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    Earnings calls

    Utkarsh Small F. concall ledger

    Every earnings call for UTKARSHBNK — management tone, guidance, KPIs and promise tracking, quarter by quarter.

    UTKARSHBNK · 4 transcripts · Financial Services · latest Q3 FY26
    Q3 FY26Published 02 Feb 2026Call held 02 Feb 2026

    UTKARSHBNK Q3 FY26 Earnings Call Transcript & Analysis

    Gross Loan Book Growth-0.039%−4% YoYJLG Portfolio Growth-0.16%MBBL Portfolio Growth0.8%+80% YoYMSME Loans₹4,275 cr+24% YoYHousing Loans₹965 cr+13% YoY

    Gross 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.

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    Q2 FY26Published 19 Nov 2025Call held 19 Nov 2025

    UTKARSHBNK Q2 FY26 Earnings Call Transcript & Analysis

    Gross Loan Book Growth-0.023 YoY−2% YoYNet Loss₹348 crCapital Adequacy Ratio17.2%Total Deposits Growth0.1 YoY+10% YoYRetail Term Deposits Growth0.29 YoY+29% YoY

    Gross 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.

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    Q1 FY26Published 04 Aug 2025Call held 04 Aug 2025

    UTKARSHBNK Q1 FY26 Earnings Call Transcript & Analysis

    Overall Loan Book Growth0.023 decimal_fraction+2% YoYJLG Loan Book Growth-0.07 decimal_fractionNon-JLG Portfolio Growth0.39 decimal_fraction+39% YoYSecured Loans Share45%Total Deposits Growth0.18 decimal_fraction+18% YoY

    Overall 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.

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