Utkarsh Small Finance Bank has announced its board meeting and earnings conference call schedule for the third quarter of fiscal year 2026. The bank will discuss its financial performance for the quarter and nine months ended December 31, 2025, in compliance with regulatory requirements.

Board Meeting and Financial Results

The Board of Directors will convene on Monday, February 02, 2026, to consider and approve the un-audited financial results for Q3FY26. This meeting is being held pursuant to Regulation 29 and 50 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Trading Window Status

The bank had previously announced the closure of its trading window on December 26, 2025. Following the declaration of financial results, the trading window will reopen on Thursday, February 05, 2026, maintaining the mandatory 48-hour gap after results announcement as per regulatory guidelines.

Earnings Conference Call Details

Utkarsh Small Finance Bank will host an earnings conference call on February 02, 2026, at 05.00 p.m. (IST) to discuss the Q3FY26 financial results. The call is being organized in partnership with ICICI Securities and will be represented by the bank's senior management team.

Management Representation

The earnings call will feature key executives from the bank:

• Mr. Govind Singh - Managing Director and CEO
• Mr. Sarjukumar Pravin Simaria - Chief Financial Officer
• Mr. Amit Acharya - Chief Risk Officer
• Mr. Virender Sharma - Head Micro Banking
• Mr. Sourabh Ghosh - Head Consumer Banking

Call Access Information

Regulatory Disclosure

This announcement has been made pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The disclosure is also available on the bank's official website at www.utkarsh.bank.in . The communication was signed by Muthiah Ganapathy, Company Secretary & Compliance Officer, on January 28, 2026.

Utkarsh Small Finance Bank shares are in focus following the lender's business update for the third quarter, which revealed mixed performance across key metrics. The bank's loan portfolio contracted while deposits showed growth, alongside improved operational efficiency indicators.

Loan Portfolio Performance

The bank's gross loan portfolio experienced a decline of 3.90% year-on-year, reaching ₹18,306.00 crores compared to ₹19,057.00 crores in the corresponding quarter of the previous year. On a quarter-on-quarter basis, the portfolio decreased by 1.90% from ₹18,655.00 crores in September. The figures include inter-bank participation certificates issued by the bank.

The decline in the overall loan portfolio was primarily attributed to a significant reduction in the Joint Liability Group (JLG) loan portfolio, which contracted by 34.10% year-on-year to ₹6,419.00 crores. Conversely, the non-JLG loan portfolio demonstrated robust growth of 27.60% year-on-year, reaching ₹11,888.00 crores.

Deposits Growth and Composition

The bank's deposit mobilization showed positive momentum with total deposits increasing by 4.50% year-on-year to ₹21,087.00 crores from ₹20,172.00 crores in the year-ago period. However, deposits declined marginally by 1.70% on a quarter-on-quarter basis from ₹21,447.00 crores in September.

CASA deposits registered strong growth of 16.10% year-on-year to ₹4,611.00 crores, while retail term deposits surged by 23.80% to ₹12,586.00 crores. In contrast, bulk term deposits declined significantly by 35.60% to ₹3,890.00 crores.

Operational Efficiency and Asset Quality

The bank's collection efficiency for its micro banking loan portfolio improved to 99.10% from 98.60% sequentially. For Utkarsh and other microfinance lenders, the "X" bucket refers to highly delinquent category of loans, usually significantly overdue, such as 90-days-plus or 120-days-past due, and represents the riskiest part of their asset quality or loan book.

The bank maintained a robust Liquidity Coverage Ratio of 200.00%, demonstrating strong liquidity management. The deposit composition improved with the CASA ratio reaching 21.90%, while the combined CASA and retail term deposits ratio stood at 81.60%, indicating a favorable shift in the deposit mix.

Stock Performance Analysis

Shares of Utkarsh Small Finance Bank ended the previous session 1.40% lower at ₹15.11 apiece. The stock has experienced significant decline, falling 45.90% in the past year. The shares are trading 39.56% below their IPO price of ₹25.00 and are 48.40% down from their 52-week high of ₹29.33 per share.

Regulatory Compliance

Utkarsh Small Finance Bank has made this disclosure in compliance with SEBI Listing Regulations and the Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information. The bank emphasized that the information is provisional and subject to review by Joint Statutory Auditors and approval by the Audit Committee and Board of Directors.