Utkarsh Small Finance Bank
18.36
-0.17(-0.92%)
Market Cap₹3,297.50 Cr
PE Ratio-9.36
IndustryBanks
Company Performance:
1D-0.92%
1M-0.33%
6M-18.22%
1Y-47.80%
5Y-54.94%
View Company Insightsright
More news about Utkarsh Small Finance Bank
27Aug 25
Utkarsh Small Finance Bank Reports ₹239 Crore Loss in Q1 Amid Analyst Meetings
Utkarsh Small Finance Bank reported a loss of ₹239.00 crore in Q1, compared to a profit of ₹137.00 crore in the same quarter last year. The bank's gross NPAs increased to 11.40% from 2.80% year-over-year. Despite challenges, total advances grew by 2.30% to ₹19,224.00 crore, and deposits increased by 18.30% to ₹21,489.00 crore. The bank has scheduled analyst and investor meetings from August 30 to September 8 to discuss business outlook and publicly available information.
07Aug 25
Utkarsh Small Finance Bank Reports Rs 239 Crore Net Loss in Q1 Amid JLG Portfolio Stress
Utkarsh Small Finance Bank faced a net loss of Rs 239 crores in Q1, primarily due to stress in its Joint Liability Group microfinance portfolio. The bank's collection efficiency in micro-banking dropped to 82% from 96.20%. While the JLG portfolio declined by 7%, non-JLG portfolio grew by 39% year-on-year. Total deposits grew 18% year-on-year. The bank's MSME portfolio expanded by 46%, housing loans grew by 30%, and CE & CV loan book increased by 17% year-on-year. The bank expects collection efficiency normalization within 3-4 months and plans to raise Rs 750 crores in equity funding.
02Aug 25
Utkarsh Small Finance Bank Reports ₹239 Crore Net Loss in Q1 Amid Strategic Shift to Secured Lending
Utkarsh Small Finance Bank reported a net loss of ₹239.00 crore in Q1, compared to a profit of ₹137.00 crore in the same quarter last year. The bank's gross loan portfolio grew by 2.3% year-on-year to ₹19,224.00 crore, while deposits increased by 18.3% to ₹21,489.00 crore. The bank continued its strategic shift towards secured lending, with secured loans now comprising 45% of the portfolio. Asset quality deteriorated with gross NPAs rising to 11.42% from 2.78% a year ago. Despite challenges, the bank showed growth in non-JLG loan portfolio and CASA deposits. The bank maintained comfortable capitalization with CRAR at 19.64%.
02Aug 25
Utkarsh Small Finance Bank Approves Q1 FY26 Results, Appoints New Head of Consumer Banking
Utkarsh Small Finance Bank has approved its unaudited financial results for Q1 FY2025-26 and appointed Dr. Sourabh Ghosh as the new Head of Consumer Banking. Dr. Ghosh, with over 25 years of experience in banking and financial services, joins from AU Small Finance Bank. The bank confirmed no outstanding secured listed non-convertible debt securities as of June 30, 2025.
07Jul 25
Utkarsh Small Finance Bank Reports Q1 Growth in Loans and Deposits
Utkarsh Small Finance Bank showed positive growth in Q1. Gross Loan Portfolio increased by 2.30% to ₹19,224.00 crore. Deposits grew significantly by 16.80% to ₹21,489.00 crore. The bank's cautious lending approach coupled with successful deposit expansion suggests a focus on strengthening liquidity and creating a stable foundation for future growth.
05Jul 25
Utkarsh Small Finance Bank: Q1 Deposits Up 18% YoY, Loan Portfolio Shrinks
Utkarsh Small Finance Bank's Q1 results show an 18.3% YoY increase in deposits to ₹21,489.00 crore. The gross loan portfolio grew 2.3% YoY but declined 2.2% QoQ. CASA deposits increased 22.1% YoY but decreased 10.2% sequentially. JLG loans fell 23.1% YoY, while non-JLG loans surged 39.4%. The bank maintains a strong liquidity position with a 238% Liquidity Coverage Ratio.
07Apr 25
Utkarsh Small Finance Bank Reports 23.4% YoY Growth in Total Deposits and 7.5% YoY Growth in Gross Loan Portfolio for Q4 FY25
Utkarsh Small Finance Bank's Q4 FY25 update shows 23.4% YoY growth in total deposits to ₹21,566.00 crore. Gross loan portfolio increased 7.5% YoY to ₹19,666.00 crore. The bank's loan mix shifted significantly, with non-JLG loans growing 45.1% YoY. CASA ratio improved to 21.8%, and the bank maintained a robust LCR of 193%. The X Bucket Collection efficiency for Micro Banking loans was 99.1% in Q4 FY25.
27Feb 25
Utkarsh Small Finance Bank Unveils ₹750 Crore Fundraising Plan Through Equity Issuance
Utkarsh Small Finance Bank (USFB) has approved a plan to raise up to ₹750 crore through the issuance of equity shares. The fundraising will be conducted through various methods including QIP, preferential issue, private placements, and further public offer. The shares will have a face value of ₹10 each. This decision was made by the bank's Board of Directors on February 26, 2025. The plan is subject to shareholder approval via postal ballot and requires regulatory clearances. The funds are expected to support USFB's expansion plans, enhance lending capabilities, and potentially improve financial metrics.
26Feb 25
Utkarsh Small Finance Bank Approves Rs 750 Crore Share Sale Amid Q3 Loss
Utkarsh Small Finance Bank's board has approved a plan to raise up to Rs 750 crore through various share sale methods, including QIP, preferential issue, private placements, and further public offer. This decision comes after the bank reported a net loss of Rs 168 crore in Q3 FY2025, compared to a profit of Rs 116 crore in Q3 FY2024. The capital raise is subject to shareholder and regulatory approvals, with the bank planning to seek shareholder approval through a postal ballot.
24Feb 25
Utkarsh Small Finance Bank to Consider Fresh Equity Issuance Amid Financial Challenges
Utkarsh Small Finance Bank (USFB) will hold a board meeting on February 26, 2025, to discuss issuing new equity shares, subject to regulatory approvals and shareholder consent. This move comes after the bank reported a net loss of ₹168 crore and gross NPAs of ₹1,177 crore in Q3. The bank plans to seek shareholder approval through an EGM or postal ballot. This potential fundraising follows USFB's ₹500 crore IPO in July 2023, highlighting ongoing capital needs in the small finance banking sector.
1 Year Returns:-47.80%