Utkarsh Small Finance Bank Limited Q1 FY26 results deck summary

Results deck of 2 Aug 2025, summarised by AI from the filing.

Utkarsh Small Finance Bank reported a Q1 FY26 PAT loss of ₹239 cr as gross NPA rose to 11.4% and JLG portfolio fell 23.1% YoY.

Key takeaways

1. Asset quality Gross NPA rose to 11.4% at Jun-25 from 2.8% at Jun-24.
2. JLG slowdown JLG portfolio fell 23.1% YoY to ₹8,578 cr as bank slowed disbursements.
3. Deposits growth Total deposits grew 18.3% YoY to ₹21,489 cr; retail term deposits grew 33.7% YoY.
4. Cost to income Cost to income ratio rose to 83.0% in Q1 FY26 from 54.1% in Q1 FY25.

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)