Top Tweets for #Utkarshsmallfinance
#UTKARSHBNK Look for a breakout.
THIS IS NOT A BUY/SELL/HOLD RECOMMENDATION. PLEASE DO YOUR OWN DUE DILIGENCE BEFORE MAKING A DECISION.
#swingtrading #utkarshsmallfinance
#utkarshbank trying #nseindia #bseindia #nifty #sensex volm good today and also on 15 mins #utkarshsmallfinance
Utkarsh Small Finance Bank :
Cohesion MK Best Ideas Sub-trust ( Mr. Madhusudan Kela ) filed an application (5,71,42,857 shares) towards Rights Issue Allotment.
Keep on Radar.
#utkarshsmallfinance #madhusudankela
▌Utkarsh Small Finance Bank Limited : Q4 Earning
#UtkarshSmallFinanceBank #UtkarshSFBank
#UtkarshBank #UtkarshSmallFinance
#UtkarshSmallFinanceBankQ4 #UtkarshSmallFinanceBankQ4Result
#Q4Results #Q4FY25
☎️ Con-call Highlights - #UtkarshSmallFinance Bank Ltd
**Utkarsh Small Finance Bank Q2 FY25 Earnings Call Key Takeaways**
**Current Financial Performance (Q2 FY25 & H1 FY25):**
- **Gross Loan Portfolio:** Rose by 28.3% year-over-year to Rs.19,101 crore.
- **Deposits:** Saw a robust 39.6% YoY increase, reaching Rs.19,496 crore, primarily fueled by a 47.6% growth in retail term deposits.
- **Asset Quality:**
- **Gross NPAs:** Climbed to 3.88% from the previous year's 2.81%.
- **Net NPAs:** Elevated to 0.89%, up from 0.16% in the previous year.
- **Provision Coverage Ratio (including floating provision):** Recorded at 78%.
- **Floating Provision:** Increased to Rs.190 crore.
- **Capital Ratios:**
- **CD Ratio:** Improved slightly to 93.0%.
- **CRAR:** Healthy at 22.43%.
- **Tier 1 Capital:** Reported at 19.85%.
- **Profitability:**
- **Pre-Provision Operating Profit (PPoP):** Saw a 16.3% YoY increase in Q2, totaling Rs.276 crore.
- **Profit After Tax (PAT):** Declined to Rs.51 crore for Q2.
- **Return Metrics:** ROA at 0.8% and ROE at 6.6% for Q2.
- **Efficiency Metrics:**
- **Cost-to-Income Ratio:** Increased to 58.2%.
- **Net Interest Income (NII):** Jumped 26% YoY to Rs.558 crore.
- **Net Interest Margin (NIM):** Stood at 8.8%.
**Operational Performance:**
- **Branch Network:** Expanded significantly, reaching 967 branches.
- **Customer Base:** Expanded to over 4.8 million customers.
- **Collection Efficiency:** Declined to 92.3% due to external and internal factors impacting the microfinance sector.
- **Borrowers with Multiple Loans:** 14% of microfinance customers held 4 or more loans.
**Future Outlook:**
- **Loan Growth:** Projected at 18-20% YoY for FY25.
- **Deposit Growth:** Expected to remain strong.
- **CD Ratio and Costs:** Further declines anticipated in the CD ratio, with revised credit cost guidance.
- **Mergers and Equity Plans:** Reverse merger application in process with no current equity capital raising plans.
**Concerns:**
- **Macro and Sectoral Headwinds:** Stress in the microfinance sector poses challenges.
- **Collection Efficiency:** Declining trends in the latter part of 2024.
- **Asset Quality Deterioration:** Higher slippages both in microbanking and potential credit cost hikes due to asset write-offs.
**Strategic Measures:**
- Enhancing collection efficiency and asset quality through targeted operational strategies such as redeploying experienced staff, emphasizing discipline in center meetings, and leveraging the floating provision more effectively.
**Conclusion:**
Despite operational expansions and strategic realignments, Utkarsh Small Finance Bank faces sectoral challenges that necessitate cautious optimism in its future performance and robust management interventions to sustain growth.
* Machine generated highlights, exercise diligence
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#UTKARSHSMALLFINANCE
48.15 last traded price
46.25 to 48.25 buy range
42.25 stoploss on closing basis
Short term reversal trade targets 🎯
50 / 53 / 55 / 58 / 61 / 64
66 / 68 / 70+
Positional investment trade targets 🎯
75 / 79 / 83 / 88 / 96 / 100+
Har〽️⭕nics Anand ™️
My #Diwalipicks
LONG TERM SIP
1. #ICICIBANK /#HDFCBANK
2. #UNITEDSPIRITS
3. #IndigoPaints
Mid- term
1. #AAVASFINACIERS
2. #UTKARSHSMALLFINANCE
3.#LIKHITAINFRA
@itsprekshaBaid #Diwali2023 #CDSL #StockMarketindia @sunilgurjar01
Note : Invested but no tips.
Shares of #UtkarshSmallFinance Bank made a strong #Equity market debut and ended with a huge premium of 92% over the issue price of Rs 25.
#StockMarketindia #StockMarketUpdate
https://t.co/Pubp1jCmdl
Affordable banking service provider Utkarsh Small Finance Bank Limited list on Dalal Street
#IPO #listing #utkarshsmallfinance #finance #investments #dalalstreet #stockmarket #organisation
And the disappointment continues. Couldn’t get USB allotment too 😢 😔
#IPO #UtkarshSmallFinance #Bank #iponews #IPOAlert
#UtkarshSmallFinance Bank #IPO final day | Issue bought 18.78 times, retail portion booked 41.82 times.
Utkarsh Small Finance Bank aims to mop up Rs 500 crore via maiden public issue that was opened on July 12, comprising only a fresh issue.
#UtkarshSmallFinance #Bank #IPO
STRONG DEMAND - Retail and HNI categories fully-subscribed within hours.
https://t.co/wSboG2Nsry
#Utkarsh SFB IPO में पैसा लगाएं? जानें मार्केट गुरु Anil Singhvi की स्ट्रैटेजी
#Utkarshsmallfinancebank #UtkarshSmallFinance #UtkarshSmallFinanceBankIPO
https://t.co/S00qViWQGv
#BTVisualStory | #UtkarshSmallFinanceBankIPO opened for retail subscription today. Watch this VISUAL STORY to check latest Utkarsh SFB GMP, #IPO price band, lot size, IPO review and more.
#Utkarshsmallfinancebank #UtkarshSmallFinance
https://t.co/GEefUhymQP
Utkarsh Small Finance Bank IPO आज से खुला, 14 जुलाई तक पैसा लगाने का मौका
#UtkarshSmallFinance #Bank #IPO #iponews #IPOAlert #banking
@AamiTanuja
#UtkarshSmallFinance #Bank is set to enter the primary markets through an #IPO to raise Rs 500 crore. The issue will have no offer for sale.
Here’s all you need to know about the 5th small finance bank available for trading on the stock exchanges. 👇
https://t.co/RpXAgLPZ4Z
@OnlyNickey #StockExchange #MarketsWithMC
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