Unlisted Shares
Utkarsh Micro Finance(Core Invest) Unlisted Shares
Verified Unlisted CompanyOff-market Transfer · NSDL / CDSL
About Utkarsh Micro Finance(Core Invest) Unlisted Shares
Utkarsh Micro Finance (Core Invest) is a microfinance-focused NBFC engaged in providing financial services to underserved and rural populations. The company offers micro-loans, small business financing, and other financial products, primarily targeting low-income segments.
Share Details
| company Name | Utkarsh Micro Finance(Core Invest) Unlisted Shares |
| indicative Unlisted Share Price | ₹244 |
| market Capitalization | ₹1242 Crore |
| lot Size | 100 |
| 52 Week High | ₹225 |
| 52 Week Low | ₹125 |
| face Value | ₹10 |
| book Value | 253.42 |
| pe Ratio | N/A |
| pb Ratio | 0.47 |
| debt To Equity | 0.74 |
| return On Equity | -16.82 |
| total Outstanding Shares | 93371585 |
| isin | INE936P01012 |
| depository | NSDL & CDSL |
| pan | AAECS2928K |
| cin | U65191UP1990PLC045690 |
| rta | NSDL Database Management |
Income Statement (Profit & Loss) (₹ in Crore)
| Particulars | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Interest Earned | 1,961 | 2,723 | 3,093 | 3,845 |
| Other Income | 134 | 215 | 291 | 310 |
| Interest Expended | 799 | 1,025 | 1,208 | 1,746 |
| Operating Expenses | 760 | 956 | 1,205 | 1,627 |
| Provisions and Contingencies | 454 | 225 | 378 | 1,370 |
| Net Profit / Loss (PAT) | 62 | 554 | 330 | -422 |
| EPS | 6.31 | 56.3 | 43.3 | -42.5 |
Key Financial Ratios (Last 3–5 Years)
| Ratio | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Gross NPA (%) | 6.1 | 3.23 | 2.51 | 9.4 |
| Net NPA (%) | 2.31 | 0.39 | 0.03 | 4.84 |
| Return on Equity (%) | 4.01 | 14.45 | 11.34 | -16.82 |
Financial Annual Report Summary
The company has shown strong growth in advances and income, but profitability has deteriorated significantly in the latest year due to rising provisions and asset quality stress. The business reflects typical microfinance volatility.
Why Invest in Utkarsh Micro Finance(Core
- Strong growth in loan book and income.
- Sharp deterioration in asset quality (GNPA rising to ~9.4%).
- Turned loss-making in latest year.
- Low valuation (P/B ~0.47) indicates stress pricing.
- Highly cyclical and sensitive to credit risk.
Balance Sheet - Assets (₹ in Crore)
| Item | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Fixed Assets | 443 | 516 | 525 | 617 |
| Cash and Balances | 1,872 | 2,516 | 3,029 | 3,441 |
| Investments | 2,328 | 2,795 | 3,650 | 5,022 |
| Advances | 9,934 | 13,540 | 17,650 | 18,040 |
| Other Assets | 316 | 2,085 | 480 | 724 |
| Total Assets | 14,932 | 21,472 | 25,343 | 27,844 |
Balance Sheet - Liabilities & Equity (₹ in Crore)
| Item | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Share Capital | 98.3 | 98.4 | 98.7 | 99.3 |
| FV | 10 | 10 | 10 | 10 |
| Reserves | 1,466 | 3,755 | 2,812 | 2,409 |
| Borrowings | 2,199 | 2,726 | 3,490 | 1,845 |
| Deposits | 10,392 | 14,045 | 17,997 | 22,235 |
| Other Liabilities | 786.7 | 854.8 | 945.3 | 1,257 |
| Total Liabilities | 14,932 | 21,472 | 25,343 | 27,844 |
Liabilities Breakdown & Balance Sheet Insights
Balance Sheet Insights
Strong growth in advances and deposits but rising credit risk.
Liabilities Breakdown
Debt to Equity ratio of ~0.74 indicates moderate leverage for NBFC.
Additional Insights
Loan book expansion strong but asset quality deterioration is concerning.
Cash Flow Insights
- Strong operating cash flow in latest year.
- High volatility typical of NBFC business.
- Dependent on borrowings and deposits.
Shareholding Pattern
Recent
Promoter: Moderate
Institutional: Moderate
Public: Low
Promoters & Management
Experienced management in microfinance and rural lending.
Key Management
Not Available
Registrar & Transfer Agent (RTA)
Registrar: NSDL Database Management
Management Analysis
Focused on financial inclusion but facing asset quality challenges.
Frequently Asked Questions About Utkarsh Micro Finance(Core Invest) Unlisted Shares
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