Utkarsh Small Finance Bank Q1 FY27 Investor Presentation Released
Utkarsh Small Finance Bank released its Q1 FY27 investor presentation. Key financials include a ₹28,418 crore balance sheet, GNPA at 5.9%, and NNPA at 2.8%. CASA ratio improved to 22% and CASA+Retail TD to 83%. The bank targets 25-30% portfolio growth and ~15% ROE by FY28.
The investor presentation provides a comprehensive update on the bank's financial performance and strategic direction, which is material information for investors. The improvements in asset quality and deposit growth are significant.
The announcement details positive improvements in asset quality (lower GNPA/NNPA), growth in CASA deposits, and strategic expansion, indicating a positive outlook for the bank.
Utkarsh Small Finance Bank Limited has released its Investor Presentation for the quarter ended June 30, 2026. The presentation, submitted to BSE Limited and the National Stock Exchange of India, provides a detailed overview of the bank's unaudited financial results and performance snapshot for Q1 FY27.
Key highlights from the Q1 FY27 performance include a Balance Sheet size of ₹28,418 crore, borrowings of ₹1,845 crore, and a Book Value per Share of ₹15.4. The Gross Non-Performing Assets (GNPA) improved to 5.9% from 7.6% in March 2026 and 11.4% in June 2025, while Net Non-Performing Assets (NNPA) stood at 2.8% compared to 3.2% in March 2026 and 5.0% in June 2025. The bank's CASA percentage increased to 22% from 20% in June 2025, and CASA+Retail Term Deposits (TD) percentage rose to 83% from 74% in June 2025. The Net Interest Margin (NIM) was reported at 7.6% for Q1 FY27.
The bank's loan portfolio grew, with Gross Loan Portfolio at ₹19,610 crore. Secured loans now constitute 51% of the portfolio, a significant de-risking strategy. Total Deposits grew to ₹22,054 crore, with CASA deposits showing a 15.1% YoY growth and Retail Term Deposits growing by 14.7% YoY. The bank operates with 1,110 banking outlets across 27 states and UTs, employing 18,136 people.
Profitability metrics show a Profit Before Provision and Contingencies (PPoP) of ₹64 crore and a Profit After Tax (PAT) of ₹34 crore for Q1 FY27. The bank aims for a portfolio growth of 25-30% and a Return on Equity of ~15% by FY28, with a target Net Interest Margin of ~8% and Secured Loans making up ~55% of the portfolio.
What to do with a filing like this
Utkarsh Small Finance Bank Limited filed this with the NSE as a statutory disclosure, categorised under investor presentation. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by Utkarsh Small Finance Bank Limited. Read the original for the full detail.