UTKARSHBNK.NS Utkarsh Small Finance Bank (NSE) earnings due 26 Jan 2026: margin watch
We start intraday coverage on UTKARSHBNK.NS stock with earnings due 26 Jan 2026 and the share trading at INR 13.70 on 22 Jan 2026. Utkarsh Small Finance Bank (UTKARSHBNK.NS) faces a critical quarter for margins and asset quality. Volume is active at 15,074,100 shares versus an avg of 15,071,426. In this earnings spotlight we track loan growth, credit cost assumptions and near-term price triggers for NSE traders in India.
Earnings calendar and key dates for UTKARSHBNK.NS stock
Utkarsh Small Finance Bank (UTKARSHBNK.NS) reports results on 26 Jan 2026. Analysts will watch net interest margin and provisioning. The stock’s last close was INR 13.70, day range INR 13.42–14.45, and year high is INR 32.85. This calendar date drives intraday flows and options activity ahead of the release.
Q3 expectations: margins, credit costs and loan book
We expect sequential pressure on operating margin driven by higher funding costs and slower retail gold and MSME demand. Utkarsh has reported mixed growth historically; revenue per share is INR 32.03 and net income per share is negative INR 5.80 on a trailing basis. Watch credit costs and slippages; a contained gross non-performing loan read would limit downside during intraday trading.
Financial snapshot and valuation for UTKARSHBNK.NS stock
On fundamentals UTKARSHBNK.NS shows a price/book of 0.77 and book value per share of INR 18.43. EPS is -5.81 and trailing PE reads -2.43, reflecting losses. Debt to equity is 0.82 and return on equity is -26.27%. These ratios explain the weak share performance: price is 34.00% below the 50-day average of INR 15.37 and 33.07% below the 200-day average of INR 20.47.
Technical and intraday trading view for UTKARSHBNK.NS
Technically the stock is oversold with RSI 37.30 and CCI at -142.96. Immediate intraday support is near the year low INR 13.53 and resistance sits at today’s high INR 14.45 and the 50-day average INR 15.37. Volume is in line with average at 15,074,100 shares, so price moves on earnings could be amplified. Traders should watch ATR INR 0.54 for stop placement.
Meyka AI grade and UTKARSHBNK.NS stock forecast
Meyka AI rates UTKARSHBNK.NS with a score out of 100: 70.18 (B+) — BUY. This grade factors in S&P 500 benchmark comparison, sector performance, financial growth, key metrics, and analyst consensus. Meyka AI’s forecast model projects a monthly target of INR 13.70 and a quarterly target of INR 11.48. Forecasts are model-based projections and not guarantees. For company detail see the Utkarsh site source and NSE quote source.
Risks and catalysts ahead for UTKARSHBNK.NS stock
Key upside catalysts are lower-than-expected slippages and improved NIM. Macro risk includes higher systemic rates that squeeze margins. Corporate governance or capital raise headlines could also move the stock quickly. Watch the RBI stance and regional MSME demand trends, which materially affect Utkarsh’s loan book performance.
Final Thoughts
Key takeaways for UTKARSHBNK.NS stock on 22 Jan 2026: earnings on 26 Jan are the near-term catalyst. The bank trades at INR 13.70, with book value INR 18.43 and PB 0.77, leaving a valuation gap if profitability normalises. Meyka AI’s forecast model projects a monthly level of INR 13.70 and a quarterly level of INR 11.48. That quarterly projection implies a downside of -16.13% versus the current price. For scenario planning we set a conservative price target of INR 16.00 (implied upside 16.79%) and a bullish price target of INR 21.50 (implied upside 56.93%). These targets reflect book-value recovery and a return toward the 200-day average. Remember, Meyka AI is an AI-powered market analysis platform; forecasts are model-based projections and not guarantees. On intraday trading, focus on NIM and credit-cost headlines. If results beat on provisions and NIM, expect short-covering toward the 50-day average. If credit costs surprise higher, watch the year low for stop-loss discipline.
FAQs
When does Utkarsh Small Finance Bank report earnings?
Utkarsh Small Finance Bank (UTKARSHBNK.NS) is scheduled to report earnings on 26 Jan 2026. Watch for updates on net interest margin, provisioning and loan growth during the report.
What is the current price and valuation of UTKARSHBNK.NS stock?
On 22 Jan 2026 UTKARSHBNK.NS traded at INR 13.70. Key ratios: PB 0.77, book value INR 18.43, EPS -5.81 and PE -2.43, reflecting current losses.
What targets and forecast exist for UTKARSHBNK.NS stock?
Meyka AI’s model projects monthly INR 13.70 and quarterly INR 11.48. We suggest a conservative target INR 16.00 and a bullish target INR 21.50, based on book value and moving averages.
What are the main risks for UTKARSHBNK.NS before earnings?
Main risks include higher-than-expected credit costs, margin compression from funding costs, and weak MSME demand. Regulatory or capital news could also affect intraday moves.
Disclaimer:
Stock markets involve risks. This content is for informational purposes only. Past performance does not guarantee future results. Meyka AI PTY LTD provides market analysis and data insights, not financial advice. Always conduct your own research and consider consulting a licensed financial advisor.
