{"id":184862,"date":"2026-08-05T09:30:03","date_gmt":"2026-08-05T04:00:03","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=184862"},"modified":"2026-08-05T09:30:06","modified_gmt":"2026-08-05T04:00:06","slug":"suryoday-small-finance-bank-vs-utkarsh-small-finance-bank-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-vs-utkarsh-small-finance-bank-comparison\/","title":{"rendered":"Suryoday Small Finance Bank vs Utkarsh Small Finance Bank: Which Stock Should You Track"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Suryoday SFB MCap Rs 1,742 Cr, PE 9.08x, ROE 9.23%. Utkarsh SFB MCap Rs 2,598 Cr, PE N\/A (loss-making), ROE -41.47%.<\/em><\/p>\n<p>Suryoday Small Finance Bank vs Utkarsh Small Finance Bank is a comparison small finance bank investors look up when evaluating two mid-tier SFBs with different risk and recovery profiles. Suryoday Small Finance Bank is profitable and growing gross advances at above 30 percent year on year as of Q1 FY27, while Utkarsh Small Finance Bank is currently loss-making with a negative return on equity, navigating the aftermath of a microfinance stress cycle.<\/p>\n<p>This Suryoday Small Finance Bank vs Utkarsh Small Finance Bank article covers reach and market position, key products, latest declared results and stock valuation. The Suryoday Small Finance Bank vs Utkarsh Small Finance Bank data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-vs-utkarsh-small-finance-bank-comparison\/#Suryoday_Small_Finance_Bank_vs_Utkarsh_Small_Finance_Bank_Reach_and_Market_Position\" title=\"Suryoday Small Finance Bank vs Utkarsh Small Finance Bank: Reach and Market Position\">Suryoday Small Finance Bank vs Utkarsh Small Finance Bank: Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-vs-utkarsh-small-finance-bank-comparison\/#Suryoday_Small_Finance_Bank_vs_Utkarsh_Small_Finance_Bank_Key_Products_and_Business_Mix\" title=\"Suryoday Small Finance Bank vs Utkarsh Small Finance Bank: Key Products and Business Mix\">Suryoday Small Finance Bank vs Utkarsh Small Finance Bank: Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-vs-utkarsh-small-finance-bank-comparison\/#Suryoday_Small_Finance_Bank_vs_Utkarsh_Small_Finance_Bank_Latest_Results\" title=\"Suryoday Small Finance Bank vs Utkarsh Small Finance Bank: Latest Results\">Suryoday Small Finance Bank vs Utkarsh Small Finance Bank: Latest Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-vs-utkarsh-small-finance-bank-comparison\/#Suryoday_Small_Finance_Bank_vs_Utkarsh_Small_Finance_Bank_Stock_and_Valuation\" title=\"Suryoday Small Finance Bank vs Utkarsh Small Finance Bank: Stock and Valuation\">Suryoday Small Finance Bank vs Utkarsh Small Finance Bank: Stock and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-vs-utkarsh-small-finance-bank-comparison\/#Suryoday_Small_Finance_Bank_vs_Utkarsh_Small_Finance_Bank_Quick_Comparison_Table\" title=\"Suryoday Small Finance Bank vs Utkarsh Small Finance Bank: Quick Comparison Table\">Suryoday Small Finance Bank vs Utkarsh Small Finance Bank: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-vs-utkarsh-small-finance-bank-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-vs-utkarsh-small-finance-bank-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-vs-utkarsh-small-finance-bank-comparison\/#What_is_the_main_difference_between_Suryoday_SFB_and_Utkarsh_SFB\" title=\"What is the main difference between Suryoday SFB and Utkarsh SFB?\">What is the main difference between Suryoday SFB and Utkarsh SFB?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-vs-utkarsh-small-finance-bank-comparison\/#Is_Utkarsh_SFB_profitable\" title=\"Is Utkarsh SFB profitable?\">Is Utkarsh SFB profitable?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-vs-utkarsh-small-finance-bank-comparison\/#How_fast_is_Suryoday_SFB_growing\" title=\"How fast is Suryoday SFB growing?\">How fast is Suryoday SFB growing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-vs-utkarsh-small-finance-bank-comparison\/#What_is_the_CGFMU_claim_received_by_Suryoday\" title=\"What is the CGFMU claim received by Suryoday?\">What is the CGFMU claim received by Suryoday?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-vs-utkarsh-small-finance-bank-comparison\/#Which_stock_trades_below_book_value\" title=\"Which stock trades below book value?\">Which stock trades below book value?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-vs-utkarsh-small-finance-bank-comparison\/#What_risks_apply_to_small_finance_banks\" title=\"What risks apply to small finance banks?\">What risks apply to small finance banks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/suryoday-small-finance-bank-vs-utkarsh-small-finance-bank-comparison\/#Should_I_invest_in_Suryoday_SFB_or_Utkarsh_SFB\" title=\"Should I invest in Suryoday SFB or Utkarsh SFB?\">Should I invest in Suryoday SFB or Utkarsh SFB?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Suryoday_Small_Finance_Bank_vs_Utkarsh_Small_Finance_Bank_Reach_and_Market_Position\"><\/span><strong>Suryoday Small Finance Bank vs Utkarsh Small Finance Bank: Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the Suryoday Small Finance Bank side of the Suryoday Small Finance Bank vs Utkarsh Small Finance Bank comparison, In the Suryoday Small Finance Bank vs Utkarsh Small Finance Bank comparison, Suryoday serves customers across 16 states and union territories, with a diversified loan portfolio that includes microfinance, MSME, secured vehicle and home loans. Q1 FY27 gross advances grew 32.5 percent year on year to Rs 14,374 Cr. Market capitalisation is Rs 1,742 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=suryoday-vs-utkarshbnk\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>On the Utkarsh Small Finance Bank side of the Suryoday Small Finance Bank vs Utkarsh Small Finance Bank comparison, Utkarsh Small Finance Bank operates across Uttar Pradesh, Bihar and other eastern Indian states, with a microfinance-heavy loan book. The bank recently received a Rs 387 Cr CGFMU claim payout as of July 2026 and is in the process of capital strengthening. Market capitalisation is Rs 2,598 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Suryoday_Small_Finance_Bank_vs_Utkarsh_Small_Finance_Bank_Key_Products_and_Business_Mix\"><\/span><strong>Suryoday Small Finance Bank vs Utkarsh Small Finance Bank: Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the Suryoday Small Finance Bank vs Utkarsh Small Finance Bank product comparison, Suryoday Small Finance Bank offers: Suryoday Small Finance Bank&#8217;s products span microfinance, MSME loans, home loans, affordable housing and vehicle finance. The bank approved a Rs 300 Cr Tier 1 and Rs 200 Cr Tier 2 capital raise in its July 2026 board meeting. P\/E is 9.08x and ROE 9.23 percent.<\/p>\n<p>For Utkarsh Small Finance Bank in this Suryoday Small Finance Bank vs Utkarsh Small Finance Bank breakdown: Utkarsh Small Finance Bank&#8217;s products are primarily microfinance loans with an expanding secured retail and MSME portfolio. The bank posted a loss in the most recent reported period with ROE of -41.47 percent, and its P\/E is not meaningful. EPS TTM is -5.31.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Suryoday_Small_Finance_Bank_vs_Utkarsh_Small_Finance_Bank_Latest_Results\"><\/span><strong>Suryoday Small Finance Bank vs Utkarsh Small Finance Bank: Latest Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Suryoday Small Finance Bank vs Utkarsh Small Finance Bank results for Suryoday Small Finance Bank: Suryoday Small Finance Bank has a market cap of Rs 1,742 Cr and P\/E of 9.08x. ROE is 9.23 percent. Q1 FY27 showed gross advance growth of 32.5 percent year on year, combined with a CGFMU insurance claim recovery of Rs 387 Cr.<\/p>\n<p>The Suryoday Small Finance Bank vs Utkarsh Small Finance Bank results for Utkarsh Small Finance Bank: Utkarsh Small Finance Bank has a market cap of Rs 2,598 Cr and is currently loss-making. ROE is -41.47 percent and there is no meaningful P\/E. Book value per share stands at Rs 15.60 and P\/B is 0.94.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare Suryoday Small Finance Bank and Utkarsh Small Finance Bank Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Suryoday_Small_Finance_Bank_vs_Utkarsh_Small_Finance_Bank_Stock_and_Valuation\"><\/span><strong>Suryoday Small Finance Bank vs Utkarsh Small Finance Bank: Stock and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Suryoday Small Finance Bank vs Utkarsh Small Finance Bank stock comparison uses the latest available market data from Groww. Investors tracking Suryoday Small Finance Bank vs Utkarsh Small Finance Bank should verify current prices on NSE or BSE before trading.<\/p>\n<p>Suryoday Small Finance Bank trades at a market cap of Rs 1,742 Cr and P\/E of 9.08x, with positive ROE of 9.23 percent. Utkarsh Small Finance Bank trades at a larger market cap of Rs 2,598 Cr but is currently loss-making. Investors should note that Utkarsh&#8217;s valuation reflects expectations of a return to profitability rather than current earnings.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Suryoday_Small_Finance_Bank_vs_Utkarsh_Small_Finance_Bank_Quick_Comparison_Table\"><\/span><strong>Suryoday Small Finance Bank vs Utkarsh Small Finance Bank: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Suryoday Small Finance Bank vs Utkarsh Small Finance Bank comparison table below summarises the key metrics covered in this article side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/suryoday\/suryoday-small-finance-bank-ltd-share-price-today\">Suryoday Small Finance Bank<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/utkarshbnk\/utkarsh-small-finance-bank-ltd-share-price-today\">Utkarsh Small Finance Bank<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Small finance bank<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Small finance bank<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 1,742 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 2,598 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">9.08x<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">N\/A (loss-making)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">9.23%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">-41.47%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Book Value Per Share<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 195.53<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 15.60<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Profitability<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Currently profitable<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Currently loss-making<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Q1 FY27 Advance Growth<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">32.5% YoY<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Suryoday Small Finance Bank vs Utkarsh Small Finance Bank comparison above covers the key data points on reach, products, results and valuation. Suryoday Small Finance Bank vs Utkarsh Small Finance Bank represent two very different risk profiles within the small finance bank sector. Suryoday is profitable and growing, while Utkarsh is navigating a return to profitability after microfinance stress. Investors should carefully review each bank&#8217;s asset quality and capital adequacy and consult a SEBI-registered advisor before investing.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest\/id1543832872\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.android\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Suryoday Small Finance Bank and Utkarsh Small Finance Bank live price and get daily stock recommendations.<\/em><\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information, including company results filings and exchange data, and are current as of the time of writing. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_main_difference_between_Suryoday_SFB_and_Utkarsh_SFB\"><\/span><strong>What is the main difference between Suryoday SFB and Utkarsh SFB?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Suryoday Small Finance Bank is currently profitable with 32.5 percent advance growth in Q1 FY27. Utkarsh Small Finance Bank is currently loss-making, navigating recovery from microfinance asset stress.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Utkarsh_SFB_profitable\"><\/span><strong>Is Utkarsh SFB profitable?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> No. Utkarsh Small Finance Bank posted a negative ROE of -41.47 percent in the most recent reported period.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_fast_is_Suryoday_SFB_growing\"><\/span><strong>How fast is Suryoday SFB growing?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Suryoday Small Finance Bank&#8217;s gross advances grew 32.5 percent year on year to Rs 14,374 Cr in Q1 FY27.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_CGFMU_claim_received_by_Suryoday\"><\/span><strong>What is the CGFMU claim received by Suryoday?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Suryoday received a Rs 387 Cr claim payout under the Credit Guarantee Fund for Micro Units scheme as of July 2026, providing downside protection against stressed legacy assets.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_stock_trades_below_book_value\"><\/span><strong>Which stock trades below book value?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Utkarsh Small Finance Bank trades at 0.94 times book value. Suryoday Small Finance Bank trades above book.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_risks_apply_to_small_finance_banks\"><\/span><strong>What risks apply to small finance banks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Both companies face risk from microfinance borrower stress, rising credit costs, competition from larger banks, and regulatory requirements on capital adequacy from RBI.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_I_invest_in_Suryoday_SFB_or_Utkarsh_SFB\"><\/span><strong>Should I invest in Suryoday SFB or Utkarsh SFB?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> This depends on your preference between a profitable, growing SFB and a turnaround story. Review the latest quarterly results and consult a SEBI-registered advisor before investing.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Suryoday Small Finance Bank vs Utkarsh Small Finance Bank compared on advances growth, asset quality, net interest margin and valuation for SFB 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