UTKARSHBNK Utkarsh Small Finance Bank Q4 FY25 results (Jan–Mar 2025) and concall
Utkarsh Small Finance Bank reported a challenging Q4 FY25 marked by significant asset quality stress, with Gross NPAs rising to 9.43% and PAT falling to INR24 crores for FY25. Despite this, the bank demonstrated strong deposit growth, improved its CASA ratio, and saw robust expansion in its non-JLG secured loan portfolio. Management anticipates continued profitability stress in H1 FY26 but expects material improvement thereafter, alongside normalization of asset quality and disbursements in the microfinance segment.
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What they filed
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 |
|---|---|---|---|
| Revenue | 987 | 932 | 880 |
| Net profit | 51 | -168 | 3 |
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.
