Utkarsh Small Finance Bank Ltd Financial Snapshot And Strategic Focus

Recent closes: Mar 16 ₹11.94 (-2.79%), Mar 13 ₹12.28 (-2.60%), Mar 12 ₹12.25; YTD -15.10%, 1Y -43.72% vs Sensex +2.71%; trading at 0.91x book value, debtor days 15.2. Secured loans (housing/MSME) yield up 40-150 bps, capital adequacy strong; institutional interest noted despite bearish technicals (Bollinger Bands, MACD).