Utkarsh Small Finance Bank Ltd Q1 FY26 Results
UTKARSHBNKQ1 FY26 ResultsAnnounced 2 Aug 2025, 09:20 pm| Metric | Value (₹ Cr) | vs Q4 FY25 |
|---|---|---|
| Revenue | 880.91 | 0.1% |
| Total Income | 1.0K | 12.7% |
| Expenditure | 927.01 | 0.6% |
| PBT | -318.87 | 2926.9% |
| Net Profit | -239.48 | 8163.3% |
| OPM | 10.40% | 16.20pp |
| NPM | -23.51% | 23.76pp |
| EPS | 2.17 | 7133.3% |
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
02 Aug 2025 · 2 Aug 2025, 10:22 pm
Summary
Utkarsh Small Finance Bank announced its Q1, FY26 results with a gross loan portfolio growth of 2.3% YoY to ₹19,224 Crore and deposit growth of 18.3% YoY to ₹21,489 Crore. The bank's gross NPAs were 11.42% as on June 30, 2025, and net NPAs were 5.00% as on June 30, 2025. Utkarsh Small Finance Bank reported a net loss of ₹239 Crore in Q1, FY26.
Key Highlights
- 1
Gross Loan portfolio grew by 2.3% YoY to ₹19,224 crore
- 2
Deposits grew by 18.3% YoY to ₹21,489 crore, led by Retail Term Deposits (RTD) growth of 33.7% YoY
- 3
Presence across 27 States & UTs, through a network of 1,099 branches
- 4
Operating profit (pre-provisions) of ₹92 crore in Q1, FY26
- 5
Bank's retail term deposits grew by 33.7% YoY to ₹11,675 crore & CASA deposits grew by 22.5% YoY to ₹24,229 crore as on June 30, 2025
- 6
CASA deposits ratio increased to 19.7% as on June 30, 2025 from 19.0% as on June 30, 2024
- 7
Bank's CD ratio improved to 83.4% as on June 30, 2025 vs. 92.7% as on June 30, 2024
- 8
Bank's pre-provision operating profit (PPoP) was at ₹92 crore in Q1, FY26 vs ₹311 crore in Q1, FY25
- 9
During Q1, FY26, the Bank reported net loss of ₹239 crore vs. PAT of ₹2,137 crore in Q1, FY25
Management Comments
Mr. Govind Singh
MD & CEO, Utkarsh Small Finance Bank
During Q1, FY26, the Bank continued its strategic pivot towards secured lending, amid difficult operating environment. Our non-JLG loan portfolio sustained strong momentum, growing 39% YoY. Consequently, the share of secured loans within the overall book rose to 45% as of June 30, 2025 — up from 35% as of June 30, 2024 — underscoring our focused efforts toward portfolio de-risking and improving asset quality.
Informational and educational content only. Not investment advice.