| Margins | Cost of funds improved to 7.9% from 8.3% YoY. |
|---|---|
| Demand visibility | Positive traction in Micro Banking Business Loans and secured segments. |
| Management confidence | Cautiously optimistic despite current losses and legacy portfolio stress. |
Growth
JLG disbursements grew 58% QoQ, but MSME/Secure lending now forms 51% of gross book, signaling structural shifts.
Outlook
Management targets 25-30% loan growth for FY27 with an ROE aim of 15% by FY28.
Risks
High credit costs from legacy portfolio and elevated GNPA at 7.7% remain significant headwinds for immediate profitability.
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