ALFA Finder| Management target | Revenue 30.0% FY27 |
|---|
| Margins | Targeting 8% NIM; cost of funds declined 15bps sequentially. |
|---|---|
| Demand visibility | Strong customer demand across JLG and non-JLG segments. |
| Management confidence | High on recovery and new guardrail underwriting standards. |
Growth
Total disbursements grew 49% YoY; non-JLG disbursements rose 93%. Gross NPA improved to 5.9% from 11.4% YoY.
Outlook
Guidance of 25-30% loan book growth for FY27. Targeting 8% NIM and 15% ROE by FY28.
Risks
Challenging microfinance operating environment and legacy JLG stress; however, 80% of current portfolio is now CGFMU covered.
Last quarter's promises, checked
Delivered
- Guided 51% secured lending mix → delivered 51% (= BEAT)
- Guided 25-30% loan growth → delivered 49% YoY (= BEAT)
- Guided reduction in cost of funds → delivered 15bps sequential decline (= BEAT)
Partly delivered
- Guided reverse merger completion in few months → delivered pending regulatory process (= PARTIAL)
Missed
- Guided net loss of ₹188cr → delivered ₹34cr loss (= BEAT/RECOVERY)
- Guided GNPA 7.7% → delivered 5.9% (= BEAT)
Investor Presentation filed with BSE, 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