UTKARSH SMALL FINANCE BANK ORD (BSE) (UTKARSHBNK) — Cash Flow-to-Debt Ratio
UTKARSH SMALL FINANCE BANK ORD (BSE) (UTKARSHBNK) has a Cash Flow-to-Debt Ratio of 0.11x as of September 2025, meaning its operating cash flow of Rs26.94 Billion could theoretically repay 0% of its total liabilities (Rs249.90 Billion) in one year. See UTKARSH SMALL FINANCE BANK ORD (BSE) free cash flow to debt ratio to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
UTKARSH SMALL FINANCE BANK ORD (BSE) Cash Flow-to-Debt Ratio (2017–2026)
Historical debt coverage capacity for UTKARSH SMALL FINANCE BANK ORD (BSE) across 10 annual periods. For the full cash flow conversion analysis, see UTKARSHBNK cash flow conversion.
Annual Cash Flow-to-Debt Ratio for UTKARSH SMALL FINANCE BANK ORD (BSE) (2017–2026)
Year-by-year debt coverage analysis for UTKARSH SMALL FINANCE BANK ORD (BSE). Check UTKARSHBNK operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (INR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2026 | 0.00x | Rs-122.29 Million | Rs260.93 Billion | ▲ +99.6% |
| 2025 | -0.13x | Rs-32.18 Billion | Rs251.53 Billion | ▲ +3.4% |
| 2024 | -0.13x | Rs-27.71 Billion | Rs209.29 Billion | ▼ -9.9% |
| 2023 | -0.12x | Rs-20.63 Billion | Rs171.17 Billion | ▼ -222.3% |
| 2022 | 0.10x | Rs13.29 Billion | Rs134.91 Billion | ▲ +1371.2% |
| 2021 | -0.01x | Rs-834.63 Million | Rs107.70 Billion | ▲ +95.1% |
| 2020 | -0.16x | Rs-13.29 Billion | Rs83.85 Billion | ▲ +37.2% |
| 2019 | -0.25x | Rs-13.79 Billion | Rs54.66 Billion | ▲ +18.3% |
| 2018 | -0.31x | Rs-12.70 Billion | Rs41.12 Billion | ▼ -3440.0% |
| 2017 | -0.01x | Rs-206.80 Million | Rs23.70 Billion | — |