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Utkarsh Small Finance Bank Announces 7.5% YoY Growth in Gross Loan Portfolio for FY25

Utkarsh Small Finance Bank has reported a 7.5% year-over-year (YoY) growth in its gross loan portfolio, reaching ₹19,666 crore as of March 31, 2025. The bank's deposits grew by 23.4% YoY to ₹21,566 crore, led by retail term deposits growth of 33.5% YoY. The bank's operating profit (pre-provisions) stood at ₹1,007 crore in FY25, representing a 1% increase from ₹997 crore in FY24. However, the profit after tax decreased to ₹24 crore in FY25 from ₹498 crore in FY24. The bank has seen good traction in its non-JLG loan portfolio, which grew by 45%, and the share of secured loans in the portfolio has increased to 43% as on Mar-25.

• Gross loan portfolio grew by 7.5% YoY to ₹19,666 crore
• Deposits grew by 23.4% YoY to ₹21,566 crore
• Operating profit (pre-provisions) of ₹1,007 crore in FY25
• Profit after tax of ₹24 crore in FY25
• Share of secured loans in the portfolio increased to 43%