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Utkarsh Small Finance Bank
Utkarsh Small Finance Bank (UTKARSHBNK) investor relations material
Utkarsh Small Finance Bank Q1 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 26/27 earnings summary3 Aug, 2026
Executive summary
Q1 FY27 marked a turning point with improved business momentum, asset quality, and operational performance, and total assets at ₹28,418 crore, up 2% year-over-year.
The bank operates 1,110 outlets across 27 states/UTs with a headcount of 18,136, focusing on de-risking via increased secured loans and retail deposits.
Unaudited financial results for the quarter ended June 30, 2026, were approved by the Board and reviewed by joint statutory auditors, with an unmodified conclusion issued.
Financial highlights
Total disbursement grew 49% year-on-year; JLG disbursement up 5%, non-JLG up 93% year-on-year.
Net loss reduced to ₹3,391.97 lakh in Q1 FY27, down from ₹23,948.05 lakh in Q1 FY26; operating profit before provisions was ₹6,356.74 lakh.
Gross NPA ratio improved to 5.9% as of June 2026, down from 11.4% a year ago; Net NPA at 2.8%.
CASA plus retail term deposit ratio improved to 83%, CASA ratio at 22%.
Total income for Q1 FY27 was ₹1,00,237.22 lakh, up from the previous quarter.
Outlook and guidance
Targeting loan book growth of 25%-30% year-on-year, with secured lending to comprise 55%-65% of the portfolio by FY 2028.
Aiming to maintain NIM around 8% and deliver ROE of 15% by FY 2028.
Credit cost guidance for the year is 3%-3.5%.
No equity capital raise planned until at least end of FY 2027; INR 500 crore Tier 2 NCD issuance planned.
Amalgamation with Utkarsh CoreInvest Limited progressing, with regulatory and shareholder approvals in process.
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Latest events from Utkarsh Small Finance Bank
- Strategic pivot to secured lending and digital upgrades, but FY26 closed with a net loss.UTKARSHBNK
Q4 25/26 - Quarterly net loss increased, gross NPA at 11.05%, and capital adequacy at 20.11%.UTKARSHBNKQ3 25/26
- Loan and deposit growth strong, but higher provisions led to a net loss.UTKARSHBNKQ3 24/25
- Net profit fell sharply despite strong income and deposit growth, amid major policy changes.UTKARSHBNKQ4 24/25
- Net loss of ₹239 crore in Q1 FY26 amid asset quality stress and strong non-JLG growth.UTKARSHBNKQ1 25/26
- Net loss, rising NPAs, and a strategic shift to secured lending amid regulatory headwinds.UTKARSHBNKQ2 25/26
Next Utkarsh Small Finance Bank earnings date
Q2 26/276 Nov, 2026
Utkarsh Small Finance Bank
Next Utkarsh Small Finance Bank earnings date
Q2 26/276 Nov, 2026
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