Utkarsh SFB Q1 FY27: Disbursements Surge 48.5%, Gross Loan Portfolio Grows 2%
Utkarsh Small Finance Bank reported Q1 FY27 provisional results. Total disbursements increased 48.5% YoY to ₹3,370 crore. Gross loan portfolio grew 2.0% YoY to ₹19,612 crore. Total deposits rose 2.6% YoY to ₹22,053 crore. CASA deposits increased 15.1% YoY to ₹4,867 crore. LCR stood at 223%.
The announcement provides key financial and operational metrics for the quarter, which are important for investors to assess the bank's performance and growth trajectory. The positive growth figures suggest a moderate impact on investor sentiment.
The bank reported significant year-on-year growth in key metrics like disbursements and loan portfolio, alongside a healthy increase in deposits and a strong liquidity coverage ratio, indicating positive business momentum.
Utkarsh Small Finance Bank Limited has reported its provisional business updates for the quarter ended June 30, 2026 (Q1 FY27). The bank registered a significant year-on-year increase in total disbursements, which grew by 48.5% to ₹3,370 crore, compared to ₹2,269 crore in Q1 FY26. Non-JLG disbursements saw a substantial rise of 92.9% to ₹2,180 crore.
Gross loan portfolio expanded by 2.0% year-on-year to ₹19,612 crore as of June 30, 2026, up from ₹19,224 crore in the same period last year. The Non-JLG loan portfolio also grew by 32.7% to ₹14,132 crore. Consequently, the portfolio mix shifted, with JLG and Non-JLG loans comprising 28% and 72% respectively, compared to 45% and 55% in Q1 FY26. The MB: Non-MB ratio stood at 37:63, and the Secured: Unsecured ratio was 51:49.
Total deposits increased by 2.6% to ₹22,053 crore from ₹21,489 crore in Q1 FY26. CASA deposits rose by 15.1% to ₹4,867 crore, while retail term deposits grew by 14.7% to ₹13,393 crore. Bulk term deposits, however, saw a decrease of 32.1% to ₹3,794 crore.
The CASA ratio improved to 22.1% from 19.7% in the prior year, and the CASA + Retail Term Deposits Ratio stood at 82.8%, up from 74.0%. Micro-banking collection efficiency remained strong at 99.63%, with the SMA Pool percentage at 1.20% as of June 30, 2026.
The bank's Liquidity Coverage Ratio (LCR) was robust at 223% as of June 30, 2026. The information for Q1 FY27 is provisional and subject to review by the Joint Statutory Auditors, Audit Committee, and Board of Directors. The disclosure will also be available on the bank's website.
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