Vivek C

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[Vivek C @Vivek10C]

@Incognitocric Have you ever seen Sachin dropped a Catch? He is one of the best fielder.

[Vivek C @Vivek10C]

@growth_edge_ Great insight! Thanks for sharing. The point about long-term consistency is really interesting.

[Vivek C @Vivek10C]

20 years ago, a software developer added 10 lines of code.

No one talks about it.

Yet those 10 lines have saved millions from one of the most embarrassing email mistakes imaginable.

The best engineering often goes unnoticed.

[Vivek C @Vivek10C]

@balakoteswar

[Vivek C @Vivek10C]

@Dynamicinvstr What's the book/eBook name?

[Vivek C @Vivek10C]

10/10

📌 My Take

✅ Business fundamentals are improving.

✅ Asset quality has improved significantly.

✅ Secured lending is increasing.

❌ Profitability still needs to improve consistently.

For long-term investors (3–5 years), gradual accumulation
Not financial advice.

[Vivek C @Vivek10C]

🧵 Utkarsh Small Finance Bank Q1 FY27 - Turnaround or Value Trap? 🤔
I went through the latest business update. Here's what every investor should know before buying #UTKARSHBNK 👇

[Vivek C @Vivek10C]

9/10

Overall Score

⭐ Loan Growth: 8/10

⭐ Deposit Growth: 7/10

⭐ Asset Quality: 10/10

⭐ Portfolio Mix: 10/10

⭐ Risk: High

Business is clearly improving.

The turnaround story is becoming stronger.

[Vivek C @Vivek10C]

8/10

CASA improved

19.7% ➜ 22.1%

Good...

But still lower than many banking peers.

Higher CASA = Lower cost of funds.

[Vivek C @Vivek10C]

7/10

Things I'm still watching carefully 👀

⚠️ Loan book grew only 2% YoY.

Despite 48.5% disbursement growth.

Meaning repayments are still high.

Need stronger loan book expansion in coming quarters.

[Vivek C @Vivek10C]

6/10

Deposits

💰 ₹22,053 Cr

⬆️ +2.6% YoY

Retail Term Deposits grew 14.7%.

Stable retail deposits are always a positive sign.

[Vivek C @Vivek10C]

5/10

📉 Asset Quality is improving.

SMA Pool

5.10% ➜ 1.20%

Collection Efficiency

99.63%

This is probably the strongest part of the update.

Borrowers are paying on time again.

[Vivek C @Vivek10C]

4/10

Portfolio Mix has changed dramatically.

FY26:
🔹 JLG : Non-JLG = 45 : 55
Q1 FY27:
🔹 28 : 72

Less dependence on Microfinance = Lower long-term risk.

[Vivek C @Vivek10C]

3/10

Even better...

Non-JLG (secured/MSME/business loans) grew 92.9% YoY.

JLG (Microfinance) grew only 4.5%.

👉 The bank is shifting towards safer lending.

A big positive.

[Vivek C @Vivek10C]

2/10

📈 Loan Disbursements

✅ ₹3,370 Cr

⬆️ +48.5% YoY

That's a huge jump, indicating healthy loan demand after a difficult FY26.

[Vivek C @Vivek10C]

@iamdvarun GE VERNOVA

[Vivek C @Vivek10C]

@iamdvarun Hi

[Vivek C @Vivek10C]

@iamdvarun Shilpa Medicare?

[Vivek C @Vivek10C]

@NiftyRam72 I’m in