Utkarsh Small Finance Bank Limited has informed the Exchange regarding 'Business Updates for quarter ended June 30, 2025'.
UTKARSHBNK · price
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Utkarsh Small Finance Bank reported its Q1 FY26 business update. Gross Loan Portfolio stood at ₹19,224 Cr, up 2.3% from the previous quarter but down 2.2% year-on-year. The bank is actively shifting its mix away from JLG (microfinance) loans, which fell 23.1% QoQ to ₹8,578 Cr, toward Non-JLG loans that grew strongly by 39.4% QoQ to ₹10,647 Cr. Total Deposits rose 18.3% QoQ to ₹21,489 Cr, supported by a 33.7% jump in Retail Term Deposits to ₹11,675 Cr and 22.1% growth in CASA Deposits. CASA ratio improved to 19.6% (from 19.0% QoQ). Collection efficiency in micro-banking was healthy at 98.7%, and Liquidity Coverage Ratio stood at a strong 238%. Figures are provisional and subject to audit review.
Positive signals on the deposit side (strong growth, improving CASA) and strong liquidity buffer support stability, but the continued shrinkage of JLG portfolio and YoY decline in overall loans may concern investors about growth pace and asset quality risks in the microfinance book.