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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

836.75

821.15

839.97

880.91

879.62

932.43

986.95

Income On Investments

119.46

114.23

86.98

81.01

78.41

70.48

68.43

Interest On Balances With Rbi Other Inter Bank Funds

22.12

26.75

38.94

43.54

37.35

35.31

38.94

Interest / Discount On Advances / Bills

695.18

680.16

714.05

756.36

763.86

826.64

879.58

Others

0.00

Other Income

115.32

80.56

97.35

137.75

287.11

105.49

102.59

Total Income

952.07

901.71

937.32

1,018.65

1,166.73

1,037.92

1,089.54

Interest Expended

460.65

472.80

489.50

479.09

468.22

452.31

428.79

Net Interest Income

376.10

348.35

350.47

401.82

411.40

480.12

558.16

Total Expenditure (Excl Depreciation)

479.11

473.18

451.15

447.92

464.54

400.35

384.34

Employee Cost

237.33

246.20

236.24

228.20

204.25

225.37

210.73

Other Operating Expenses

241.78

226.98

214.91

219.72

260.29

174.98

173.61

Operating Profit Before Provisions and Contingencies

12.31

-44.28

-3.32

91.64

233.98

185.26

276.41

Exceptional Items

0.00

Provisions and contingencies

244.39

446.41

461.65

410.51

222.70

423.20

208.34

Profit Before Tax

-232.08

-490.69

-464.97

-318.87

11.28

-237.94

68.07

Tax

-44.07

-115.67

-116.51

-79.39

8.31

-69.89

16.68

Profit After Tax

-188.02

-375.02

-348.46

-239.48

2.97

-168.05

51.39

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

-188.02

-375.02

-348.46

-239.48

2.97

-168.05

51.39

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

-1.06

-2.11

-2.69

-1.85

0.02

-1.3

0.4

Diluted Earnings per share

-1.06

-2.46

-2.68

-1.84

0.03

-1.29

0.39

Operating Profit Margin (Excl OI)

13.53%

-11.99%

-8.67%

2.55%

21.87%

11.68%

39.95%

Gross Profit Margin

-27.74%

-59.76%

-55.36%

-36.2%

1.28%

-25.52%

6.9%

PAT Margin

-22.47%

-45.67%

-41.48%

-27.19%

0.34%

-18.02%

5.21%

Net Interest Margin

0.0%

5.1%

5.9%

6.4%

7.5%

8.8%

Return on Assets

-0.67%

-1.36%

-1.28%

-0.87%

0.01%

-0.64%

0.2%

CASA (%)

0.0%

21.9%

20.9%

19.7%

21.8%

19.7%

20.0%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

0.0%

62.2%

62.7%

59.2%

51.2%

61.1%

77.7%

Amount of Gross NPAs

1,459.90

1,985.95

2,276.08

2,196.22

1,854.38

1,176.76

718.74

Amount of Net NPAs

594.05

750.87

847.91

897.12

905.27

457.69

159.97

% of Net NPAs

3.29%

4.48%

5.02%

5.0%

4.84%

2.5%

0.89%

% of Gross NPAs

7.71%

11.05%

12.42%

11.42%

9.43%

6.17%

3.88%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

372.0

0.0

362.0

369.0

363.0

344.0

Number of Branches

0.0

1105.0

1104.0

1099.0

1092.0

1028.0

967.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Mar 2026 is 1.9% vs -2.24% in Dec 2025

Net Profit

QoQ Growth in quarter ended Mar 2026 is 49.86% vs -7.62% in Dec 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Mar 2026 is 127.80% vs -1,233.73% in Dec 2025

% of Net NPAs

QoQ Growth in quarter ended Mar 2026 is -1.19% vs -0.54% in Dec 2025

% of Gross NPAs

QoQ Growth in quarter ended Mar 2026 is -3.34% vs -1.37% in Dec 2025

Compare Quarterly Results Of Utkarsh Small F. With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

836.75

1,444.59

-607.84

-42.08%

Income On Investments

119.46

129.07

-9.61

-7.45%

Interest On Balances With Rbi Other Inter Bank Funds

22.12

7.03

15.09

214.65%

Interest / Discount On Advances / Bills

695.18

1,308.48

-613.30

-46.87%

Others

0.00

Other Income

115.32

265.60

-150.28

-56.58%

Total Income

952.07

1,710.19

-758.12

-44.33%

Interest Expended

460.65

709.01

-248.36

-35.03%

Net Interest Income

376.10

735.58

-359.48

-48.87%

Total Expenditure (Excl Depreciation)

479.11

666.47

-187.36

-28.11%

Employee Cost

237.33

384.02

-146.69

-38.2%

Other Operating Expenses

241.78

282.45

-40.67

-14.4%

Operating Profit Before Provisions and Contingencies

12.31

334.72

-322.41

-96.32%

Exceptional Items

0.00

Provisions and contingencies

244.39

194.90

49.49

25.39%

Profit Before Tax

-232.08

139.82

-371.90

-265.98%

Tax

-44.07

0.00

-44.07

Profit After Tax

-188.02

139.82

-327.84

-234.47%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

-188.02

139.82

-327.84

-234.47%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

-1.06

13.28

-14.34

-107.98%

Diluted Earnings per share

-1.06

13.23

-14.29

-108.01%

Operating Profit Margin (Excl OI)

13.53%

40.37%

0.00

-26.84%

Gross Profit Margin

-27.74%

9.68%

0.00

-37.42%

PAT Margin

-22.47%

9.68%

0.00

-32.15%

Net Interest Margin

0.00%

7.20%

-7.20

-7.20%

Return on Assets

-0.67%

0.00%

-0.67

-0.67%

CASA (%)

0.00%

18.00%

-18.00

-18.00%

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%

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%

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

822.00

-822.00

-100.0%

Quarterly - Interest Earned

Interest Earned 836.75 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 1.9% vs -2.24% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -4.87% vs -1.79% in Mar 2025

Quarterly - Net Profit

Net Profit -188.02 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 49.86% vs -7.62% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -6,430.64% vs -98.14% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 12.31 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 127.80% vs -1,233.73% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -94.74% vs -17.09% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 3.29%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -1.19% vs -0.54% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -1.55% vs 4.81% in Mar 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 7.71%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -3.34% vs -1.37% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -1.72% vs 6.92% in Mar 2025