Utkarsh Small Finance Bank Ltd Nine-Monthly Results: Standalone & Consolidated Reports

Nine Monthly Results

Results Snapshot

Figures in Cr

Standalone Nine Monthly Results

Dec'25

Dec'24

Dec'23

Dec'22

Dec'21

Interest Earned

2,542.03

2,885.30

2,282.79

1,813.87

1,408.19

Income On Investments

282.22

199.60

152.03

104.09

116.50

Interest On Balances With Rbi Other Inter Bank Funds

109.22

112.59

67.03

53.60

35.52

Interest / Discount On Advances / Bills

2,150.57

2,573.10

2,063.72

1,656.15

1,256.15

Others

0.01

0.02

0.03

Other Income

315.65

312.72

279.74

230.16

131.84

Total Income

2,857.68

3,198.02

2,562.53

2,044.03

1,540.03

Interest Expended

1,441.39

1,273.85

936.93

694.43

594.11

Net Interest Income

1,100.64

1,611.45

1,345.86

1,119.44

814.08

Total Expenditure (Excl Depreciation)

1,372.24

1,151.22

910.55

719.58

546.35

Employee Cost

710.64

641.34

526.54

411.11

318.28

Other Operating Expenses

661.60

509.88

384.01

308.47

228.07

Operating Profit Before Provisions and Contingencies

44.04

772.95

715.05

630.01

399.56

Exceptional Items

0.00

Provisions and contingencies

1,318.57

756.58

264.01

268.41

293.71

Profit Before Tax

-1,274.53

16.37

451.04

361.61

105.84

Tax

-311.57

-4.36

113.07

90.89

19.76

Profit After Tax

-962.97

20.74

337.97

270.70

86.10

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

-962.97

20.74

337.97

270.70

86.10

Face Value

10.0

Reserves

0.00

Diluted Earnings per share

-2.46

-1.29

1.13

1.04

0.55

Operating Profit Margin (Excl OI)

46.02%

60.1%

60.11%

60.33%

61.2%

Gross Profit Margin

0.0%

PAT Margin

-37.88%

0.72%

14.81%

14.92%

6.11%

Net Interest Margin

5.1%

7.5%

9.7%

0.0%

Return on Assets

-1.36%

-0.64%

0.58%

0.0%

CASA (%)

21.9%

19.7%

20.0%

21.0%

0.0%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.0%

20.39%

21.59%

Capital Adequacy Ratio (Tier 1)

0.0%

17.88%

0.0%

Provision Coverage Ratio (%)

62.2%

61.1%

93.8%

80.5%

0.0%

Amount of Gross NPAs

1,985.95

1,176.76

464.43

448.48

648.16

Amount of Net NPAs

750.87

457.69

28.93

87.43

235.80

% of Net NPAs

4.48%

2.5%

0.19%

0.72%

2.31%

% of Gross NPAs

11.05%

6.17%

3.04%

3.58%

6.1%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

372.0

363.0

319.0

0.0

Number of Branches

1105.0

1028.0

880.0

794.0

0.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2025 is -11.9% vs 26.39% in Dec 2024

Net Profit

YoY Growth in nine months ended Dec 2025 is -4,743.06% vs -93.86% in Dec 2024

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2025 is -94.30% vs 8.10% in Dec 2024

% of Net NPAs

YoY Growth in nine months ended Dec 2025 is 1.98% vs 2.31% in Dec 2024

% of Gross NPAs

YoY Growth in nine months ended Dec 2025 is 4.88% vs 3.13% in Dec 2024

Compare Nine Monthly Results Of Utkarsh Small F. With

Select Peers

Figures in Cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

2,542.03

3,940.97

-1,398.94

-35.5%

Income On Investments

282.22

361.55

-79.33

-21.94%

Interest On Balances With Rbi Other Inter Bank Funds

109.22

38.78

70.44

181.64%

Interest / Discount On Advances / Bills

2,150.57

3,528.13

-1,377.56

-39.05%

Others

0.01

12.51

-12.50

-99.92%

Other Income

315.65

756.29

-440.64

-58.26%

Total Income

2,857.68

4,697.26

-1,839.58

-39.16%

Interest Expended

1,441.39

2,050.74

-609.35

-29.71%

Net Interest Income

1,100.64

1,890.23

-789.59

-41.77%

Total Expenditure (Excl Depreciation)

1,372.24

1,782.89

-410.65

-23.03%

Employee Cost

710.64

1,076.20

-365.56

-33.97%

Other Operating Expenses

661.60

706.69

-45.09

-6.38%

Operating Profit Before Provisions and Contingencies

44.04

863.63

-819.59

-94.9%

Exceptional Items

0.00

Provisions and contingencies

1,318.57

677.02

641.55

94.76%

Profit Before Tax

-1,274.53

186.61

-1,461.14

-782.99%

Tax

-311.57

0.00

-311.57

Profit After Tax

-962.97

186.61

-1,149.58

-616.03%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

-962.97

186.61

-1,149.58

-616.03%

Face Value

10.00

0.00

Reserves

0.00

Gross Profit Margin

0.00%

0.00

0.00%

PAT Margin

-37.88%

4.74%

0.00

-42.62%

Net Interest Margin

5.10%

6.70%

-1.60

-1.60%

Return on Assets

-1.36%

0.00%

-1.36

-1.36%

CASA (%)

21.90%

20.00%

1.90

1.90%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.00%

0.00

0.00%

Capital Adequacy Ratio (Tier 1)

0.00%

0.00

0.00%

Provision Coverage Ratio (%)

62.20%

64.44%

-2.24

-2.24%

Amount of Gross NPAs

1,985.95

829.17

1,156.78

139.51%

Amount of Net NPAs

750.87

294.85

456.02

154.66%

% of Net NPAs

4.48%

0.94%

3.54

3.54%

% of Gross NPAs

11.05%

2.59%

8.46

8.46%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

372.00

62.00

310.00

500.0%

Number of Branches

1,105.00

816.00

289.00

35.42%

Nine Monthly - Interest Earned

Interest Earned 2542.03 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is -11.9% vs 26.39% in Dec 2024

Nine Monthly - Net Profit

Net Profit -962.97 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is -4,743.06% vs -93.86% in Dec 2024

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 44.04 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is -94.30% vs 8.10% in Dec 2024

Nine Monthly - % of Net NPAs

% of Net NPAs 4.48%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is 1.98% vs 2.31% in Dec 2024

Nine Monthly - % of Gross NPAs

% of Gross NPAs 11.05%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is 4.88% vs 3.13% in Dec 2024