Utkarsh Small Finance Bank Limited has informed the Exchange regarding a press release dated May 09, 2026, titled "the Audited Financial Results for the quarter and Financial Year ended March 31, 2026.".
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Utkarsh Small Finance Bank reported a net loss of Rs 188 crore in Q4 FY26, down 50% from Q3 FY26 loss of Rs 375 crore. For full year FY26, the bank posted a net loss of Rs 1,151 crore versus a profit of Rs 24 crore in FY25. The bank raised Rs 950 crore through a rights issue in November 2025 to strengthen its capital base. Asset quality improved significantly with GNPA declining to 7.7% from 11.0% in Q3 and 9.4% a year ago. Fresh NPA slippages fell sharply to Rs 170 crore in Q4 from Rs 710 crore in Q4 FY25. The bank shifted its portfolio mix toward secured lending, which grew from 43% to 51% of total loans.
The bank swung from profit to a significant loss in FY26 due to MFI sector stress and higher provisions. However, sequential improvement in Q4 and better asset quality metrics suggest the bank is on a recovery path, supported by recent capital raise and strategic pivot to secured lending.