UTKARSH SMALL FINANCE BANK ORD (BSE) (UTKARSHBNK) — Financial Flexibility Index
UTKARSH SMALL FINANCE BANK ORD (BSE) (UTKARSHBNK) has a Financial Flexibility Index of 0.11x as of September 2025. Free cash flow of Rs27.78 Billion (operating CF Rs26.94 Billion minus capex Rs845.03 Million) represents 0% of total liabilities (Rs249.90 Billion). Check cash flow reinvestment rate of UTKARSH SMALL FINANCE BANK ORD (BSE) to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
UTKARSH SMALL FINANCE BANK ORD (BSE) Financial Flexibility Index (2017–2026)
Historical Financial Flexibility Index trend for UTKARSH SMALL FINANCE BANK ORD (BSE) across 10 annual periods. For the full cash flow conversion analysis, see UTKARSHBNK operating cash flow.
Annual Financial Flexibility Index for UTKARSH SMALL FINANCE BANK ORD (BSE) (2017–2026)
Year-by-year free cash flow to debt coverage for UTKARSH SMALL FINANCE BANK ORD (BSE). Explore debt repayment capacity of UTKARSH SMALL FINANCE BANK ORD (BSE) to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2026 | 0.01x | Rs1.37 Billion | Rs-122.29 Million | Rs260.93 Billion | ▲ +104.3% |
| 2025 | -0.12x | Rs-30.59 Billion | Rs-32.18 Billion | Rs251.53 Billion | ▲ +5.8% |
| 2024 | -0.13x | Rs-27.01 Billion | Rs-27.71 Billion | Rs209.29 Billion | ▼ -11.2% |
| 2023 | -0.12x | Rs-19.87 Billion | Rs-20.63 Billion | Rs171.17 Billion | ▼ -206.1% |
| 2022 | 0.11x | Rs14.76 Billion | Rs13.29 Billion | Rs134.91 Billion | ▲ +28868.7% |
| 2021 | 0.00x | Rs-40.95 Million | Rs-834.63 Million | Rs107.70 Billion | ▲ +99.8% |
| 2020 | -0.15x | Rs-12.83 Billion | Rs-13.29 Billion | Rs83.85 Billion | ▲ +38.0% |
| 2019 | -0.25x | Rs-13.48 Billion | Rs-13.79 Billion | Rs54.66 Billion | ▲ +14.6% |
| 2018 | -0.29x | Rs-11.88 Billion | Rs-12.70 Billion | Rs41.12 Billion | ▼ -1401.7% |
| 2017 | 0.02x | Rs526.06 Million | Rs-206.80 Million | Rs23.70 Billion | — |