UTKARSHBNK Utkarsh Small Finance Bank Q2 FY26 results (Jul–Sep 2025) and concall
Utkarsh Small Finance Bank navigated Q2 FY26 amidst regulatory recalibrations and legacy stress, resulting in a net loss of ₹348 crores and a 2.3% YoY contraction in the gross loan book. Despite these challenges, the bank saw strong growth in non-JLG segments like MBBL (39% YoY), MSME (33% YoY), and Housing (21% YoY). Capital adequacy remained robust at 17.2%, bolstered by a ₹950 crores equity raise, and collection efficiencies showed signs of improvement, with management anticipating better performance from Q3 onwards.
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What they filed
Q2 FY26: revenue down 14.9%, net profit down 782.4% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 |
|---|---|---|---|---|---|
| Revenue | 987 | 932 | 880 | 881 | 840 −15% |
| Net profit | 51 | -168 | 3 | -239 | -348 −782% |
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.
