Quarterly Result2 Aug 2025, 10:21 pm
Utkarsh Small Finance Bank's Q1, FY26 Results: Gross Loan Portfolio Grew by 2.3% YoY to ₹19,224 Crore, Deposits Grew by 18.3% YoY to ₹21,489 Crore
AI Summary
Utkarsh Small Finance Bank Ltd. announced its results for the quarter ended June 30, 2025. The bank's gross loan portfolio grew by 2.3% YoY to ₹19,224 crore, while deposits grew by 18.3% YoY to ₹21,489 crore. The growth in deposits was primarily driven by retail term deposits, which grew by 33.7% YoY. The bank's CD ratio improved to 83.4% as on June 30, 2025 vs. 92.7% as on June 30, 2024. The bank's pre-provision operating profit (PPoP) was at ₹92 crore in Q1, FY26 vs ₹311 crore in Q1, FY25. However, the bank reported a net loss of ₹239 crore vs. PAT of ₹2,137 crore in Q1, FY25.
Key Highlights
- Gross loan portfolio grew by 2.3% YoY to ₹19,224 crore
- Deposits grew by 18.3% YoY to ₹21,489 crore, led by retail term deposits growth of 33.7% YoY
- CD ratio improved to 83.4% as on June 30, 2025 vs. 92.7% as on June 30, 2024
- Bank reported net loss of ₹239 crore vs. PAT of ₹2,137 crore in Q1, FY25
- Share of secured loans in overall portfolio increased to 45% as on June 30, 2025 from 35% as on June 30, 2024