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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Mar'24

Interest Earned

839.97

880.91

879.62

932.43

986.95

965.92

895.62

Income On Investments

86.98

81.01

78.41

70.48

68.43

60.69

57.30

Interest On Balances With Rbi Other Inter Bank Funds

38.94

43.54

37.35

35.31

38.94

38.33

21.97

Interest / Discount On Advances / Bills

714.05

756.36

763.86

826.64

879.58

866.89

816.34

Others

0.00

Other Income

97.35

137.75

287.11

105.49

102.59

104.65

120.68

Total Income

937.32

1,018.65

1,166.73

1,037.92

1,089.54

1,070.57

1,016.30

Interest Expended

489.50

479.09

468.22

452.31

428.79

392.75

355.67

Net Interest Income

350.47

401.82

411.40

480.12

558.16

573.17

539.95

Total Expenditure (Excl Depreciation)

451.15

447.92

464.54

400.35

384.34

366.53

378.42

Employee Cost

236.24

228.20

204.25

225.37

210.73

205.24

210.41

Other Operating Expenses

214.91

219.72

260.29

174.98

173.61

161.29

168.01

Operating Profit Before Provisions and Contingencies

-3.32

91.64

233.98

185.26

276.41

311.28

282.22

Exceptional Items

0.00

Provisions and contingencies

461.65

410.51

222.70

423.20

208.34

125.04

73.87

Profit Before Tax

-464.97

-318.87

11.28

-237.94

68.07

186.24

208.35

Tax

-116.51

-79.39

8.31

-69.89

16.68

48.84

48.69

Profit After Tax

-348.46

-239.48

2.97

-168.05

51.39

137.40

159.66

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

-348.46

-239.48

2.97

-168.05

51.39

137.40

159.66

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

-2.69

-1.85

0.02

-1.3

0.4

1.25

1.23

Diluted Earnings per share

-2.68

-1.84

0.03

-1.29

0.39

1.24

1.22

Operating Profit Margin (Excl OI)

-8.67%

2.55%

21.87%

11.68%

39.95%

49.11%

49.5%

Gross Profit Margin

-55.36%

-36.2%

1.28%

-25.52%

6.9%

19.28%

23.26%

PAT Margin

-41.48%

-27.19%

0.34%

-18.02%

5.21%

14.22%

17.83%

Net Interest Margin

0.0%

5.9%

6.4%

7.5%

8.8%

9.4%

9.9%

Return on Assets

-1.28%

-0.87%

0.01%

-0.64%

0.2%

0.57%

0.72%

CASA (%)

0.0%

19.7%

21.8%

20.0%

19.0%

21.0%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

0.0%

59.2%

51.2%

61.1%

77.7%

91.0%

98.9%

Amount of Gross NPAs

2,276.08

2,196.22

1,854.38

1,176.76

718.74

475.63

417.58

Amount of Net NPAs

847.91

897.12

905.27

457.69

159.97

42.83

4.49

% of Net NPAs

5.02%

5.0%

4.84%

2.5%

0.89%

0.26%

0.03%

% of Gross NPAs

12.42%

11.42%

9.43%

6.17%

3.88%

2.78%

2.51%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

362.0

369.0

363.0

344.0

321.0

320.0

Number of Branches

0.0

1099.0

1092.0

1028.0

967.0

916.0

888.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Sep 2025 is -4.65% vs 0.15% in Jun 2025

Net Profit

QoQ Growth in quarter ended Sep 2025 is -45.51% vs -8,163.30% in Jun 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is -103.62% vs -60.83% in Jun 2025

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is 0.02% vs 0.16% in Jun 2025

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is 1.00% vs 1.99% in Jun 2025

Compare Quarterly Results Of Utkarsh Small F. With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

839.97

1,304.78

-464.81

-35.62%

Income On Investments

86.98

115.86

-28.88

-24.93%

Interest On Balances With Rbi Other Inter Bank Funds

38.94

13.83

25.11

181.56%

Interest / Discount On Advances / Bills

714.05

1,175.09

-461.04

-39.23%

Others

0.00

0.01

-0.01

-100.0%

Other Income

97.35

247.47

-150.12

-60.66%

Total Income

937.32

1,552.25

-614.93

-39.62%

Interest Expended

489.50

686.31

-196.81

-28.68%

Net Interest Income

350.47

618.47

-268.00

-43.33%

Total Expenditure (Excl Depreciation)

451.15

586.97

-135.82

-23.14%

Employee Cost

236.24

355.54

-119.30

-33.55%

Other Operating Expenses

214.91

231.43

-16.52

-7.14%

Operating Profit Before Provisions and Contingencies

-3.32

278.96

-282.28

-101.19%

Exceptional Items

0.00

Provisions and contingencies

461.65

203.97

257.68

126.33%

Profit Before Tax

-464.97

74.99

-539.96

-720.04%

Tax

-116.51

0.00

-116.51

Profit After Tax

-348.46

74.99

-423.45

-564.68%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

-348.46

74.99

-423.45

-564.68%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

-2.69

7.13

-9.82

-137.73%

Diluted Earnings per share

-2.68

7.13

-9.81

-137.59%

Operating Profit Margin (Excl OI)

-8.67%

39.38%

0.00

-48.05%

Gross Profit Margin

-55.36%

5.75%

0.00

-61.11%

PAT Margin

-41.48%

5.75%

0.00

-47.23%

Net Interest Margin

0.00%

6.60%

-6.60

-6.60%

Return on Assets

-1.28%

0.00%

-1.28

-1.28%

CASA (%)

0.00%

18.30%

-18.30

-18.30%

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%

67.93%

-67.93

-67.93%

Amount of Gross NPAs

2,276.08

871.00

1,405.08

161.32%

Amount of Net NPAs

847.91

279.00

568.91

203.91%

% of Net NPAs

5.02%

0.90%

4.12

4.12%

% of Gross NPAs

12.42%

2.80%

9.62

9.62%

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

61.00

-61.00

-100.0%

Number of Branches

0.00

Quarterly - Interest Earned

Interest Earned 839.97 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -4.65% vs 0.15% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -14.89% vs 30.49% in Sep 2024

Quarterly - Net Profit

Net Profit -348.46 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -45.51% vs -8,163.30% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -778.07% vs -55.09% in Sep 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) -3.32 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -103.62% vs -60.83% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -101.20% vs 16.30% in Sep 2024

Quarterly - % of Net NPAs

% of Net NPAs 5.02%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is 0.02% vs 0.16% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 4.13% vs 0.73% in Sep 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 12.42%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is 1.00% vs 1.99% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 8.54% vs 1.07% in Sep 2024