UTKARSHBNK Utkarsh Small Finance Bank Q3 FY26 results (Oct–Dec 2025) and concall
Utkarsh Small Finance Bank reported a challenging Q3 FY26 with a net loss of INR 375 crores, primarily due to elevated credit costs and a 16% QoQ decline in its JLG portfolio. However, the bank demonstrated strong operational discipline with improved collection efficiency (99.5% in JLG) and continued diversification, with secured lending reaching 50% of the loan book. Capital adequacy remains robust at 20.1%, and management provided optimistic guidance for FY27 and FY28, targeting improved profitability and asset quality.
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What they filed
Q3 FY26: revenue down 11.9%, net profit down 123.2% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 |
|---|---|---|---|---|---|---|
| Revenue | 987 | 932 | 880 | 881 | 840 −15% | 821 −12% |
| Net profit | 51 | -168 | 3 | -239 | -348 −782% | -375 −123% |
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.
