ResultsIQ

ResultsIQ › Latest results › Utkarsh Small Finance Bank Limited

Utkarsh Small Finance Bank Limited Q1 FY27 earnings call summary

NSE: UTKARSHBNK · BSE: 543942

Earnings call of 3 Aug 2026, summarised by AI from the filing.

Utkarsh SFB reported Q1 FY27 net loss of INR34 crores, down over 80% YoY, and guides 25-30% loan growth for FY27.

Key takeaways

  1. Net loss INR34 crores in Q1 FY27, a reduction of more than 80% year-on-year and sequentially.
  2. Guidance Loan book growth of 25% to 30% for FY27, with secured lending at ~55% and ROE of ~15% by FY28.
  3. Asset quality GNPA ratio improved to 5.9% as of June 2026, down ~550 bps year-on-year and ~160 bps quarter-on-quarter.
  4. Disbursements Total disbursements grew 49% year-on-year, driven by non-JLG disbursements growing 93%.
  5. Risk Recoveries from secured retail book are slow due to SARFAESI process taking 6-7 months.

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

Figures from the company's filings with NSE and BSE. Not investment advice.