Annual Results Results Snapshot
Figures in Cr
Standalone Annual Results
Mar'26
Mar'25
Mar'24
Mar'23
Mar'22
Mar'21
Mar'18
Interest Earned
3,378.78
3,764.93
3,178.41
2,504.98
1,848.81
1,580.99
519.03
Income On Investments
401.68
278.01
209.33
150.54
154.93
148.69
0.00
Interest On Balances With Rbi Other Inter Bank Funds
131.34
149.94
89.00
76.29
47.72
46.52
0.00
Interest / Discount On Advances / Bills
2,845.75
3,336.96
2,880.06
2,278.12
1,646.13
1,385.74
519.03
Others
0.01
0.01
0.02
0.03
0.04
0.03
0.00
Other Income
430.97
599.83
400.34
299.31
184.83
124.85
42.84
Total Income
3,809.75
4,364.76
3,578.76
2,804.29
2,033.65
1,705.84
561.86
Interest Expended
1,902.04
1,742.06
1,292.61
975.95
787.96
741.74
250.73
Net Interest Income
1,476.74
2,022.87
1,885.80
1,529.03
1,060.85
839.25
268.30
Total Expenditure (Excl Depreciation)
1,851.36
1,615.77
1,288.88
990.01
733.75
545.06
235.55
Employee Cost
947.96
845.60
736.95
570.06
429.83
326.20
0.00
Other Operating Expenses
903.40
770.17
551.93
419.95
303.92
218.86
235.55
Operating Profit Before Provisions and Contingencies
56.35
1,006.93
997.27
838.32
511.93
419.04
75.58
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
1,562.96
979.28
337.88
302.51
432.22
267.60
138.60
Profit Before Tax
-1,506.61
27.65
659.39
535.81
79.71
151.44
-63.02
Tax
-355.64
3.95
161.76
131.31
18.25
39.62
0.00
Profit After Tax
-1,150.98
23.70
497.63
404.50
61.46
111.82
-63.02
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
-1,150.98
23.70
497.63
404.50
61.46
111.82
-63.02
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
996.08
1,872.89
1,873.73
1,104.42
676.78
520.02
0.00
Earnings per share (EPS)
-6.47
0.18
3.84
4.52
0.69
1.32
-1.34
Diluted Earnings per share
-8.37
0.19
4.03
4.51
0.7
1.46
-1.73
Operating Profit Margin (Excl OI)
-1.05%
31.07%
48.82%
48.4%
36.93%
48.6%
27.91%
Gross Profit Margin
-44.59%
0.73%
20.75%
21.39%
4.31%
9.58%
-12.14%
PAT Margin
-34.06%
0.63%
15.66%
16.15%
3.32%
7.07%
-12.14%
Net Interest Margin
0.0%
7.98%
9.44%
0.0%
0.0%
0.0%
0.0%
Return on Assets
-4.16%
0.09%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
0.0%
21.8%
21.0%
21.0%
0.0%
0.0%
0.0%
CASA Amount
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
21.59%
21.88%
17.4%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
0.0%
51.2%
98.9%
88.3%
0.0%
0.0%
0.0%
Amount of Gross NPAs
1,459.90
1,854.38
417.58
431.50
648.16
315.29
0.00
Amount of Net NPAs
594.05
905.27
4.49
50.51
235.80
108.82
0.00
% of Net NPAs
3.29%
4.84%
0.03%
0.39%
2.31%
1.33%
0.0%
% of Gross NPAs
7.71%
9.43%
2.51%
3.23%
6.1%
3.75%
0.0%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
0.0
369.0
320.0
0.0
0.0
0.0
0.0
Number of Branches
0.0
1092.0
888.0
830.0
0.0
0.0
0.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Mar 2026 is -10.26% vs 18.45% in Mar 2025
Net Profit
YoY Growth in year ended Mar 2026 is -4,956.46% vs -95.24% in Mar 2025
Operating Profit (PBDIT)
YoY Growth in year ended Mar 2026 is -94.40% vs 0.97% in Mar 2025
% of Net NPAs
YoY Growth in year ended Mar 2026 is -1.55% vs 4.81% in Mar 2025
% of Gross NPAs
YoY Growth in year ended Mar 2026 is -1.72% vs 6.92% in Mar 2025
Compare Annual Results Of Utkarsh Small F. With
Figures in Cr
Standalone Annual Results
Change(INR)
Change(%)
Interest Earned
3,378.78
5,352.87
-1,974.09
-36.88%
Income On Investments
401.68
490.62
-88.94
-18.13%
Interest On Balances With Rbi Other Inter Bank Funds
131.34
45.81
85.53
186.71%
Interest / Discount On Advances / Bills
2,845.75
4,803.91
-1,958.16
-40.76%
Others
0.01
12.52
-12.51
-99.92%
Other Income
430.97
1,021.90
-590.93
-57.83%
Total Income
3,809.75
6,374.76
-2,565.01
-40.24%
Interest Expended
1,902.04
2,759.74
-857.70
-31.08%
Net Interest Income
1,476.74
2,593.13
-1,116.39
-43.05%
Total Expenditure (Excl Depreciation)
1,851.36
2,449.36
-598.00
-24.41%
Employee Cost
947.96
1,460.22
-512.26
-35.08%
Other Operating Expenses
903.40
989.14
-85.74
-8.67%
Operating Profit Before Provisions and Contingencies
56.35
1,165.66
-1,109.31
-95.17%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
1,562.96
839.24
723.72
86.24%
Profit Before Tax
-1,506.61
326.43
-1,833.04
-561.54%
Tax
-355.64
0.00
-355.64
Profit After Tax
-1,150.98
326.43
-1,477.41
-452.6%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
-1,150.98
326.43
-1,477.41
-452.6%
Face Value
10.00
10.00
0.00
Reserves
996.08
4,328.25
-3,332.17
-76.99%
Earnings per share (EPS)
-6.47
30.99
-37.46
-120.88%
Diluted Earnings per share
-8.37
30.92
-39.29
-127.07%
Operating Profit Margin (Excl OI)
-1.05%
38.56%
0.00
-39.61%
Gross Profit Margin
-44.59%
6.10%
0.00
-50.69%
PAT Margin
-34.06%
6.10%
0.00
-40.16%
Net Interest Margin
0.00%
6.70%
-6.70
-6.70%
Return on Assets
-4.16%
0.00%
-4.16
-4.16%
CASA (%)
0.00%
18.00%
-18.00
-18.00%
CASA Amount
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.00%
0.00%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0.00%
0.00%
0.00
0.00%
Provision Coverage Ratio (%)
0.00%
63.10%
-63.10
-63.10%
Amount of Gross NPAs
1,459.90
846.95
612.95
72.37%
Amount of Net NPAs
594.05
312.54
281.51
90.07%
% of Net NPAs
3.29%
0.92%
2.37
2.37%
% of Gross NPAs
7.71%
2.46%
5.25
5.25%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
0.00
62.00
-62.00
-100.0%
Number of Branches
0.00
822.00
-822.00
-100.0%
Annual - Interest Earned
Interest Earned 3378.78 Cr
in Mar 2026Figures in Cr
YoY Growth in year ended Mar 2026 is -10.26% vs 18.45% in Mar 2025
Annual - Net Profit
Net Profit -1,150.98 Cr
in Mar 2026Figures in Cr
YoY Growth in year ended Mar 2026 is -4,956.46% vs -95.24% in Mar 2025
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 56.35 Cr
in Mar 2026Figures in Cr
YoY Growth in year ended Mar 2026 is -94.40% vs 0.97% in Mar 2025
Annual - % of Net NPAs
% of Net NPAs 3.29%
in Mar 2026Figures in %
YoY Growth in year ended Mar 2026 is -1.55% vs 4.81% in Mar 2025
Annual - % of Gross NPAs
% of Gross NPAs 7.71%
in Mar 2026Figures in %
YoY Growth in year ended Mar 2026 is -1.72% vs 6.92% in Mar 2025
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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