Utkarsh Small Finance Bank (BOM:543942) Net Interest Income: ₹14,767 Mil (TTM As of Mar. 2026)


BOM:543942 Utkarsh Small Finance Bank Ltd BOM:543942
44 GF Score
Price ₹14.28
GF Value ₹21.50
Valuation Possible Value Trap
! 5 Warning Signs
View Full Analysis

What is Utkarsh Small Finance Bank Net Interest Income?

Utkarsh Small Finance Bank BOM:543942 -3.05% 44 Net Interest Income is ₹14,767 Mil as of Mar. 2026. GuruFocus rates BOM:543942 with a GF Score™ of 44/100 and a GF Value™ of ₹21.50 (Possible Value Trap). The stock has 5 warning signs investors should review.

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors. Utkarsh Small Finance Bank's net interest income for the three months ended in Mar. 2026 was ₹3,761 Mil. Its net interest income for the trailing twelve months (TTM) ended in Mar. 2026 was ₹14,767 Mil.

Utkarsh Small Finance Bank Net Interest Income Related Terms

Utkarsh Small Finance Bank Net Interest Income Historical Data

* Premium members only.

The historical data trend for Utkarsh Small Finance Bank's Net Interest Income can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Utkarsh Small Finance Bank Net Interest Income Chart

Utkarsh Small Finance Bank Annual Data
Trend Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Net Interest Income
Get a 7-Day Free Trial 10,608.51 15,290.31 18,858.03 20,228.64 14,767.42

Utkarsh Small Finance Bank Quarterly Data
Mar21 Mar22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Interest Income Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4,114.08 4,018.13 3,504.75 3,483.48 3,761.06
BOM:543942
44GF Score
Utkarsh Small Finance Bank Ltd BOM:543942
Net Interest Income is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Utkarsh Small Finance Bank Net Interest Income Calculation

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors.

Net Interest Income for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹14,767 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Net Interest Income →
What does a Net Interest Income of ₹14,767 Mil mean?
Utkarsh Small Finance Bank (BOM:543942) has a Net Interest Income of ₹14,767 Mil as of Mar. 2026.
Is Utkarsh Small Finance Bank's Net Interest Income too high?
Utkarsh Small Finance Bank's current Net Interest Income is ₹14,767 Mil. Overall, Utkarsh Small Finance Bank has a GF Score™ of 44/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Utkarsh Small Finance Bank's Net Interest Income compare to competitors?
Utkarsh Small Finance Bank's Net Interest Income of ₹14,767 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Income for a Banks company?
A good Net Interest Income depends on the Banks industry context. However, Net Interest Income should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Interest Income mean?
A high Net Interest Income can signal that a stock is expensive relative to its fundamentals. Utkarsh Small Finance Bank's current Net Interest Income is ₹14,767 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Utkarsh Small Finance Bank stock overvalued right now?
Based on GuruFocus' analysis, Utkarsh Small Finance Bank (BOM:543942) is currently considered Possible Value Trap. The stock's GF Value™ is ₹21.50, compared to a current price of ₹14.28 — trading 33.6% below its estimated fair value. The current Net Interest Income is ₹14,767 Mil. Utkarsh Small Finance Bank's overall GF Score™ is 44/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Income calculated?
Net Interest Income is calculated from a company's financial statements. For Utkarsh Small Finance Bank (BOM:543942), the current Net Interest Income is ₹14,767 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Utkarsh Small Finance Bank (BOM:543942) Overvalued in 2026?

Based on GuruFocus' analysis, Utkarsh Small Finance Bank stock appears to be undervalued. The current stock price of ₹14.28 is trading 33.6% below its estimated GF Value™ of ₹21.50. GuruFocus considers Utkarsh Small Finance Bank to be Possible Value Trap.

Key valuation signals for BOM:543942:

  • Net Interest Income: ₹14,767 Mil
  • GF Value™: ₹21.50 vs. price of ₹14.28 (33.6% below fair value)
  • GF Score™: 44/100 with 5 warning signs

No single metric tells the full story. See the BOM:543942 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Utkarsh Small Finance Bank Business Description

Other Exchanges UTKARSHBNK:India
Address NH - 31 (Airport Road, Utkarsh Tower, Sehmalpur, Kazi Sarai, Harhua, Varanasi, UP, IND, 221105
Utkarsh Small Finance Bank Ltd is an SFB in India. It offers a range of financial products and services that address the specific requirements of its customer segments while assessing factors including income profile and the type of security available. Its asset products include Microbanking loans, retail loans, wholesale lending, housing loans, commercial vehicle/construction equipment loans, and gold loans. On the liabilities side, the company offers savings accounts, current accounts, and a variety of term and recurring deposit accounts. The Bank's business segment includes Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. The bank generates the majority of its revenue from the Retail Banking segment.
44GF Score

Get the complete analysis for BOM:543942

Net Interest Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹14.28
Price
₹21.50
GF Value