Every earnings call for UTKARSHBNK — management tone, guidance, KPIs and promise tracking, quarter by quarter.
UTKARSHBNK · 5 transcripts · Financial Services · latest Q4 FY26Utkarsh Small Finance Bank Limited has 5 earnings calls on record here, a Financial Services company, most recently Q4 FY26. Each quarter is scored on revenue, margins, guidance delivery and the questions management left unanswered — so the gap between what was promised and what was delivered is easy to read.
GNPA Ratio 7.7%; Fresh NPA Slippages (net) ₹170 cr; JLG Disbursements Growth 0.58 qoq (+2% YoY). Q4 FY26 disbursements showed strong recovery, with JLG growing 58% QoQ and non-JLG 41% QoQ.
Read full transcript & analysisGross Loan Book Growth -0.039% (−4% YoY); JLG Portfolio Growth -0.16%; MBBL Portfolio Growth 0.8% (+80% YoY). MBBL portfolio grew 80% YoY and 38% QoQ, now 19% of Micro Banking Loan Book.
Read full transcript & analysisGross Loan Book Growth -0.023 YoY (−2% YoY); Net Loss ₹348 cr; Capital Adequacy Ratio 17.2%. Net loss of ₹348 crores in Q2 FY26.
Read full transcript & analysisOverall Loan Book Growth 0.023 decimal_fraction (+2% YoY); JLG Loan Book Growth -0.07 decimal_fraction; Non-JLG Portfolio Growth 0.39 decimal_fraction (+39% YoY). Non-JLG portfolio grew 39% YoY and 2% QoQ.
Read full transcript & analysisPAT ₹24 cr (−95% YoY). Deposits grew by 23% YoY to INR21,566 crores, with CASA ratio improving to 21.8%.
Read full transcript & analysis