Q3 FY26 results: Utkarsh SFB reports Rs 375 cr net loss on higher provisions

Net loss reportedRevenue declinedEBITDA margin compressionResults View source PDF Explain this filing

UTKARSHBNK · price

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Price reactionminutes from the announcement price · days from the prior close

-4.5%Reaction day

₹13.64

prior close

₹13.64

announcement price

After-mkt

timing

Nifty Microcap 250market · in no size index; the smallest one is used+3.7%-8.2% vs market

Other Bank peers, median of 8sector+1.4%-5.9% vs sector

On the reaction day the stock moved 8.2 pts less than Nifty Microcap 250 and 5.9 pts less than its Other Bank peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

-2.7

10m

-2.6

15m

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30m

-3.8

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

-4.5+3.7-8.2+1.4-5.9

Next day

-3.3+5.1-8.4+0.9-4.2

+2.2+4.0-1.8+0.9+1.3

+3.3+3.2+0.1+1.9+1.4

+2.6+5.9-3.3+3.3-0.7

+2.4+6.9-4.5+3.6-1.1

+0.8+5.9-5.1+2.6-1.8

15d

+12.8+2.1+10.8-2.1+14.9

-3.4-3.5+0.0-6.0+2.5

-12.2-4.2-7.9-8.5-3.7

+8.4+10.9-2.5+3.8+4.6

UpDownMarket · Nifty Microcap 250Sector · Other Bank peers, median of 8Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

Utkarsh SFB posted a net loss of Rs 375 cr in Q3 FY26 versus profit of Rs 20.73 cr last year. For 9M FY26, net loss widened to Rs 962.96 cr against profit of Rs 756.59 cr, as provisions surged to Rs 1,318.57 cr from Rs 423.20 cr. Total income fell 13 percent to Rs 901.71 cr. Gross NPA rose to 11.05 percent from 6.17 percent, Net NPA to 4.48 percent from 2.50 percent. A Rs 948 cr rights issue was completed in November 2025.

Likely market impact

Sharp jump in NPAs and provisions pushed the bank into a loss; asset quality and profitability remain key concerns for shareholders.