Utkarsh Small Finance Bank Limited (UTKARSHBNK) — Financial Results | 9 May 2026 (3 announcements)

Utkarsh Small Finance Bank reported a 5.6% QoQ rise in gross loan portfolio to ₹19,332 crore and 2.7% QoQ deposit growth to ₹21,654 crore for Q4 FY26, with CASA ratio improving to 24% and secured loan share reaching 51%. The bank posted a net loss of ₹188 crore in Q4 FY26, down 50% from the prior quarter, while gross NPAs declined to 7.7% and net NPAs to 3.3%. Capital adequacy improved to 17.71% CRAR post ₹950 crore rights issue.

Utkarsh Small Finance Bank reported a net loss of [amount not verified] for Q4 FY2025-26, with an unmodified audit opinion confirming financials, while capital adequacy stood at 17.71% and gross NPA at 7.71%. Total income reached [amount not verified], operating profit ₹1,230.90 crores, and total expenditure ₹93,976.12 crores. The board reappointed directors Parveen Kumar Gupta and Anjani Kumar Srivastava, and appointed Dhara Vyas as CHRO. No new stressed loan acquisitions occurred, and the bank proposed amalgamation with Utkarsh Corelnvest. Management changes include new independent and additional directors with extensive banking experience.

Utkarsh Small Finance Bank reported a 30.1% YoY jump in Q4 FY26 disbursements to ₹4,207 crores, driving a 1.7% YoY rise in gross loan portfolio to ₹19,332 crores, while total deposits edged up 0.4% to ₹21,654 crores. However, PAT plummeted 61% YoY to ₹2,776 crores amid a ₹1,151 crore loss, reflecting rising cost-to-income (59.3%) and deteriorating asset quality with net NPA climbing to ₹83 crores. CRAR stood at 17.71%, and CASA ratio improved to 24%. The bank expanded geographically across 13-27 states, with top exposure in Uttar Pradesh (21%), Maharashtra (20%), and Delhi (14%), serving over 15,000 MSME customers. Leadership highlighted technology automation, ESG commitments, and digital innovation as growth enablers amid challenging profitability.