ALFA Finder| Margins | Cost of deposits at 7.6%; yield on advances at 15.7%. |
|---|---|
| Order book | Gross Loan Portfolio at ₹19,610 Cr; Disbursements at ₹3,370 Cr. |
| Demand visibility | Slowdown in JLG due to market disruptions and over-leveraging concerns. |
Growth
Net Interest Income grew 5% YoY to ₹422 Cr; however, PAT declined 86% YoY to a loss of ₹34 Cr.
Outlook
Targeting 25-30% portfolio growth and ~55% secured loan share by FY28. Expecting ~15% ROE and ~8% NIM.
Risks
Market disruptions in MFI/JLG segment; asset quality stress with GNPA at 5.9% and high credit costs.
Last quarter's promises, checked
Delivered
- Guided 51% secured loan mix → delivered 51% (= BEAT)
- Guided cost of funds reduction vs 8.3% → delivered 7.6% (= BEAT)
Partly delivered
- Guided 25-30% loan growth → delivered GLP ₹19,610 Cr (Partial due to MFI slowdown) (= PARTIAL)
Missed
- Guided GNPA improvement from 7.7% → delivered 5.9% (Note: Current call reports 5.9% as stress/miss vs guidance of recovery) (= MISS)
- Guided net profit recovery → delivered ₹34 Cr loss (= MISS)
Investor Presentation filed with NSE, NSE: UTKARSHBNK. Summary written with AI assistance from the document.
Utkarsh Small Finance Bank Ltd: key numbers
- Share price
- ₹12.20
- Market cap
- ₹2,171 Cr
- Revenue (annual)
- ₹3,379 Cr
- Net profit (annual)
- ₹-1,151 Cr
- P/E (TTM)
- -3.3×Sector 20.8×
- Promoter holding
- 42.67%+0.00% QoQ
- FII holding
- 10.44%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 Earnings Call Transcript: Key Takeaways
Q2 FY27 net loss ₹70 Cr; PPOP ₹85 Cr, up 34% QoQ. Q1 one-off credits (CGFMU, ARC) distort the provisioning comparison; slippages rose sequentially to ₹239 Cr.
Utkarsh Small Finance Bank Results Update
Utkarsh Small Finance Bank issued a press release on unaudited Q2 FY27 results. Net loss narrowed to ₹70 crore from ₹348 crore a year earlier.
Utkarsh Small Finance Bank Q2 FY27 Results: Net Loss of ₹69.9 Cr, Loss Narrows
Utkarsh Small Finance Bank Ltd reported revenue from operations of ₹909.3 Cr (+8.2% YoY) and a net loss of ₹69.9 Cr for Q2 FY27.
- Key figure
- Net loss ₹69.9 Cr
Utkarsh Small Finance Bank Board Meeting Date
Utkarsh Small Finance Bank gave intimation of a board meeting on November 3, 2026 to consider Q2 and H1 unaudited results. The trading window reopens November 6, 2026.
Utkarsh Small Finance Bank Other Announcement
Utkarsh Small Finance Bank submitted its quarterly shareholding pattern for the quarter ended September 30, 2026, as per SEBI regulations.
Utkarsh Small Finance Bank Debt & Borrowing: ₹605 Cr
Utkarsh Small Finance Bank filed its half-yearly statement of outstanding Non-Convertible Debt Securities as required by the SEBI circular dated May 22, 2024.
- Value
- ₹605.0 Cr