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  3. Utkarsh CoreInvest

Utkarsh CoreInvest Unlisted Share Price Today

ISIN INE396P01012.

About Company Utkarsh CoreInvest  (UCL) is an RBI-registered NBFC – Core Investment Company (CIC–ND-SI) headquartered in Varanasi, Uttar Pradesh. Incorporated in 1990, the company transitioned from a microfinance entity into a Core Investment Company and currently serves as the promoter-holding company of Utkarsh Small Finance Bank Limited (USFBL) , which was established in 2016–17. UCL operates as a passive holding structure, deriving value primarily from its majority stake in its liste…

Utkarsh CoreInvest

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Utkarsh CoreInvest

Utkarsh CoreInvest Unlisted Share Price Today

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SectorFinancial Services
ISININE396P01012
Depository
Market Cap₹1,222.16 Cr
P/E Ratio-2.89
ROE (%)-15.58
Revenue₹3,889.41 Cr
Book Value252.43
Debt to Equity0.87
Face Value10
52W High₹198
52W Low₹112
Market Cap₹1,222.16 Cr
P/E Ratio-2.89
ROE (%)-15.58
Revenue₹3,889.41 Cr
Book Value252.43
Debt to Equity0.87
52W High/Low₹198 / ₹112
Face Value10
As of FY25

About the company & Industry

About Company

Utkarsh CoreInvest  (UCL) is an RBI-registered NBFC – Core Investment Company (CIC–ND-SI) headquartered in Varanasi, Uttar Pradesh. Incorporated in 1990, the company transitioned from a microfinance entity into a Core Investment Company and currently serves as the promoter-holding company of Utkarsh Small Finance Bank Limited (USFBL), which was established in 2016–17.

UCL operates as a passive holding structure, deriving value primarily from its majority stake in its listed banking subsidiary. Through USFBL, the group focuses on financial inclusion, micro-banking, MSME lending, affordable housing finance, and retail banking services across rural and semi-urban India.

About Company

Utkarsh CoreInvest  (UCL) is an RBI-registered NBFC – Core Investment Company (CIC–ND-SI) headquartered in Varanasi, Uttar Pradesh. Incorporated in 1990, the company transitioned from a microfinance entity into a Core Investment Company and currently serves as the promoter-holding company of Utkarsh Small Finance Bank Limited (USFBL), which was established in 2016–17.

UCL operates as a passive holding structure, deriving value primarily from its majority stake in its listed banking subsidiary. Through USFBL, the group focuses on financial inclusion, micro-banking, MSME lending, affordable housing finance, and retail banking services across rural and semi-urban India.

Financials

Earnings Collapse in FY25

Despite revenue growth to ₹3,889 Cr (+23.85% YoY), PAT turned negative at ₹(422) Cr in FY25 due to elevated provisioning.

FY23 Was a Cyclical High

Profitability peaked in FY23 (PAT ₹554 Cr; PAT margin 20.18%) before declining sharply in FY24–FY25.

High Earnings Volatility

EPS swung from ₹55.88 (FY23) to ₹-42.50 (FY25), reflecting strong dependence on credit costs.

Income Statement

Revenue(Figures in Cr.)

Earnings Collapse in FY25

Despite revenue growth to ₹3,889 Cr (+23.85% YoY), PAT turned negative at ₹(422) Cr in FY25 due to elevated provisioning.

FY23 Was a Cyclical High

Profitability peaked in FY23 (PAT ₹554 Cr; PAT margin 20.18%) before declining sharply in FY24–FY25.

High Earnings Volatility

EPS swung from ₹55.88 (FY23) to ₹-42.50 (FY25), reflecting strong dependence on credit costs.

Income Statement

Revenue(Figures in Cr.)

Competitive Position

Market Share

P/E Ratio

Financial Ratio Comparison (FY25)

Particulars
Utkarsh CoreInvest
Ujjivan Small Finance Bank
Equitas Small Finance Bank
Revenue (₹ Cr)3889.416352.396311.73
Revenue Growth (%)23.8511.8915.04
Net Profit Margin (%)-10.865.442.33
ROE (%)-15.585.912.44
Gross NPA (%)9.432.182.89
Debt to Equity0.870.470.35
ROA (%)-15.86--
Capital Adequacy Ratio (%)20.9323.1020.60

Market Share

P/E Ratio

Financial Ratio Comparison (FY25)

Particulars
Utkarsh CoreInvest
Ujjivan Small Finance Bank
Equitas Small Finance Bank
Revenue (₹ Cr)3889.416352.396311.73
Revenue Growth (%)23.8511.8915.04
Net Profit Margin (%)-10.865.442.33
ROE (%)-15.585.912.44
Gross NPA (%)9.432.182.89
Debt to Equity0.870.470.35
ROA (%)-15.86--
Capital Adequacy Ratio (%)20.9323.1020.60

Management

Shareholding PatternAs of FY26
British International Investment PLC
13.81%
RBL Bank Limited
8.64%
NMI Frontier Fund KS, Norway
7.75%
Faering Capital India Evolving FUND II
7.71%
Others
62.09%

Key Managerial Personnel

As of FY26
NameDesignation and Experience
Mr. Suman Saurabh
Managing Director & Chief Executive Officer
Mr. Harshit Agrawal
Chief Executive Officer

Shareholding PatternAs of FY26
British International Investment PLC
13.81%
RBL Bank Limited
8.64%
NMI Frontier Fund KS, Norway
7.75%
Faering Capital India Evolving FUND II
7.71%
Others
62.09%

Key Managerial Personnel

As of FY26
NameDesignation and Experience
Mr. Suman Saurabh
Managing Director & Chief Executive Officer
Mr. Harshit Agrawal
Chief Executive Officer
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DECLARATION OF RISKTERMS OF USEPRIVACY POLICY
Utkarsh CoreInvest reported revenue of ₹3889.41 Cr in FYFY25. PAT was ₹N/A Cr. See full financials on this page.

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