Risk Breakdown
Financial Exposure
Governance
Double Materiality
Supply Chain
Material Risks
ESG Targets & Commitments
| Topic | Target / Metric | Status |
|---|---|---|
| Human Rights in Supply Chain | HR clauses in all contracts | Commitment |
AI Risk Summary
# Financial Risk Summary: Utkarsh Small Finance Bank Limited Utkarsh faces critical **compliance risk (10.0/10)** as its primary financial exposure, with potential SEBI enforcement action and delisting consequences under BRSR Core Expansion mandates, though estimated current compliance costs are minimal at ₹0 crore. The bank's **EPR exposure status remains undefined (6.5/10)**, creating regulatory uncertainty around Extended Producer Responsibility obligations that could trigger unquantified future liabilities once clarified. With waste intensity identified as a top risk factor and the bank's revenue base of ₹1.4 crore, inadequate ESG disclosure or non-compliance with SEBI BRSR P6 environmental reporting requirements poses reputational and operational risks despite negligible current carbon emissions, requiring immediate clarification of EPR applicability and disclosure framework strengthening to mitigate enforcement action.
Source: UTKARSH SMALL FINANCE BANK LIMITED BRSR Filing, FY -. Derived from the company's own public disclosures. Not investment advice or a regulatory determination.