ALFA Finder| Management target | Revenue 27.5% FY27 |
|---|
| Revenue growth | 49% disbursement growth YoY; net loss narrowed by 80% sequentially. |
|---|---|
| Margins | NIM targeted at 8% despite rising funding costs; re-pricing underway. |
| Demand visibility | Strong demand in microbanking and MSME sectors within core geographies. |
| Management confidence | Cautiously optimistic, focusing on balance sheet cleanup and secured diversification. |
Growth
Total disbursements grew 49% YoY, driven by non-JLG segments (93% growth) and microbanking business loans.
Outlook
Targeting 25-30% loan book growth with a 15% ROE goal by FY28.
Risks
High concentration in unsecured microbanking (JLG) remains a structural risk despite CGFMU guarantee protection.
Last quarter's promises, checked
Delivered
- Guided ~330 bps GNPA improvement → delivered ~330 bps (= BEAT)
- Guided 51% secured loan share → delivered 51% (= BEAT)
- Guided 99.7% JLG collection efficiency → delivered 99.7% (= BEAT)
Partly delivered
- Guided 25-30% loan book growth → delivered 49% disbursement growth but overall book remains in recovery (= PARTIAL)
Missed
- Guided PPoP of ~INR140Cr → delivered Q1 FY27 net loss (= MISS)
Earnings Call Transcript 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