Utkarsh SFB (Utkarsh) kick-started its lending journey in the states of UP and Bihar, and since inception (in FY10), it has remained committed in establishing a strong niche in these states. Considering the under penetration in its coremarkets (Bihar’s top 5 districts covered 46% of overall credit, of which Patna alone contributes 29% share), with Utkarsh having a strong market share of 56% within SFBs (overall market share at 2%), the SFB is best placed to complement the Bihar growth story.