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Utkarsh Small Finance Bank Ltd is an Indian financial institution offering banking services to underserved sections of society, particularly in rural and semi-urban areas. It provides a range of services including savings and current accounts, fixed deposits, loans, and insurance. The bank was established in 2016 and has grown rapidly by leveraging technology to offer accessible banking solutions to low- and middle-income individuals and small businesses. Utkarsh Small Finance Bank Share Price on NSE as of 20 November 2024 is 35.33 INR. Here will provide you more details on Utkarsh Small Finance Bank Share Price Target 2024, 2025, 2026 to 2030.

Utkarsh Small Finance Bank Ltd: Market Overview

• Open Price: ₹36.01
• High Price: ₹36.65
• Low Price: ₹35.20
• Previous Close: ₹35.94
• Volume: 1,974,727
• Value (Lacs): ₹698.46
• VWAP: ₹35.74
• UC Limit: ₹43.12
• LC Limit: ₹28.75
• P/E ratio: ₹8.42
• Div yield: 1.42%
• 52-wk high: ₹68.30
• 52-wk low: ₹34.91
• Mkt cap: ₹3.89KCr
• Face Value: ₹10

Utkarsh Small Finance Bank Ltd Competitors

Here are four competitors of Utkarsh Small Finance Bank Ltd with their market capitalizations:

1. Equitas Small Finance Bank Ltd – Market Capitalization: ₹7,148 crore
2. Ujjivan Small Finance Bank Ltd – Market Capitalization: ₹6,572 crore
3. Jana Small Finance Bank Ltd – Market Capitalization: ₹4,312 crore
4. ESAF Small Finance Bank Ltd – Market Capitalization: ₹2,009 crore.

Utkarsh Small Finance Bank Share Price Chart

Utkarsh Small Finance Bank Share Price Target Tomorrow 2024 To 2030

Utkarsh Small Finance Bank Share Price Target 2024

Utkarsh Small Finance Bank share price target 2024 Expected target could be ₹70. Here are three key factors that could impact Utkarsh Small Finance Bank’s share price target for 2024:

• Expansion of Digital Banking and Financial Inclusion: Utkarsh Small Finance Bank’s ability to reach underserved markets through digital banking will play a crucial role in its growth. By offering innovative digital solutions and expanding its footprint, particularly in rural areas, the bank can enhance customer acquisition, loan disbursements, and deposit growth​.
• Strengthening Asset Quality and Loan Portfolio Growth: The bank’s success in managing its Non-Performing Assets (NPA) and increasing its loan book, especially in sectors like microfinance and MSME lending, will be essential. Strong asset quality coupled with a growing customer base will likely help improve profitability and investor confidence​.

• Regulatory and Economic Environment: Regulatory policies impacting small finance banks and overall economic conditions, such as interest rates and inflation, can directly affect Utkarsh’s performance. The bank’s ability to adapt to these changes, especially amid evolving financial inclusion policies, will influence its growth prospects.

Utkarsh Small Finance Bank Share Price Target 2025

Utkarsh Small Finance Bank share price target 2025 Expected target could be ₹90. Here are three key factors that could impact Utkarsh Small Finance Bank’s share price target for 2025:

• Digital Transformation and Financial Inclusion: The bank’s focus on expanding digital banking services and increasing financial inclusion will continue to be a major growth driver. By leveraging technology and innovative products to reach underserved segments, Utkarsh can boost customer acquisition and enhance operational efficiency. This expansion will enable the bank to tap into new revenue streams and improve customer service​.
• Asset Quality and Loan Portfolio Growth: Maintaining and improving asset quality, particularly by managing Non-Performing Assets (NPAs), will be crucial for sustained growth. The bank’s ability to diversify its loan portfolio across sectors like microfinance, agriculture, and small business lending will also play a critical role. Effective credit risk management and efficient recovery mechanisms are key to maintaining profitability and managing costs​.

• Regulatory Environment and Economic Conditions: Regulatory changes and macroeconomic conditions, such as interest rate fluctuations and inflation, will have a significant impact on Utkarsh’s performance. The bank’s ability to navigate these regulatory challenges and adapt to the evolving financial landscape will influence its growth trajectory in 2025. Staying compliant with relevant policies while balancing profitability and risk management will be essential for future expansion​.

Utkarsh Small Finance Bank Share Price Target 2030

Utkarsh Small Finance Bank share price target 2030 Expected target could be ₹190. Here are three risks and challenges that could affect Utkarsh Small Finance Bank’s share price target by 2030:

• Regulatory and Compliance Risks: As a small finance bank, Utkarsh is subject to evolving regulations in the financial sector. Any changes in policies or stricter regulatory norms, especially those related to lending practices or capital adequacy requirements, could significantly impact its operations. Maintaining compliance while staying profitable will be a constant challenge​.
• Credit Risk and Asset Quality: As the bank focuses on expanding its loan book in underserved markets, particularly in microfinance and small business lending, managing credit risk will be critical. A higher rate of loan defaults, especially in economically vulnerable regions, could lead to an increase in Non-Performing Assets (NPAs), affecting profitability. Effective risk management will be essential for ensuring sustainable growth​.

• Intensifying Competition: The small finance banking sector is becoming increasingly competitive, with new entrants and established players vying for market share. Larger banks with more resources and fintech companies offering alternative solutions could challenge Utkarsh’s growth prospects. The bank will need to innovate continually and improve customer service to maintain its market position.

Utkarsh Small Finance Bank Ltd Shareholding Pattern 

• Promoters: 68.94%
• Retails and Others: 20.06%
• Mutual Funds: 7.03%
• DII: 2.98%
• FII: 0.99%

Utkarsh Small Finance Bank Ltd Financials

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