UTKARSHBNK Utkarsh Small Finance Bank Q1 FY27 results (Apr–Jun 2026) and concall
Utkarsh Small Finance Bank reported a net loss of INR34 crores in Q1 FY27, marking an over 80% reduction from the previous year, as it navigates a challenging microfinance environment. The bank demonstrated significant improvements in asset quality, with GNPA reducing to 5.9% and fresh slippages falling to ~INR125 crores. Strategic diversification continued, with secured lending now comprising 51% of the loan book, and cost of funds declined to 7.7%. Management is focused on rebuilding earnings strength and expects positive ROE by FY28, while awaiting NCLT approval for its reverse merger.
You’re reading a preview. Opening the full call uses 1 concall credit.
Sign in to use your monthly call allowance.
What they filed
Q1 FY27: revenue up 0.3%, net profit up 85.8% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 987 | 932 | 880 | 881 | 840 −15% | 821 −12% | 837 −5% | 884 +0% |
| Net profit | 51 | -168 | 3 | -239 | -348 −782% | -375 −123% | -188 −6367% | -34 +86% |
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.
