UTKARSHBNK Utkarsh Small Finance Bank Q1 FY26 results (Apr–Jun 2025) and concall
Utkarsh Small Finance Bank reported a challenging Q1 FY26 with a net loss of ₹239 crores, primarily driven by a 7% contraction in its JLG book due to the impact of MFIN Guardrail 2.0 and elevated delinquencies. Despite this, the non-JLG portfolio demonstrated strong growth of 39% YoY, and the bank maintained a robust capital adequacy ratio of 19.6% and healthy liquidity. Management anticipates JLG normalcy in 3-4 months and expects credit costs to decline from Q3 FY26.
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What they filed
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 |
|---|---|---|---|---|
| Revenue | 987 | 932 | 880 | 881 |
| Net profit | 51 | -168 | 3 | -239 |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
