Utkarsh Small Finance Bank Limited Q4 FY25 results deck summary

Results deck of 3 May 2025, summarised by AI from the filing.

FY25 PAT fell to ₹24 cr (FY24: ₹498 cr) as provisions rose to ₹979 cr on MFI stress.

Key takeaways

1. PAT FY25 PAT ₹24 cr (FY24: ₹498 cr, -95%) due to higher provisions.
2. Asset quality Gross NPA 9.4% (Mar-24: 2.5%) and Net NPA 4.84% (Mar-24: 0.03%).
3. Deposits Total Deposits ₹21,566 cr (Mar-24: ₹17,473 cr, +23.4%) led by retail term deposits.
4. Provisions Total provisions ₹979 cr (FY24: ₹338 cr, +190%) impacted by MFI disruptions.

Original filing on BSE

Utkarsh Small Finance Bank Limited Q1 FY27 results

As filed: Revenue ₹884 cr, EBITDA −₹164 cr, PAT −₹33.9 cr, EBITDA margin -18.6%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹837 cr, EBITDA −₹347 cr, PAT −₹188 cr, EBITDA margin -41.5%. Not scored. Bank result format: not scored yet. Share price after the results: −20.3% in 30 days (Nifty 500: −4.1%).
• Q3 FY26: Revenue ₹821 cr, EBITDA −₹571 cr, PAT −₹375 cr, EBITDA margin -69.6%. Not scored. Bank result format: not scored yet. Share price after the results: −3.1% in 30 days (Nifty 500: −1.9%).
• Q2 FY26: Revenue ₹840 cr, EBITDA −₹562 cr, PAT −₹348 cr, EBITDA margin -67.0%. Not scored. Bank result format: not scored yet. Share price after the results: −7.5% in 28 days (Nifty 500: −0.5%).
• Q1 FY26: Revenue ₹881 cr, EBITDA −₹457 cr, PAT −₹239 cr, EBITDA margin -51.8%. Not scored. Bank result format: not scored yet. Share price after the results: −5.0% in 30 days (Nifty 500: +0.2%).
• Q4 FY25: Revenue ₹880 cr, EBITDA −₹276 cr, PAT ₹3.0 cr, EBITDA margin -31.4%. Not scored. Bank result format: not scored yet. Share price after the results: −2.1% in 30 days (Nifty 500: +3.8%).
• Q3 FY25: Revenue ₹932 cr, EBITDA −₹343 cr, PAT −₹168 cr, EBITDA margin -36.9%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹987 cr, EBITDA −₹34.6 cr, PAT ₹51.0 cr, EBITDA margin -3.5%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Utkarsh Small Finance Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (3 Aug 2026), Results deck (1 Aug 2026), Results press release (1 Aug 2026)
• Q4 FY26: Earnings call (11 May 2026), Results deck (9 May 2026), Results press release (9 May 2026)
• Q3 FY26: Earnings call (2 Feb 2026), Results deck (2 Feb 2026), Results press release (2 Feb 2026)
• Q2 FY26: Earnings call (14 Nov 2025), Results deck (14 Nov 2025), Results press release (14 Nov 2025)
• Q1 FY26: Earnings call (4 Aug 2025), Results deck (2 Aug 2025), Results deck (27 Aug 2025), Results press release (2 Aug 2025)
• Q4 FY25: Earnings call (5 May 2025), Results deck (3 May 2025), Results press release (3 May 2025)