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ICICI Securities research report on Utkarsh Small Finance Bank
Utkarsh SFB (Utkarsh) has kick-started its lending journey in the states of UP and Bihar, and since inception (in FY10), it has developed strong demographic knowledge and built deep distribution network in these two states. We see Utkarsh’s deep presence in under-penetrated states (of total 75 districts only 7 districts have >20% credit penetration in UP), enhanced product offering, proven track record of managing asset quality better than peers…
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