Utkarsh Small Finance Bank has scheduled its 10th Annual General Meeting (AGM) for August 04, 2026, at 2:30 p.m. IST. The meeting will be held through video conferencing (VC) and other audio-visual means (OAVM), allowing members to participate without physical presence. The bank has engaged National Securities Depository Limited (NSDL) to provide remote e-voting facilities for shareholders to cast their votes on resolutions set out in the notice.

The Notice of AGM and the Annual Report for the financial year 2025-26 will be circulated electronically to members whose email addresses are registered with the bank or its Registrar and Transfer Agent, KFin Technologies Limited. Physical copies of the Annual Report will be sent only to those members who request them. The bank has also made these documents available on its website, www.utkarsh.bank.in , and the websites of BSE Limited and National Stock Exchange of India Limited.

Shareholders holding shares in dematerialized form are requested to ensure their email addresses and mobile numbers are updated with their Depository Participants to receive communications. The remote e-voting period will commence on August 01, 2026, at 9:00 a.m. IST and conclude on August 03, 2026, at 5:00 p.m. IST. Members who vote via remote e-voting may attend the AGM but will not be entitled to vote again during the meeting.

The meeting is being held in compliance with the provisions of the Companies Act, 2013, and the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. It also adheres to the Ministry of Corporate Affairs Circular No. 03/2025 dated September 22, 2025, which permits companies to hold AGMs through VC or OAVM without a physical venue.

Muthiah Ganapathy, Company Secretary & Compliance Officer of Utkarsh Small Finance Bank, signed the disclosure on July 08, 2026. The bank's registered office is located at Utkarsh Tower, NH-31 (Airport Road), Sehmalpur, Kazi Sarai, Harhua, Varanasi, Uttar Pradesh.

Utkarsh Small Finance Bank reported a 48.5% year-on-year increase in total disbursements to ₹3,370 crore for the quarter ended June 30, 2026. Non-JLG disbursements surged 92.9% to ₹2,180 crore, driving the overall growth, while JLG disbursements rose 4.5% to ₹1,190 crore. Sequentially, total disbursements declined 19.9% from ₹4,207 crore in Q4 FY26.

The bank's gross loan portfolio stood at ₹19,612 crore, a 2% increase from ₹19,224 crore in Q1 FY26. The portfolio mix shifted significantly, with the JLG to Non-JLG ratio moving to 28:72 from 45:55 in the prior year. The secured to unsecured ratio improved to 51:49 from 45:55 YoY.

Total deposits grew 2.6% year-on-year to ₹22,053 crore, supported by a 14.7% rise in retail term deposits to ₹13,393 crore. Bulk term deposits decreased 32.1% to ₹3,794 crore. The CASA ratio improved to 22.1% from 19.7% in Q1 FY26, while the CASA plus retail term deposits ratio stood at 82.8%.

Asset quality metrics for the micro-banking segment showed improvement, with the SMA pool percentage contracting to 1.20% in Q1 FY27 from 5.10% in the same period last year. The X Bucket Collection Efficiency was recorded at 99.63%. The bank maintained a Liquidity Coverage Ratio (LCR) of 223% as on June 30, 2026.

Business Performance Summary

Micro-Banking Asset Quality

The figures for Q1 FY27 are provisional and subject to review by the Joint Statutory Auditors, as well as approval by the Audit Committee and Board of Directors.