Utkarsh Small Finance Bank Q4 FY26: Net Loss of ₹1,151 Crore
Utkarsh Small Finance Bank reported a net loss of ₹1,151 crore for FY26 and ₹188 crore for Q4 FY26. Total disbursements rose 30.1% YoY to ₹4,207 crore in Q4 FY26. Deposits were stable at ₹21,654 crore. Net NPA improved to 3.3%. The bank aims for 25-30% portfolio growth and ~15% ROE in 2-3 years. Anjani Kumar Srivastava was appointed as Additional Director.
The substantial net loss and shift from profit to loss will likely have a significant impact on investor sentiment and the bank's stock performance.
The bank reported a significant net loss for the financial year and the fourth quarter, which is a negative indicator.
Utkarsh Small Finance Bank Limited has released its investor presentation for the audited financial results for the quarter and financial year ended March 31, 2026. The bank reported a net loss of ₹1,151 crore for FY26, a significant shift from a profit of ₹24 crore in FY25. For the fourth quarter of FY26, the bank also posted a net loss of ₹188 crore, compared to a profit of ₹3 crore in the same period last year.
Total disbursements for Q4 FY26 stood at ₹4,207 crore, a 30.1% year-on-year increase. Gross loan portfolio was ₹19,332 crore, a slight decrease of 1.7% YoY. Total deposits grew by 0.4% YoY to ₹21,654 crore, with CASA deposits increasing by 10.6% and retail term deposits by 19.6%. The CASA ratio improved to 24.0% from 21.8% in the previous year.
Asset quality showed some stabilization, with Net NPA at 3.3% as of March 31, 2026, down from 4.8% in the previous year. Collection efficiency for micro-banking was high, at 99.7% in March 2026. The bank highlighted its strategic focus on growing the retail deposit franchise, expanding its diversified asset mix, and improving operational efficiency through technology and automation. They aim for portfolio growth of 25-30%, Return on Equity of ~15%, Net Interest Margin of ~8%, and a Secured Loans share of ~55% in the next 2-3 years.
Anjani Kumar Srivastava was appointed as an Additional Director effective May 9, 2026. The bank also reported an ESG score of '62-Strong' from ESG Risk Assessments & Insights Limited.
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