Utkarsh Small Finance Bank Ltd Share Price – NSE  / BSE

Banks, Small Cap

Total disbursements rose 30.1% year-on-year (YoY) to Rs 4,207 crore in Q4 FY26, compared with Rs 3,235 crore in the corresponding quarter last year. On a sequential basis, disbursements jumped 46.1% from Rs 2,880 crore in Q3 FY26.

JLG (joint liability group) disbursements grew 2% YoY to Rs 1,425 crore, while non-JLG disbursements surged 51.4% to Rs 2,782 crore, highlighting a shift towards diversified lending.

The gross loan portfolio stood at Rs 19,333 crore as of 31 March 2026, down 1.7% YoY but up 5.6% sequentially. The JLG loan book declined 37.1% YoY to Rs 5,789 crore, while the non-JLG portfolio rose 29.5% to Rs 13,544 crore.

On the liabilities front, total deposits remained stable at Rs 21,654 crore, up 0.4% YoY and 2.7% QoQ. CASA deposits grew 10.6% YoY to Rs 5,196 crore, while retail term deposits increased 19.6% to Rs 12,720 crore. Bulk term deposits declined 40% YoY to Rs 3,738 crore, indicating a shift towards granular funding.

The CASA ratio improved to 24.0% from 21.8% a year ago, while the CASA plus retail term deposits ratio rose to 82.7%.

Asset quality in the micro-banking segment improved, with X-bucket collection efficiency rising to 99.7% in Q4 FY26 from 99.1% in the previous quarter. The SMA pool declined to 1.3% from 3.2%, reflecting better repayment trends.

The company?s liquidity position remained strong, with a liquidity coverage ratio (LCR) of 177% as of 31 March 2026.

Utkarsh Small Finance Bank is engaged in providing banking and financial services with a focus on providing financial services to the underserved and unserved sections. The bank's microfinance lending activities are primarily focused in rural and semi-urban locations of the country, while its other services are spread across the country.

The bank had reported a net loss of Rs 375 crore in Q3 FY26 as against a net loss of Rs 168 crore in Q3 FY25. Operating income declined by 27% year-on-year (YoY) to Rs 429 crore in Q3 December 2026.

The bank has sold two pools with an aggregate outstanding principal of Rs 1,490.99 crore for a total consideration of Rs 195.29 crore.

The first pool, comprising Rs 1,016.24 crore of loans (2.92 lakh accounts), has been sold to Asset Reconstruction Company India for Rs 133.10 crore.

The second pool, comprising Rs 474.75 crore of loans (1.37 lakh accounts), has been sold to Shriram Asset Reconstruction for Rs 62.19 crore.

Utkarsh Small Finance Bank is engaged in providing banking and financial services with a focus on providing financial services to the underserved and unserved sections. The bank's microfinance lending activities are primarily focused in rural and semi-urban locations of the country, while its other services are spread across the country.

The bank had reported a net loss of Rs 375 crore in Q3 FY26 as against a net loss of Rs 168 crore in Q3 FY25. Operating income declined by 27% year-on-year (YoY) to Rs 429 crore in Q3 December 2026.

The scrip had slumped 7.34% to end at Rs 10.22 on the BSE on Monday.

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Utkarsh Small Finance Bank announced that upon conclusion of Swiss Challenge Method, the Bank has completed the transaction of transfer of portfolio of unsecured stressed MFI loans (NPA and written-off accounts) to asset reconstruction companies as detailed below:

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Utkarsh Small Finance Bank announced that an Extra Ordinary General Meeting (EGM) of the Company will be held on 28 March 2026.

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