Utkarsh Small Finance Bank to hold 9th AGM on Aug 22, 2025; reports FY25 financials with robust deposit & loan growth
The announcement includes comprehensive full-year financial results, key operational metrics, credit ratings, and future strategic direction, including capital raising plans and the aspiration to become a universal bank, which are all highly material for investors and stakeholders.
Despite a lower PAT due to provisioning, the bank reported strong growth in deposits (23% YoY) and loans (7% YoY), improved CASA ratio, strengthened secured loan portfolio, and maintained a high capital adequacy. The management expressed optimism and outlined clear strategic plans for future growth and capital raising.
Utkarsh Small Finance Bank Limited announced that its Ninth (9th) Annual General Meeting (AGM) will be held on Friday, August 22, 2025, at 02:30 p.m. (IST) via Video Conferencing/Other Audio Visual Means. The Bank also released its Annual Report for the financial year 2024-25, highlighting key performance indicators and strategic initiatives:
* For FY2024-25, the Bank reported a total revenue of ₹4,364.76 Crore and a Profit After Tax (PAT) of ₹23.70 Crore, impacted by provisioning in micro-banking. Cash profit stood at ₹869.75 Crore. * The gross loan portfolio increased by 7% year-on-year (YoY) to ₹19,665.59 Crore. The secured loan portfolio share grew to 43% from 34% in FY2023-24. * Total deposits grew by 23% YoY to ₹21,565.70 Crore, surpassing the ₹20,000 Crore milestone. Retail term deposits grew 33% YoY, and CASA (Current Account Savings Account) deposits increased by 31% YoY, improving the CASA ratio to 21.8% as of March 2025. * The Bank's customer base reached 4.99 Million (49.9 lakh), and its network expanded to 1,092 outlets across 27 States and Union Territories, crossing the 1,000 outlets milestone. * The Capital Adequacy Ratio stood at 20.93%, well above regulatory norms. The Credit-Deposit (CD) ratio reduced to 87% in March 2025 from 94% in March 2024. * As of March 31, 2025, the Bank's Certificate of Deposit program held the highest short-term credit rating of A1+ from ICRA Limited, with the long-term credit rating reaffirmed at A+ (Stable) by ICRA and CARE Ratings. * Management Outlook: The Bank navigated FY2024-25 with agility despite market challenges and stress in the MFI segment, proactively adapting to RBI's regulatory changes and strengthening internal controls. The management is bullish on future opportunities, aiming for "Scale with Purpose" and to "Build a Future-Ready Bank" by investing in digital capabilities and risk management. The Bank plans to raise Tier I capital up to ₹750 Crore and is laying the foundation for a potential transition into a Universal Bank.
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