Utkarsh Small Finance Bank Ltd

Utkarsh Small Finance Bank Ltd has been assigned an Environmental, Social, and Governance (ESG) score of 71.80 by SES ESG Research Private Limited. This score is based on publicly available information and was voluntarily assigned by the research firm. The bank received this information on August 16, 2026. The disclosure is in compliance with SEBI Listing Regulations and a relevant SEBI circular. The bank will also make this information available on its official website, www.utkarsh.bank.in, for public access and records.

Utkarsh Small Finance Bank announced its unaudited financial results for the quarter ended June 30, 2026. The bank reported a net loss of ₹34 crore, an 86% reduction from the ₹239 crore loss in the same quarter last year. Disbursements grew by 48.5% YoY, with non-JLG disbursements surging by 92.9%. The Gross Loan Portfolio increased by 2.0% YoY to ₹19,610 crore, with secured lending now forming 51% of the portfolio. Deposits grew 2.6% YoY to ₹22,054 crore, and the CASA ratio improved to 22%. Cost of Funds decreased by 40 bps YoY to 7.7%, leading to a Net Interest Margin (NIM) expansion of 20 bps YoY to 6.1%. Gross Non-Performing Assets (GNPA) improved significantly by 550 bps YoY to 5.9%, and credit cost reduced by 620 bps YoY to 2.3%. The bank operates across 27 states and UTs with 1,110 branches.

Utkarsh Small Finance Bank Ltd announced that its Board of Directors, in a meeting held on August 01, 2026, has approved the unaudited financial results for the quarter ended June 30, 2026. The results were accompanied by a limited review report from the joint statutory auditors. The bank confirmed it has no outstanding secured listed non-convertible debt securities as of June 30, 2026, making disclosures under Regulation 54 of SEBI Listing Regulations not applicable. The board meeting commenced at 2:00 PM IST and concluded with the approval of financial results at 6:30 PM IST.

Utkarsh Small Finance Bank Ltd announced its unaudited financial results for the quarter ended June 30, 2026. The Board of Directors approved the results along with a limited review report from the joint statutory auditors. The bank confirmed no outstanding secured listed non-convertible debt securities as of June 30, 2026, making disclosures under Regulation 54 of SEBI Listing Regulations not applicable. The results were approved after a board meeting that commenced at 2:00 p.m. IST and concluded at 6:30 p.m. IST. The disclosure is also available on the bank's website.

Utkarsh Small Finance Bank Ltd has announced that its Board of Directors will convene on August 1, 2026, to consider and approve the Unaudited Financial Results for the quarter ended June 30, 2026 (Q1 FY27). Following the results declaration, the trading window will reopen on August 4, 2026. The bank will also host an earnings conference call on August 3, 2026, at 4:00 PM IST, to discuss the Q1 FY27 financial performance. Key management personnel will be present on the call.

Utkarsh Small Finance Bank Limited has issued a Call Option Notice to redeem its 1,950 Rated, Listed, Unsecured, Sub-ordinated, Redeemable, Lower Tier II Bonds in the form of Non-Convertible Debentures (NCDs) aggregating ₹195,00,00,000. The redemption will occur on August 13, 2026, at par, along with accrued interest. This early redemption is exercised as per the terms of the Supplementary Debenture Trust Deed and follows the necessary approval from the Reserve Bank of India. The record date for eligibility is July 29, 2026.

Utkarsh Small Finance Bank Ltd has fixed July 29, 2026, as the record date for its call option on Non-Convertible Debentures (ISIN INE735W08038). The bank's Capital Structuring and Fund Raise Committee approved the exercise of this call option on August 13, 2026, to redeem 1,950 Rated, Listed, Unsecured, Redeemable, Lower Tier II Bonds (in the nature of Non-Convertible Debentures) aggregating up to ₹195 crores at par. A supplementary debenture trust deed will be executed with IDBI Trusteeship Services Limited. Notice regarding the call option will be issued to debenture holders and the trustee in due course.

Utkarsh Small Finance Bank Ltd's Capital Structuring and Fund Raise Committee approved the exercise of a call option for the redemption of 1,950 Rated, Listed, Unsecured, Redeemable, Lower Tier II Bonds aggregating up to ₹195 crores. The redemption will occur at par on August 13, 2026. A notice regarding this call option will be issued to debenture holders and the debenture trustee. The bank has fixed July 29, 2026, as the record date for this call option. The committee also approved the execution of a supplementary debenture trust deed.

Utkarsh Small Finance Bank Ltd has scheduled a Board Committee meeting for July 21, 2026. The primary agenda is to consider and approve the execution of a supplementary debenture trust deed. This deed will amend terms of the existing ₹195 crore Rated, Listed, Unsecured, Redeemable, Lower Tier II Bonds (ISIN INE735W08038), specifically concerning the Call Option Date and early redemption. The proposed amendments align with approvals from the Reserve Bank of India and are subject to necessary legal clearances. The outcome will be communicated subsequently, and details will be available on the bank's website.

Utkarsh Small Finance Bank Limited has submitted its Business Responsibility and Sustainability Report (BRSR) for the Financial Year 2025-26, along with its Annual Report and Notice of the 10th Annual General Meeting (AGM). The report, compliant with SEBI regulations, provides a comprehensive overview of the bank's financial and non-financial performance, ESG commitments, and strategic outlook. Key performance indicators for FY25-26 include total revenue of ₹3,809.75 Crore, a total loan portfolio of ₹19,332.44 Crore, and a total deposit portfolio of ₹21,653.98 Crore. The bank also reported an equity raise of ₹950 Crore and a CASA ratio of 24%. The BRSR highlights the bank's operational scale, growth, resilience, and its commitment to sustainable stakeholder value creation.