Utkarsh Small Finance Bank Q4 FY26 Results: Net Loss Of ₹188 Crore

Utkarsh Small Finance Bank reported a net loss of ₹188 crore in Q4 FY26, which was lower than the ₹375 crore loss reported in Q3 FY26. The bank said disbursements improved during the March quarter, while asset quality also showed improvement sequentially.

On 11 May 2026 (at 02:38 pm), Utkarsh Small Finance Bank’s share price decreased by 7.42% to reach ₹14.34 on the National Stock ​‍​‌‍​‍‌Exchange.

Performance Snapshot

The bank’s gross loan portfolio stood at ₹19,332 crore as of 31 March 2026, while total deposits increased to ₹21,654 crore, up 2.7% quarter-on-quarter (QoQ). The current and savings accounts (CASA) ratio improved to 24% from 22% in the December quarter. Retail term deposits rose 19.6% year-on-year (YoY) to ₹12,720 crore, while CASA deposits increased 10.6% YoY to ₹5,196 crore.

During Q4 FY26, total disbursements grew 46.1% QoQ. Joint Liability Group (JLG) disbursements increased 58.2% QoQ, while non-JLG disbursements grew 40.6% QoQ. On the asset quality front, gross non-performing assets (GNPA) improved to 7.7% from 11.0% in Q3 FY26. Net NPAs declined to 3.3% from 4.5% sequentially.

The bank’s capital adequacy ratio (CRAR) stood at 17.71%, above the regulatory requirement of 15%, while Tier-1 capital ratio was at 14.98%. In November 2025, the bank had raised ₹950 crore through a rights issue to strengthen its capital base.

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For the full financial year FY26, Utkarsh Small Finance Bank reported a net loss of ₹1,151 crore compared to a profit after tax of ₹24 crore in FY25. The bank currently operates through 1,110 branches across 27 states and union territories.

Source:

Company Press Release