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Utkarsh Small Finance Bank Limited Q1FY27 Results:-
#Q1Results #Q1FY27 #Stockmarket #Nifty #UtkarshSFB
PPOP 63.57 Cr vs 91.64 Cr
(-30.64% YoY┃+416.43% QoQ)
PBT -45.41 Cr vs -318.87 Cr YoY & -232.08 Cr QoQ
PAT -33.92 Cr vs -239.48 Cr YoY & -188.02 Cr QoQ
Provisions 108.98 Cr vs 410.51 Cr
(-73.45% YoY┃-55.41% QoQ)
GNPA 6.09% vs 11.42% YoY & 7.71% QoQ
NNPA 2.86% vs 5.00% YoY & 3.29% QoQ
Utkarsh Small Finance Bank – Q1 FY27
#Q1Results #Q1FY27 #Nifty #UtkarshSFB
🔹Business Performance
- Gross Loan Portfolio: ₹19,612 Cr (+2.0% YoY, +1.4% QoQ)
- JLG Loan Portfolio: ₹5,480 Cr (-36.1% YoY, -5.3% QoQ)
- Non-JLG Loan Portfolio: ₹14,132 Cr (+32.7% YoY, +4.3% QoQ)
- JLG : Non-JLG Mix: 28:72 (vs 45:55 YoY, 30:70 QoQ)
- Total Disbursements: ₹3,370 Cr (+48.5% YoY, -19.9% QoQ)
- JLG Disbursements: ₹1,190 Cr (+4.5% YoY, -16.5% QoQ)
- Non-JLG Disbursements: ₹2,180 Cr (+92.9% YoY, -21.6% QoQ)
- Total Deposits: ₹22,053 Cr (+2.6% YoY, +1.8% QoQ)
- CASA Deposits: ₹4,867 Cr (+15.1% YoY, -6.3% QoQ)
- CASA Ratio: 22.1% (vs 19.7% YoY, 24.0% QoQ)
- Retail Term Deposits: ₹13,393 Cr (+14.7% YoY, +5.3% QoQ)
- Bulk Term Deposits: ₹3,794 Cr (-32.1% YoY, +1.5% QoQ)
🔹Financial Performance
- Net Interest Income (NII): ₹422 Cr (+5% YoY, +12% QoQ)
- Operating Income: ₹541 Cr (Flat YoY, +10% QoQ)
- Operating Profit: ₹64 Cr (-31% YoY, +416% QoQ)
- Provisions: ₹109 Cr (-73% YoY, -55% QoQ)
- PBT: Loss of ₹45.41 Cr (vs loss of ₹318.87 Cr YoY, loss of ₹232.08 Cr QoQ)
- PAT: Loss of ₹33.92 Cr (vs loss of ₹239.48 Cr YoY, loss of ₹188.02 Cr QoQ)
🔹Asset Quality & Ratios
- NIM: 6.1% (vs 5.9% YoY, 5.5% QoQ)
- Credit Cost: 2.3% (vs 8.5% YoY, 5.3% QoQ)
- SMA Pool: 1.20% (vs 5.10% YoY, 1.33% QoQ)
- GNPA: 6.09% (vs 11.42% YoY, 7.71% QoQ)
- NNPA: 2.86% (vs 5.00% YoY, 3.29% QoQ)
🔹Management Commentary
- Management described Q1 FY27 as a major turnaround quarter with meaningful improvement in business momentum, portfolio diversification, asset quality, funding costs, and overall operating performance.
- Total disbursements grew nearly 49% YoY, driven by disciplined underwriting and stronger portfolio monitoring.
- Asset quality improved significantly, with JLG X-bucket collection efficiency reaching 99.7%, SMA pools reducing sharply, fresh slippages declining to around ₹125 Cr from ₹400 Cr in Q1 FY26, and GNPA improving materially.
- The bank continued its strategic shift toward secured, higher-yield and lower-risk lending, with secured loans now accounting for 51% of the loan book and the MBBL portfolio growing 147% YoY.
- Portfolio diversification strengthened through healthy growth in MSME, Housing, BBG, Gold Loans and other secured lending segments.
- On the liabilities side, CASA and retail term deposits grew 15% YoY each, while cost of funds declined around 40 bps YoY to 7.7%, supporting margin stability.
- CGFMU coverage now protects around 60% of the microfinance portfolio, expected to increase to nearly 80% after including Q1 FY27 disbursements, reducing P&L impact by around ₹75 Cr and helping lower credit cost to 2.3%.
- Backed by the Utkarsh 2.0 technology transformation, enhanced automation, digital underwriting, and a capital adequacy ratio of 17.4%, management remains confident of delivering sustainable growth, improving profitability and creating long-term shareholder value.
🔹Overall
- The bank reported a sharp improvement in profitability and asset quality despite remaining loss-making, with significantly lower provisions and credit costs.
- Continued portfolio diversification, stronger secured lending, improving collections, and a healthier liability franchise indicate that the turnaround strategy is gaining traction.
Utkarsh Small Finance Bank Q1FY27 Results:-
#Q1Results #Q1FY27 #Nifty #UtkarshSFB
➤ Gross Loan Portfolio ₹19,612 Cr (+2.0% YoY & +1.4% QoQ)
✓ JLG Loan Portfolio ₹5,480 Cr (-36.1% YoY & -5.3% QoQ)
✓ Non-JLG Loan Portfolio ₹14,132 Cr (+32.7% YoY & +4.3% QoQ)
➤ JLG : Non-JLG 28:72 vs 45:55 YoY & 30:70 QoQ
➤ Total Disbursements ₹3,370 Cr (+48.5% YoY & -19.9% QoQ)
✓ JLG Disbursements ₹1,190 Cr (+4.5% YoY & -16.5% QoQ)
✓ Non-JLG Disbursements ₹2,180 Cr (+92.9% YoY & -21.6% QoQ)
➤ Total Deposits ₹22,053 Cr (+2.6% YoY & +1.8% QoQ)
✓ CASA Deposits ₹4,867 Cr (+15.1% YoY & -6.3% QoQ)
✓ CASA Ratio 22.1% vs 19.7% YoY & 24.0% QoQ
✓ Retail Term Deposits ₹13,393 Cr (+14.7% YoY & +5.3% QoQ)
✓ Bulk Term Deposits ₹3,794 Cr (-32.1% YoY & +1.5% QoQ)
➤ Net Interest Income (NII) ₹422 Cr (+5% YoY & +12% QoQ)
➤ Operating Income ₹541 Cr (flat YoY & +10% QoQ)
➤ Operating Profit ₹64 Cr (-31% YoY & +416% QoQ)
➤ Provisions ₹109 Cr (-73% YoY & -55% QoQ)
➤ PBT -45.41 Cr vs -318.87 Cr YoY & -232.08 Cr QoQ
➤ PAT -33.92 Cr vs -239.48 Cr YoY & -188.02 Cr QoQ
➤ NIM 6.1% vs 5.9% YoY & 5.5% QoQ
➤ Credit Cost 2.3% vs 8.5% YoY & 5.3% QoQ
➤ SMA Pool 1.20% vs 5.10% YoY & 1.33% QoQ
➤ GNPA 6.09% vs 11.42% YoY & 7.71% QoQ
➤ NNPA 2.86% vs 5.00% YoY & 3.29% QoQ
➤ Management Commentary
✓ Management said Q1FY27 marked a major turnaround, with significant improvement in business momentum, asset quality, portfolio diversification, funding costs, and overall operating performance
✓ Disbursements increased ~49% YoY, supported by disciplined underwriting and stronger portfolio monitoring
✓ Asset quality improved sharply, with JLG X-bucket collection efficiency at 99.7%, significantly lower SMA pools, fresh slippages reducing to ~₹125 Cr (from ~₹400 Cr in Q1FY26), and GNPA improving to 5.9%
✓ The bank continues its strategic shift toward secured, higher-yield, lower-risk lending, with secured loans now forming 51% of the loan book and the MBBL portfolio growing 147% YoY
✓ Portfolio diversification strengthened through growth in MSME, Housing, BBG, Gold Loans, and other secured businesses
✓ On the liabilities side, CASA and retail term deposits each grew 15% YoY, while cost of funds declined ~40 bps YoY to 7.7%, supporting margin stability
✓ CGFMU coverage now protects around 60% of the microfinance portfolio (expected to rise to ~80% including Q1FY27 disbursements), reducing the P&L impact by ~₹75 Cr and helping lower credit cost to 2.3%
✓ Backed by the Utkarsh 2.0 technology transformation, enhanced automation, digital underwriting, and a 17.4% capital adequacy ratio, management remains confident of delivering sustainable growth, improving profitability, and long-term value creation
Utkarsh Small Finance Bank Limited Q1FY27 Results:-
#Q1Results #Q1FY27 #Stockmarket #Nifty #UtkarshSFB
PPOP 63.57 Cr vs 91.64 Cr
(-30.64% YoY┃+416.43% QoQ)
PBT -45.41 Cr vs -318.87 Cr YoY & -232.08 Cr QoQ
PAT -33.92 Cr vs -239.48 Cr YoY & -188.02 Cr QoQ
Provisions 108.98 Cr vs 410.51 Cr
(-73.45% YoY┃-55.41% QoQ)
GNPA 6.09% vs 11.42% YoY & 7.71% QoQ
NNPA 2.86% vs 5.00% YoY & 3.29% QoQ
#UTKARSHSFB
Q1 RESULTS 👇
Utkarsh Small Finance Bank Ltd – Q1 FY27
#Q1Results #Q1FY27 #Stockmarket #Nifty #UtkarshSFB
🔹Financial Performance
- PPOP: ₹63.57 Cr (-30.64% YoY, +416.43% QoQ)
- PBT: Loss of ₹45.41 Cr (vs loss of ₹318.87 Cr YoY, loss of ₹232.08 Cr QoQ)
- PAT: Loss of ₹33.92 Cr (vs loss of ₹239.48 Cr YoY, loss of ₹188.02 Cr QoQ)
- Provisions: ₹108.98 Cr (-73.45% YoY, -55.41% QoQ)
- GNPA: 6.09% (vs 11.42% YoY, 7.71% QoQ)
- NNPA: 2.86% (vs 5.00% YoY, 3.29% QoQ)
Utkarsh Small Finance Bank Limited Q1FY27 Results:-
#Q1Results #Q1FY27 #Stockmarket #Nifty #UtkarshSFB
PPOP 63.57 Cr vs 91.64 Cr
(-30.64% YoY┃+416.43% QoQ)
PBT -45.41 Cr vs -318.87 Cr YoY & -232.08 Cr QoQ
PAT -33.92 Cr vs -239.48 Cr YoY & -188.02 Cr QoQ
Provisions 108.98 Cr vs 410.51 Cr
(-73.45% YoY┃-55.41% QoQ)
GNPA 6.09% vs 11.42% YoY & 7.71% QoQ
NNPA 2.86% vs 5.00% YoY & 3.29% QoQ
S/R levels Utkarsh Small Finance Bank Limited for the upcoming quarter are marked in the chart posted below👇
Do follow for genuine trend analysis.
DISC : THIS IS MY PERSONAL VIEW AND NOT A BUY/SELL RECOMMENDATION!!
#stockmarketIndia #Nifty #UtkarshSmallFinanceBank #UtkarshSFB
Cyber Crime Portal dwara lien hatane ke liye kai baar official email bheje ja chuke hain, phir bhi Utkarsh Small Finance Bank meri account lien nahi hata rahi aur mail na milne ki baat keh rahi hai. Kripya turant karvayi karein. #UtkarshSFB #CustomerRights
#StockInNews | Utkarsh SFB Q1 Update
Disbursements Jump 48.5% YoY; Deposits, Loan Book See Steady Growth
#UtkarshSFB #Q1Update #Banking
Utkarsh Small Finance Bank Limited Q1FY27 Business Update
#UtkarshSFB #Q1FY27 #Nifty
➤ Gross Loan Portfolio ₹19,612 Cr (+2.0% YoY & +1.4% QoQ)
✓ JLG Loan Portfolio ₹5,480 Cr (-36.1% YoY & -5.3% QoQ)
✓ Non-JLG Loan Portfolio ₹14,132 Cr (+32.7% YoY & +4.3% QoQ)
➤ JLG : Non-JLG 28:72 vs 45:55 YoY & 30:70 QoQ
➤ Total Disbursements ₹3,370 Cr (+48.5% YoY & -19.9% QoQ)
✓ JLG Disbursements ₹1,190 Cr (+4.5% YoY & -16.5% QoQ)
✓ Non-JLG Disbursements ₹2,180 Cr (+92.9% YoY & -21.6% QoQ)
➤ Total Deposits ₹22,053 Cr (+2.6% YoY & +1.8% QoQ)
✓ CASA Deposits ₹4,867 Cr (+15.1% YoY & -6.3% QoQ)
✓ CASA Ratio 22.1% vs 19.7% YoY & 24.0% QoQ
✓ Retail Term Deposits ₹13,393 Cr (+14.7% YoY & +5.3% QoQ)
✓ Bulk Term Deposits ₹3,794 Cr (-32.1% YoY & +1.5% QoQ)
➤ SMA Pool 1.20% vs 5.10% YoY & 1.33% QoQ
➤ X-Bucket Collection Efficiency 99.63% vs 98.65% YoY & 99.69% QoQ
#1QWithCNBCTV18 | #UtkarshSFB Q1 Update:
💸Gross Loans Up 2% YoY & Up 1.4% QoQ At ₹19,612 Cr
💸Total Deposits Up 2.6% YoY & Up 1.8% QoQ At ₹22,053 Cr
💸CASA Deposits Up 15.1% YoY, Down 6.3% QoQ At ₹4,867 Cr
💸CASA Ratio At 22.1% Vs 19.7% YoY & Vs 24% QoQ
1/ A bank's bad-loan ratio climbed for four straight quarters to 11%, then snapped back to 7.7% in a single quarter. 🔍
The collection numbers underneath tell you why — and what cycle stage this actually is.
A thread on reading an MFI turnaround 👇
#UtkarshSFB
Utkarsh Small Finance Bank | NCDs के जरिए फंड जुटाने पर बोर्ड 20 जून को बैठक करेगा
#UtkarshSFB #FunsRaising #StocksToWatch #ETNSMarket
🏦 TOP 10 HIGHEST SAVINGS ACCOUNT INTEREST RATES IN INDIA (May 2026) 🔥
🥇 #ESAFSFB → Up to 8.00%
🥈 #UtkarshSFB → Up to 8.00%
🥉 #SuryodaySFB → Up to 7.60%
4️⃣ #UjjivanSFB → Up to 7.10%
5️⃣ #EquitasSFB → Up to 7.00%
6️⃣ #JanaSFB → Up to 7.00%
7️⃣ #IDFCFIRSTBank → Up to 6.50%
8️⃣ #RBLBank → Up to 6.00%
9️⃣ #BandhanBank → Up to 5.35%
🔟 #IndusIndBank → Up to 4.00%
📌 Many big banks still offer only around 2.5% savings interest 👀
⚠️ Highest rates are mostly applicable on higher balance slabs.
Today's #SaasBahuAurSensex
#Nifty
#IRCTC | #MOIL | #CIPLA | #UtkarshSFB | #ETERNAL | #PERSISTENT | #IDFCFirstBank
#PidiliteIndustries | #ColgatePalmolive
👇
#LIVE | #SaasBahuAurSensex | आवाज़ पर महिला निवेशकों के लिए खास मौका |
"सास-बहू और सेंसेक्स" में @AshVerma111 के साथ जुड़ें और सुलझाएं अपने शेयर और निवेश से जुड़े सवाल। https://t.co/oqKSVajYsg
Utkarsh Small Finance Bank Q3 FY26 :-
#Q3Results #Q3FY26 #Stockmarket #Nifty #utkarshSFB
➤ Gross Loan Portfolio 18,306 Cr (-3.9% YoY & -1.9% QoQ)
✓ JLG (incl. BC JLG) Loan Portfolio (-34.1% YoY & -15.7% QoQ)
✓ Non-JLG Loan Portfolio (+27.5% YoY & +7.7% QoQ)
➤ Share of secured lending grew from 41% as on Dec 31, 2024 to 50% as on Dec 31, 2025
➤ Total Deposits 21,087 Cr (+4.5% YoY & -1.7% QoQ)
✓ CASA Deposits (+16.1% YoY & +2.9% QoQ)
✓ CASA Ratio 21.9% vs 19.7% YoY & 20.9% QoQ
➤ Net Interest Income (-27% YoY & -1% QoQ)
➤ Operating Income (-27% YoY & -4% QoQ)
➤ Operating Profit -44 Cr vs +185 Cr YoY & -3 Cr QoQ
➤ PAT -375 Cr vs -168 Cr YoY & -348 Cr QoQ
➤ GNPA 11.05% vs 6.17% YoY & 12.42% QoQ
➤ NNPA 4.48% vs 2.50% YoY & 5.02% QoQ
➤ Micro-Banking*
✓ Collection efficiency & asset quality weakened on account higher leverage at borrower level and weakened discipline for centre meetings continuing from covid times
✓ Strengthening collection efforts and dedicated teams for collections / supervisors at field level to improve collection efficiency
✓ X-bucket collection efficiency (excl. pre-payments) was 99.1% for Q3’FY26
➤ Management Commentary:-
✓ Q3 FY26 marked a transition and recalibration quarter, focused on asset quality improvement, secured portfolio expansion, deposit granularity, and operational strengthening, even as legacy stress weighed on near-term profitability.
✓ Micro-Banking (JLG) – Risk Reset
- Adopted a cautious stance due to stress in unsecured JLG portfolio.
- Planned contraction of JLG book via:
Tighter underwriting norms
Pre-qualified lending to disciplined existing customers
Moderated disbursements
- Short-term impact on interest income, but aligned with long-term asset quality goals.
- Collection efficiency improved:
JLG X-bucket collection efficiency at 99.5% in Dec-25 (best in last 3 quarters).
-GNPA ratio declined ~140 bps QoQ, indicating early signs of stabilization.
✓ Expanded JLG & MBBL collection workforce to ~1,300.
✓ Split larger micro-banking branches to improve supervision and field discipline.
✓ Rolled out “back-to-basics” training focusing on:
Centre-meeting quality
Onboarding rigor
✓ Structural actions improving operating stability and credit oversight.
Utkarsh Small Finance Bank Ltd Q3 FY26 Results:-
#utkarshSFB
PPOP
-44.27 Cr vs +185.26 Cr YoY & -3.32 Cr QoQ
PAT
-375.01 Cr vs -168.05 Cr YoY & -348.46 Cr QoQ
GNPA 11.05% vs 6.17% YoY & 12.42% QoQ
NNPA 4.48% vs 2.50% YoY & 5.02% QoQ
Utkarsh Small Finance Bank 🏦
👉 GNPA: 11% vs 12.4% (QoQ) vs 6.2% (YoY)
👉 NNPA: 4.5% vs 5% (QoQ) vs 2.5% (YoY)
👉 Provisions: 1235 cr vs 1428 cr (QoQ) vs 529 cr (YoY)
👉 Interest: 821 cr vs 840 cr vs 932 cr
👉 Net Loss: 375 cr vs 348 cr (QoQ) vs 168 cr (YoY)
#utkarshsfb
#Q3Results – Quick Verdict l
🟢 Good/Strong
#MAHLIFE #CAMPUS #UPL #AWFIS
🟡 Mixed
#CUB (RoA ↓)
#MPSLTD
#BAJAJHFL (GNPA +1bp)
#ATHERENERGY (loss ↓)
🔴 Weak
#HYUNDAI (below est.)
#JETFREIGHT (weak YoY)
#MANAKCOAT
#TATACHEM (loss)
#GPTHEALTH (margin ↓)
#UTKARSHSFB (loss exten)
🏦 Utkarsh Small Finance Bank Q3 FY26:
🔹Interest Earned: Rs. 821.14 Cr (-11.89% YoY | -2.25% QoQ)
🔹Net Profit: Loss of Rs.375.01 vs 168.05 Cr (YoY)
🔹Asset Quality: GNPA at 11.05 vs 6.17 and NNPA at 4.48 vs 2.50 (YoY)
🔹EPS: Rs. -2.46 vs -1.53 (YoY)
#UtkarshSFB #BankResults #Q3Results #SFB #Investing #StockMarketIndia #EarningsUpdate #NiftyBank #BankingSector
Utkarsh Small Finance Bank Ltd Q3 FY26 Results:-
#utkarshSFB
PPOP
-44.27 Cr vs +185.26 Cr YoY & -3.32 Cr QoQ
PAT
-375.01 Cr vs -168.05 Cr YoY & -348.46 Cr QoQ
GNPA 11.05% vs 6.17% YoY & 12.42% QoQ
NNPA 4.48% vs 2.50% YoY & 5.02% QoQ
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