Utkarsh Small Finance Bank Q3FY26 Investor Presentation Released
Utkarsh Small Finance Bank's Q3 FY26 investor presentation shows Gross Loan Portfolio at ₹18,306 crore (-3.9% YoY) and Total Deposits at ₹21,087 crore (+4.5% YoY). Retail Term Deposits grew 27.5% YoY to ₹11,888 crore. The bank reported a PAT loss of ₹375 crore for Q3 FY26, compared to a ₹168 crore loss in Q3 FY25. Total branches increased to 1,105.
The substantial increase in net loss and the decline in operating profit are material financial events that will likely have a significant impact on investor perception and the bank's stock performance.
The bank reported a significant increase in losses for both the quarter and the nine-month period, coupled with a decrease in operating income and pre-provisioning operating profit, indicating a negative financial performance.
Utkarsh Small Finance Bank Limited has released its Investor Presentation for the quarter and nine months ended December 31, 2025. The presentation, available on the bank's website, provides a detailed overview of the bank's financial performance and operational highlights.
Key financial metrics for Q3 FY26 show a Gross Loan Portfolio of ₹18,306 crore, a decrease of 3.9% YoY. Total Deposits stood at ₹21,087 crore, an increase of 4.5% YoY, with CASA Deposits growing by 23.8% YoY to ₹4,611 crore and Retail Term Deposits increasing by 27.5% YoY to ₹11,888 crore. The CASA ratio was 21.9% and the CASA + Retail Term Deposits ratio was 81.6%.
Operating Income for the quarter was ₹429 crore, a decrease of 27% YoY. Profit After Tax (PAT) for Q3 FY26 was a loss of ₹375 crore, compared to a loss of ₹168 crore in Q3 FY25. For the nine months ended December 31, 2025, PAT was a loss of ₹963 crore, compared to a profit of ₹21 crore in the same period last year. The bank experienced a loss of ₹44 crore in Pre-provisioning Operating Profit for Q3 FY26, compared to a profit of ₹185 crore in Q3 FY25.
The bank's total branches reached 1,105, with a significant presence in rural and semi-urban areas. The loan portfolio is evolving, with a growing share of secured lending. The bank is focusing on technology, ESG initiatives, and customer service to drive sustainable business growth.
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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 high impact, which is the band that most often changes something.
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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.