Utkarsh Small Finance Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

883.56

836.75

821.15

839.97

880.91

879.62

932.43

Income On Investments

115.52

119.46

114.23

86.98

81.01

78.41

70.48

Interest On Balances With Rbi Other Inter Bank Funds

15.06

22.12

26.75

38.94

43.54

37.35

35.31

Interest / Discount On Advances / Bills

752.98

695.18

680.16

714.05

756.36

763.86

826.64

Others

0.00

Other Income

118.81

115.32

80.56

97.35

137.75

287.11

105.49

Total Income

1,002.37

952.07

901.71

937.32

1,018.65

1,166.73

1,037.92

Interest Expended

461.49

460.65

472.80

489.50

479.09

468.22

452.31

Net Interest Income

422.07

376.10

348.35

350.47

401.82

411.40

480.12

Total Expenditure (Excl Depreciation)

477.32

479.11

473.18

451.15

447.92

464.54

400.35

Employee Cost

240.63

237.33

246.20

236.24

228.20

204.25

225.37

Other Operating Expenses

236.69

241.78

226.98

214.91

219.72

260.29

174.98

Operating Profit Before Provisions and Contingencies

63.57

12.31

-44.28

-3.32

91.64

233.98

185.26

Exceptional Items

0.00

Provisions and contingencies

108.98

244.39

446.41

461.65

410.51

222.70

423.20

Profit Before Tax

-45.41

-232.08

-490.69

-464.97

-318.87

11.28

-237.94

Tax

-11.50

-44.07

-115.67

-116.51

-79.39

8.31

-69.89

Profit After Tax

-33.92

-188.02

-375.02

-348.46

-239.48

2.97

-168.05

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

-33.92

-188.02

-375.02

-348.46

-239.48

2.97

-168.05

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

-0.19

-1.06

-2.11

-2.69

-1.85

0.02

-1.3

Diluted Earnings per share

-0.19

-1.06

-2.46

-2.68

-1.84

0.03

-1.29

Operating Profit Margin (Excl OI)

33.64%

13.53%

-11.99%

-8.67%

2.55%

21.87%

11.68%

Gross Profit Margin

-5.14%

-27.74%

-59.76%

-55.36%

-36.2%

1.28%

-25.52%

PAT Margin

-3.84%

-22.47%

-45.67%

-41.48%

-27.19%

0.34%

-18.02%

Net Interest Margin

0.0%

5.5%

5.1%

5.9%

6.4%

7.5%

Return on Assets

-0.12%

-0.67%

-1.36%

-1.28%

-0.87%

0.01%

-0.64%

CASA (%)

0.0%

24.0%

21.9%

20.9%

19.7%

21.8%

19.7%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

0.0%

59.3%

62.2%

62.7%

59.2%

51.2%

61.1%

Amount of Gross NPAs

1,163.18

1,459.90

1,985.95

2,276.08

2,196.22

1,854.38

1,176.76

Amount of Net NPAs

528.66

594.05

750.87

847.91

897.12

905.27

457.69

% of Net NPAs

2.86%

3.29%

4.48%

5.02%

5.0%

4.84%

2.5%

% of Gross NPAs

6.09%

7.71%

11.05%

12.42%

11.42%

9.43%

6.17%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

373.0

372.0

0.0

362.0

369.0

363.0

Number of Branches

0.0

1110.0

1105.0

1104.0

1099.0

1092.0

1028.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Jun 2026 is 5.59% vs 1.9% in Mar 2026

Net Profit

QoQ Growth in quarter ended Jun 2026 is 81.96% vs 49.86% in Mar 2026

Operating Profit (PBDIT)

QoQ Growth in quarter ended Jun 2026 is 416.41% vs 127.80% in Mar 2026

% of Net NPAs

QoQ Growth in quarter ended Jun 2026 is -0.43% vs -1.19% in Mar 2026

% of Gross NPAs

QoQ Growth in quarter ended Jun 2026 is -1.62% vs -3.34% in Mar 2026

Compare Quarterly Results Of Utkarsh Small F. With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

883.56

1,514.53

-630.97

-41.66%

Income On Investments

115.52

123.34

-7.82

-6.34%

Interest On Balances With Rbi Other Inter Bank Funds

15.06

11.43

3.63

31.76%

Interest / Discount On Advances / Bills

752.98

1,379.27

-626.29

-45.41%

Others

0.00

0.49

-0.49

-100.0%

Other Income

118.81

226.91

-108.10

-47.64%

Total Income

1,002.37

1,741.45

-739.08

-42.44%

Interest Expended

461.49

732.06

-270.57

-36.96%

Net Interest Income

422.07

782.47

-360.40

-46.06%

Total Expenditure (Excl Depreciation)

477.32

676.22

-198.90

-29.41%

Employee Cost

240.63

414.86

-174.23

-42.0%

Other Operating Expenses

236.69

261.36

-24.67

-9.44%

Operating Profit Before Provisions and Contingencies

63.57

333.16

-269.59

-80.92%

Exceptional Items

0.00

Provisions and contingencies

108.98

177.93

-68.95

-38.75%

Profit Before Tax

-45.41

155.23

-200.64

-129.25%

Tax

-11.50

0.00

-11.50

Profit After Tax

-33.92

155.23

-189.15

-121.85%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

-33.92

155.23

-189.15

-121.85%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

-0.19

14.74

-14.93

-101.29%

Diluted Earnings per share

-0.19

14.69

-14.88

-101.29%

Operating Profit Margin (Excl OI)

33.64%

43.60%

0.00

-9.96%

Gross Profit Margin

-5.14%

10.25%

0.00

-15.39%

PAT Margin

-3.84%

10.25%

0.00

-14.09%

Net Interest Margin

0.00%

7.50%

-7.50

-7.50%

Return on Assets

-0.12%

0.00%

-0.12

-0.12%

CASA (%)

0.00%

19.00%

-19.00

-19.00%

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 (%)

0.00%

62.64%

-62.64

-62.64%

Amount of Gross NPAs

1,163.18

841.10

322.08

38.29%

Amount of Net NPAs

528.66

314.26

214.40

68.22%

% of Net NPAs

2.86%

0.91%

1.95

1.95%

% of Gross NPAs

6.09%

2.39%

3.70

3.70%

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

0.00

62.00

-62.00

-100.0%

Number of Branches

0.00

826.00

-826.00

-100.0%

Quarterly - Interest Earned

Interest Earned 883.56 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 5.59% vs 1.9% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 0.3% vs -8.8% in Jun 2025

Quarterly - Net Profit

Net Profit -33.92 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 81.96% vs 49.86% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 85.84% vs -274.29% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 63.57 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 416.41% vs 127.80% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -30.63% vs -70.56% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 2.86%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.43% vs -1.19% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -2.14% vs 4.74% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 6.09%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -1.62% vs -3.34% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -5.33% vs 8.64% in Jun 2025