| Margins | Repricing deposits to 7.9% to optimize cost of funds. |
|---|---|
| Demand visibility | Strong traction in Micro LAP and used vehicle segments. |
| Management confidence | High on reaching 15% ROE by FY28. |
Growth
JLG disbursements up 58% QoQ; non-JLG up 41% QoQ. Retail term deposits grew 20% YoY.
Outlook
Targeting 25-30% loan growth, 15% ROE by FY28, and NIMs above 8% through secured asset focus.
Risks
Legacy MFI stress impacts credit costs; high cost-to-income ratio; potential West Asia geopolitical impacts on MSME.
Earnings Call filed with NSE, NSE: UTKARSHBNK. Summary written with AI assistance from the document.
Utkarsh Small Finance Bank Ltd: key numbers
- Share price
- ₹13.98
- Market cap
- ₹2,488 Cr
- Revenue (annual)
- ₹3,379 Cr
- Net profit (annual)
- ₹-1,151 Cr
- P/E (TTM)
- -2.6×Sector 21.8×
- Promoter holding
- 42.67%+0.00% QoQ
- FII holding
- 11.90%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Utkarsh Small Finance Bank Ltd
All →Utkarsh Small Finance Bank Debt & Borrowing
Utkarsh Small Finance Bank has allotted non-convertible debt securities. This action falls under the bank's debt issuance activities.
Utkarsh Small Finance Bank Debt & Borrowing: ₹300 Cr
Utkarsh Small Finance Bank allotted non-convertible debentures worth ₹300 Crore to eligible investors. These unsecured, subordinated, redeemable bonds carry an 11.75% coupon rate.
- Value
- ₹300.0 Cr
- Execution
- 7 years
Utkarsh Small Finance Bank Management Change
Utkarsh Small Finance Bank appointed Mr. Manmohan Shetty as the new Chief Financial Officer and Key Managerial Personnel, effective September 19, 2026.
Utkarsh Small Finance Bank Debt & Borrowing: ₹300 Cr
Utkarsh SFB's CSFRC approved Tier II NCDs up to ₹300 crore in a 7-year private placement. Coupon is up to 11.75% p.a. on BSE WDM listing.
- Value
- ₹300.0 Cr
Utkarsh Small Finance Bank Credit Rating
Utkarsh Small Finance Bank received a 'CARE A-; Stable' credit rating for proposed Tier II bonds and a reaffirmation for its existing Tier II bonds.
Utkarsh Small Finance Bank Debt & Borrowing: ₹2.88 Cr
Utkarsh Small Finance Bank paid gross interest of ₹2.88 Crore on its non-convertible securities. This intimation satisfies Regulation 57(1) compliance requirements.
- Value
- ₹2.88 Cr