| Revenue growth | Gross Loan Portfolio down 1.7% YoY. |
|---|---|
| Margins | Cost of Funds at 7.9%; Yield on advances at 15.1%. |
| Demand visibility | Slowdown in JLG segment; growth expected in MBBL and retail. |
| Management confidence | Focusing on collections and asset quality stabilization. |
Growth
Gross Loan Portfolio fell 1.7% YoY to ₹19,332cr. Deposits grew 0.4% YoY to ₹21,654cr. Non-JLG portfolio grew 29.5% YoY.
Outlook
Targets 25-30% portfolio growth and ~15% RoE in 2-3 years. Focus on secured loans (target ~55%) and retail franchise.
Risks
Asset quality stress in Micro-Banking (JLG) due to market disruptions; FY26 net loss of ₹1,151cr reported.
Earnings Call filed with NSE, NSE: UTKARSHBNK. Summary written with AI assistance from the document.
Utkarsh Small Finance Bank Ltd: key numbers
- Share price
- ₹13.80
- Market cap
- ₹2,456 Cr
- Revenue (annual)
- ₹3,379 Cr
- Net profit (annual)
- ₹-1,151 Cr
- P/E (TTM)
- -2.6×Sector 22.0×
- Promoter holding
- 42.67%+0.00% QoQ
- FII holding
- 11.90%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Utkarsh Small Finance Bank Ltd
All →Utkarsh Small Finance Bank Debt & Borrowing
Utkarsh Small Finance Bank has allotted non-convertible debt securities. This action falls under the bank's debt issuance activities.
Utkarsh Small Finance Bank Debt & Borrowing: ₹300 Cr
Utkarsh Small Finance Bank allotted non-convertible debentures worth ₹300 Crore to eligible investors. These unsecured, subordinated, redeemable bonds carry an 11.75% coupon rate.
- Value
- ₹300.0 Cr
- Execution
- 7 years
Utkarsh Small Finance Bank Management Change
Utkarsh Small Finance Bank appointed Mr. Manmohan Shetty as the new Chief Financial Officer and Key Managerial Personnel, effective September 19, 2026.
Utkarsh Small Finance Bank Debt & Borrowing: ₹300 Cr
Utkarsh SFB's CSFRC approved Tier II NCDs up to ₹300 crore in a 7-year private placement. Coupon is up to 11.75% p.a. on BSE WDM listing.
- Value
- ₹300.0 Cr
Utkarsh Small Finance Bank Credit Rating
Utkarsh Small Finance Bank received a 'CARE A-; Stable' credit rating for proposed Tier II bonds and a reaffirmation for its existing Tier II bonds.
Utkarsh Small Finance Bank Investor Presentation: Key Takeaways
Utkarsh SFB Q1 FY27 results show recovery with narrowed net loss of ₹34 crore. Management focused on JLG diversification, asset quality improvement, and reducing credit costs.
- Call
- Guides 30% growth