Utkarsh Coreinvest Unlisted Shares
Utkarsh CoreInvest Limited is an RBI-registered NBFC based in Varanasi. It is the promoter and holding company of the listed Utkarsh Small Finance Bank, which drives its consolidated numbers.
Read the full company profileUtkarsh Coreinvest share details
- Lot size
- 100 shares
- Min. investment
- ₹12,500
- Face value
- ₹2
- Implied market cap
- ₹1,242 Cr
- Shares outstanding
- 99,378,215
- Headquarters
- Varanasi, Uttar Pradesh
- Website
- utkarshcoreinvest.com
- ISIN
- INE396P01012
- CIN
- U65191UP1990PLC045609
- Lock-in after IPO
- 6 months
Utkarsh Coreinvest share price chart
Indicative off-market dealer quotes, not exchange prices. A flat stretch means the quote did not change on those days.
About Utkarsh Coreinvest
Strengths
- UCL's main asset is its stake in Utkarsh Small Finance Bank, a listed lender. Consolidated revenue from operations was ₹36,748.97 million in FY26.
- The consolidated balance sheet is large, with total assets of ₹290,109.71 million at March 31, 2026, and loans of ₹180,194.69 million.
- The group has a big deposit base of ₹226,113.62 million, which funds most of its lending.
- The planned reverse merger has RBI and stock exchange no-objection and a positive shareholder vote, which would give UCL shareholders direct bank shares.
- The group keeps liquidity on hand, with cash and cash equivalents of ₹17,770.23 million and investments of ₹70,033.51 million at March 31, 2026.
- UCL's standalone balance sheet has no loans or debt securities taken during FY26, as stated in the annual report.
Risks
- The group made a consolidated loss of ₹8,383.52 million in FY26, after a loss of ₹4,222.95 million in FY25.
- Impairment on financial instruments was ₹13,106.45 million in FY26, which shows pressure on loan quality in the microfinance book.
- Revenue from operations fell to ₹36,748.97 million in FY26 from ₹38,894.06 million in FY25.
- Operating cash flow was negative at ₹6,921.81 million in FY26, against a positive ₹30,259.94 million in FY25.
- Consolidated net worth attributable to equity holders of the parent dropped to ₹11,538.30 million from ₹17,279.14 million a year earlier.
- The merger still needs final NCLT approval. If it is delayed or changed, the timeline and the share swap outcome for UCL holders could change.
- UCL's stake in the bank was diluted from 68.92% to 42.67% after it skipped the bank's rights issue, so its share of the bank's results has shrunk.
- Unlisted shares have no stock exchange price discovery. Indicative prices can move on dealer demand, and selling at the quoted price is not assured.
Utkarsh Coreinvest financial performance
Revenue, profit and balance-sheet figures by fiscal year.
| Metric | FY26Latest | FY25 |
|---|---|---|
| Revenue (₹ Cr) | 3,675 | 3,889 |
| PAT (₹ Cr) | -838 | -422 |
| PAT Margin (%) | -22.81 | -10.86 |
| RoNW (%) | -72.66 | -24.44 |
| EPS (₹) | -84.57 | -42.66 |
| Total Assets (₹ Cr) | 29,011 | 27,844 |
| Net Worth (₹ Cr) | 1,154 | 1,728 |
Swipe the table sideways for earlier years →
Management team
Buy or sell Utkarsh Coreinvest unlisted shares
Get a live quote on WhatsApp in under 60 seconds. Current price ₹125. Shares are delivered to your own demat in 24–48 hours, never to a custodian.
Indicative off-market price, not an exchange quote. Read the disclaimer.
Utkarsh Coreinvest unlisted shares: common questions
Important disclaimer
Unlisted shares are not traded on stock exchanges. Prices shown are indicative and based on off-market transactions; they may differ from eventual listing or future market prices. Exit liquidity depends on counter-party availability. SEBI mandates a 6-month lock-in on pre-IPO shares post-listing. Gains held beyond 24 months are taxed at 12.5% LTCG (no indexation). IPO Guru is not a SEBI Registered Investment Advisor. Information here is for general awareness, not personalised investment advice. Please consult your tax advisor before investing.
