Utkarsh Coreinvest Unlisted Share

Industry Overview

·  Being a new segment in the banking sector, the SFBs have been making

strong inroads into the credit market and enabling financial inclusiveness

across the country.

·  SFBs currently hold a minor market share of 1.14% in advances and 0.71%

in deposits of the entire banking sector as on March 31, 2022.

·  The total deposits of SFBs in FY-22 stood at ₹1,45,730.5 crore compared

to ₹1,09,472.5 crore in FY-21 (33.1% UP YOY)

·  The advances book for SFBs have grown at a CAGR of 40% over the past 4

years, compared to private sector banks which have clocked a CAGR

growth of 18% for the same period.

·  Further, the GNPA of SFBs in FY-22 was pegged at 4.9% compared to 5.4%

in FY-21.

·  Increasing population, rising disposable income, rising credit penetration

and rising demand in construction has been the key demand drivers of the industry.

Banking Outlets

·  The Bank has a well penetrated rural and semi- urban presence, with around 27.35% of the Bank’s banking outlets being located in unbanked areas as against the regulatory minimum requirement of 25%.

·  The Bank is expanding its franchise and presence continuously, which is also reflected in the fact that the Bank opened more than 270 branches during FY22 & FY23 despite COVID disruption.

·  USFBL offered its banking services through 830 banking outlets as on March 31, 2023, these branches being classified internally as Micro- banking (MB) and General banking (GB) branches. As of FY-23, the Bank had 579 MB branches and 251 GB branches.

Product Portfolio

Utkarsh Coreinvest Ltd. holds 75,93,12,698 shares (84.79%) of Utkarsh Small Finance Bank.

Utkarsh Coreinvest Annual Report 2022-2023

Utkarsh Coreinvest Annual Report 2021-2022

Utkarsh Coreinvest Annual Report 2020-2021

Utkarsh Coreinvest Annual Report 2019-2020