Utkarsh Small Finance Bank Limited Q2 FY26 results press release summary

Results press release of 14 Nov 2025, summarised by AI from the filing.

Utkarsh Small Finance Bank reports Q2 FY26 net loss of ₹348 crore, gross NPAs at 12.4%, and secured loans at 47% of portfolio.

Key takeaways

1. Margin outlook Management working towards margin improvement in coming quarters as new branches mature.
2. Secured mix Secured loans rose to 47% of portfolio from 38% a year ago.
3. Non-JLG growth Non-JLG loan portfolio grew 30% YoY and 4% QoQ.
4. Asset quality Gross NPAs rose to 12.4% as on September 30, 2025 from 11.4% as on June 30, 2025.

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)