₹52.00 (0.00%)    
UTKARSH MICRO FINANCE LTD Logo

UTKARSH MICRO FINANCE LTD

Last Traded Price

₹205.00 ( 0.00 % )

Principles

Company Name UTKARSH MICRO FINANCE LTD
Market Capitalization (in Cr) ₹ 1974.89
ISIN No. INE396P01012
No. of Outstanding Shares 98744490
PAN No. AAECS9298K
Face Value ₹ 10.00
EPS ₹ 33.40
PE ratio 5.99
P/S Ratio 0.58
Book value ₹ 204.86
P/BV 0.98
DRHP Filed? No
Available on None
Sector NBFC OF UTTKARSH GROUP
CIN U65191UP1990PLC045609
Registration Date May 15, 1990

Stock Performance

Share Details

COMPANY SNAPSHOT

Background & Business Structure

Utkarsh CoreInvest Ltd (formerly Utkarsh Micro Finance Ltd), established in 2009, acts primarily as the holding company for Utkarsh Small Finance Bank (USFBL). It originated as an NBFC focused on Joint Liability Group (JLG) micro-loans, micro-enterprise loans, housing loans, and pension products, before converting into a Core Investment Company (CIC) in 2018 after transferring most lending assets to USFBL.

Banking Arm Performance (USFBL)

  • Loan portfolio: ₹18,299 Cr (YoY growth ~31%)
  • Deposits: ₹17,473 Cr (YoY growth ~27%)
  • Net profit: ₹497.6 Cr (up 23%)
  • Asset quality: GNPA 2.51%, NNPA 0.03%
  • Cost-to-income ratio: 56.4%
  • CRAR: 22.6%

Inclusion Focus

USFBL operates around 888 branches across 26 states and UTs, with a concentrated focus on micro-banking and financially underserved regions (e.g., Bihar, UP, Jharkhand). Nearly 60% of its loan book is focused on rural and microfinance segments.

Strategic Developments

  • RBI-approved merger of Utkarsh CoreInvest with Utkarsh SFB, expected within 12–13 months from January 2025, aims to streamline operations and improve shareholder value.
  • UCL holds ~84.75% in USFBL pre-IPO; RBI mandates listing once net worth crosses ₹500 Cr.

INDUSTRY OUTLOOK

Utkarsh CoreInvest offers investors a play on India's financial inclusion story through its well-capitalized SFB with robust deposit growth and improving asset quality. Key growth drivers include deposit mobility, branch expansion, and diversification into MSME, housing, and rural loans. The upcoming merger and IPO could unlock shareholder value by simplifying structure and broadening access.


LATEST SHAREHOLDING

  • CDC Group PLC: 13,726,978 shares – 14.12%
  • RBL Bank Ltd.: 9,702,950 shares – 9.98%
  • NMI Frontier Fund KS: 7,702,602 shares – 7.92%
  • Faering Capital India Evolving Fund II: 7,660,082 shares – 7.88%
  • Hero Enterprise Partner Ventures: 4,845,496 shares – 4.96%
  • Responsability Participations Mauritius: 4,845,496 shares – 4.96%
  • Shriram Life Insurance Company Ltd: 4,825,531 shares – 4.96%
  • SIDBI: 4,252,134 shares – 4.37%
  • ICICI Prudential Life Insurance Limited: 4,150,995 shares – 4.27%
  • Aavishkaar Goodwell India Microfinance Development Co II Ltd: 4,007,723 shares – 4.12%
  • Other shareholders: 59,951,878 shares – 60.71%
  • Total outstanding shares: 98,744,490 – 100%
Contact background

Contact Us

If you'd like to learn more about The Angel Investing and how we can assist you in navigating your unlisted share investment journey, please get in touch with us.

Reach out to us

Email: info@theangelinvesting.com, Phone:+91 9740940369

Our expert would be happy to provide you personal assistance for your queries.