UTKARSHBNK Utkarsh Small Finance Bank Q4 FY26 results (Jan–Mar 2026) and concall
Utkarsh Small Finance Bank reported a challenging Q4 FY26 with a net loss of INR188 crores due to legacy stress provisioning, yet demonstrated significant operational improvements. The bank saw strong recovery in disbursements, improved collection efficiency, and a reduction in fresh NPA slippages. Strategic rebalancing towards secured lending and a lower cost of funds position the bank for future growth, with management guiding for 25-30% loan book growth and 15% RoE by FY28.
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What they filed
Q4 FY26: revenue down 4.9%, net profit down 6366.7% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 |
|---|---|---|---|---|---|---|---|
| Revenue | 987 | 932 | 880 | 881 | 840 −15% | 821 −12% | 837 −5% |
| Net profit | 51 | -168 | 3 | -239 | -348 −782% | -375 −123% | -188 −6367% |
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.
