Utkarsh Small Finance Bank quarterly results and financials

Utkarsh Small Finance Bank (UTKARSHBNK)₹11.98+1.18%(9 Nov 2026 close)Other Bank

Key facts

In the Jun 2026 quarter (standalone), Utkarsh Small Finance Bank reported revenue of ₹883 Cr, up 0.3% from Jun 2025, and net profit of −₹34.08 Cr. For the year to Mar 2026, revenue were ₹3,374 Cr and net profit −₹1,154 Cr.

Revenue (Jun 2026): ₹883 Cr
Net profit (Jun 2026): −₹34.08 Cr
Revenue (FY Mar 2026): ₹3,374 Cr
Net profit (FY Mar 2026): −₹1,154 Cr
EPS (Jun 2026): ₹−0.18
Borrowings (Mar 2026): ₹2,835 Cr

Company filings, standalone accounts; latest reported quarter Jun 2026

Utkarsh Small Finance Bank quarterly results

₹ crore unless stated; each column is a quarter.

Utkarsh Small Finance Bank Quarterly results
	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	755	805	895	965	986	931	878	880	839	821	836	883
Interest	316	325	357	394	430	453	469	481	492	474	462	462
Net interest income	439	480	538	571	556	478	409	399	347	346	373	420
Expenses	392	413	452	492	593	825	687	858	913	921	724	587
Financing Profit	49.11	69.26	88.30	82.25	−35.13	−344	−277	−458	−564	−573	−348	−165
Financing Margin %	7.0%	9.0%	10.0%	8.0%	−4.0%	−37.0%	−31.0%	−52.0%	−67.1%	−70.0%	−42.0%	−19.0%
Other Income	105	83.34	121	105	103	105	288	138	97.34	81.34	115	119
Profit before tax	155	152	209	187	68.21	−239	11.03	−320	−467	−493	−233	−45.12
Tax %	26.0%	24.0%	23.0%	26.0%	24.0%	−29.0%	74.0%	−25.0%	−25.0%	−24.0%	−19.0%	−25.0%
Net Profit	114	116	160	137	51.13	−168	3.01	−240	−349	−376	−189	−34.08
EPS (Rs)	0.64	0.64	0.89	0.76	0.28	−0.93	0.01	−1.34	−1.95	−2.10	−1.05	−0.18
Gross NPA %	2.8%	3.0%	2.5%	2.8%	3.9%	6.2%	9.4%	11.4%	12.4%	11.1%	7.7%	6.1%
Net NPA %	0.2%	0.2%	0.0%	0.3%	0.9%	2.5%	4.8%	5.0%	5.0%	4.5%	3.3%	2.9%
Provision coverage (approx., excl. write-offs) %	94.3%	93.8%	98.8%	90.7%	77.1%	59.5%	48.7%	56.2%	59.6%	59.5%	57.3%	53.0%

Utkarsh Small Finance Bank profit and loss

₹ crore unless stated; years end in March. TTM is the last four quarters.

Utkarsh Small Finance Bank Profit and loss
	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	518	880	1,307	1,578	1,846	2,500	3,175	3,757	3,374	3,378
Interest	252	383	580	744	790	979	1,297	1,746	1,907	1,890
Net interest income	266	497	727	834	1,056	1,521	1,878	2,012	1,467	1,487
Expenses	374	392	551	783	1,126	1,234	1,561	2,517	3,339	3,145
Financing Profit	−106	107	178	56.14	−64.15	296	325	−498	−1,867	−1,650
Financing Margin %	−20.0%	12.0%	14.0%	4.0%	−3.0%	12.0%	10.0%	−13.0%	−55.0%	−48.8%
Other Income	43.15	58.20	99.35	125	186	300	402	602	432	413
Depreciation	0.00	16.01	25.02	30.05	41.04	59.03	65.12	77.12	77.09	0.00
Profit before tax	−63.21	150	251	152	80.30	538	661	28.07	−1,512	−1,238
Tax %	0.0%	37.0%	25.0%	26.0%	23.0%	25.0%	25.0%	14.0%	−24.0%	—
Net Profit	−63.16	94.32	187	112	61.21	405	499	24.08	−1,154	−948
EPS (Rs)	−0.82	0.78	1.51	0.81	0.41	2.79	2.79	0.12	−6.46	−5.28
Dividend payout %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	11.0%	0.0%	0.0%	—

Utkarsh Small Finance Bank balance sheet

₹ crore, at each year end.

Utkarsh Small Finance Bank Balance sheet
	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	471	739	761	851	898	898	1,102	1,105	1,784
Reserves	−57.90	36.14	261	522	680	1,108	1,882	1,881	1,000
Deposits	2,197	3,948	5,246	7,525	10,089	13,726	17,520	21,607	21,681
Borrowings	1,794	1,284	2,683	2,616	2,579	2,354	2,002	2,361	2,835
Other Liabilities	130	246	477	657	849	1,062	1,469	1,238	1,618
Total Liabilities	4,534	6,253	9,429	12,171	15,094	19,149	23,974	28,190	28,918
Fixed Assets	87.13	87.03	110	125	286	301	301	324	333
CWIP	0.00	3.01	22.07	56.16	1.01	2.01	10.02	63.16	125
Investments	661	862	1,192	2,315	2,349	2,861	3,683	4,961	6,922
Other Assets	3,785	5,301	8,105	9,675	12,458	15,984	19,979	22,842	21,537
Cash & equivalents	206	134	150	212	1,716	1,046	1,169	2,562	1,593
Total Assets	4,534	6,253	9,429	12,171	15,094	19,149	23,974	28,190	28,918

Utkarsh Small Finance Bank cash flow

₹ crore, for each year.

Utkarsh Small Finance Bank Cash flow
	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	211	115	−83.03	1,330	1,575	992	876	782
Cash from investing activity	−170	−321	−530	−737	−691	−618	−774	−3,296
Cash from financing activity	−91.98	1,304	172	111	−235	140	310	1,412
Net cash flow	−52.08	1,099	−445	703	646	512	409	−1,117
Capex	30.94	45.93	78.92	147	75.87	69.87	159	149
Free cash flow	194	69.77	−162	1,179	1,493	918	716	636
CFO / OP %	44.1%	27.0%	2.0%	191.1%	129.1%	65.1%	61.0%	1,876.1%

Utkarsh Small Finance Bank ratios

Working-capital days and returns, by year.

Utkarsh Small Finance Bank Ratios
	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	−15.0%	16.0%	21.0%	9.0%	4.0%	23.0%	20.0%	1.0%	−40.0%

Utkarsh Small Finance Bank: frequently asked questions

What are the latest quarterly results of Utkarsh Small Finance Bank?

For the Jun 2026 quarter, Utkarsh Small Finance Bank reported revenue of ₹883 Cr, up 0.3% year on year and net profit of −₹34.08 Cr.

What is the annual revenue of Utkarsh Small Finance Bank?

Utkarsh Small Finance Bank's revenue for the year to Mar 2026 were ₹3,374 Cr; over the last twelve months they were ₹3,378 Cr.

What is the net profit of Utkarsh Small Finance Bank?

Net profit for the year to Mar 2026 was −₹1,154 Cr, and −₹948 Cr over the last twelve months. Earnings per share over the same trailing period were ₹−5.28.

What is the free cash flow of Utkarsh Small Finance Bank?

Cash from operations was ₹782 Cr in the year to Mar 2026; after capital spending, free cash flow was ₹636 Cr.

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