Utkarsh SFB Q4 FY26 Disbursements Up 30.1% YoY to ₹4,207 Cr; Gross Loan Portfolio at ₹19,333 Cr
Utkarsh Small Finance Bank reported provisional Q4 FY26 business updates. Total disbursements rose 30.1% YoY to ₹4,207 crore. Gross loan portfolio was ₹19,333 crore, down 1.7% YoY. Total deposits stood at ₹21,654 crore, up 0.4% YoY. CASA ratio improved to 24.0%. LCR was 177%.
The update provides key business metrics and asset quality indicators, which are important for investors and stakeholders to assess the bank's performance and financial health. The growth in disbursements and deposits indicates positive business momentum.
The bank has shown significant year-on-year growth in disbursements and sequential growth in its loan portfolio. Key ratios like CASA and LCR have improved, and asset quality metrics are strong.
Utkarsh Small Finance Bank Limited has reported its provisional business updates for the quarter and year ended March 31, 2026. Total disbursements for Q4 FY26 stood at ₹4,207 crore, marking a significant year-on-year increase of 30.1% from ₹3,235 crore in Q4 FY25. Sequentially, disbursements grew by 46.1% from ₹2,880 crore in Q3 FY26.
JLG disbursements saw a modest year-on-year growth of 2.0% to ₹1,425 crore, but a substantial sequential increase of 58.2% from ₹901 crore. Non-JLG disbursements demonstrated strong growth, rising 51.4% year-on-year to ₹2,782 crore and 40.6% sequentially from ₹1,979 crore.
The Gross Loan Portfolio was ₹19,333 crore as of March 31, 2026, a slight decrease of 1.7% year-on-year from ₹19,666 crore, but an increase of 5.6% sequentially from ₹18,306 crore. The JLG loan portfolio decreased by 37.1% year-on-year to ₹5,789 crore, while the Non-JLG loan portfolio grew by 29.5% year-on-year to ₹13,544 crore. The portfolio mix shifted towards Non-JLG, with JLG constituting 30% and Non-JLG 70% in Q4 FY26, compared to 47% and 53% respectively in Q4 FY25. The Secured to Unsecured loan ratio stood at 51:49.
Total Deposits grew by a marginal 0.4% year-on-year to ₹21,654 crore, with CASA deposits increasing by 10.6% to ₹5,196 crore. Retail Term Deposits also saw a healthy increase of 19.6% to ₹12,720 crore. Bulk Term Deposits, however, decreased by 40.0% year-on-year to ₹3,738 crore.
The CASA Ratio improved to 24.0% from 21.8% in the previous year. The CASA + Retail Term Deposits Ratio stood at 82.7%, up from 71.1% in Q4 FY25.
Asset quality metrics showed improvement, with X Bucket Collection Efficiency at 99.7% and the SMA Pool decreasing to 1.3% from 3.2% in the previous quarter. The Liquidity Coverage Ratio (LCR) was strong at 177% as of March 31, 2026.
This information is provisional and subject to audit.
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