Utkarsh Small Finance Bank Limited has informed the Exchange about Provisional Business Updates for the quarter and year ended March 31, 2026 (Un-audited)
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Utkarsh Small Finance Bank reported strong growth in disbursements for Q4 FY26, with total disbursements rising 30.1% YoY to ₹4,207 crore and 46.1% QoQ. The Gross Loan Portfolio stood at ₹19,333 crore, slightly down 1.7% YoY but up 5.6% QoQ. The bank saw a significant shift in portfolio mix, with JLG (Joint Liability Group) loans declining 37.1% YoY while Non-JLG loans grew 29.5% YoY. On the deposits side, total deposits were ₹21,654 crore with Retail Term Deposits growing 19.6% YoY to ₹12,720 crore, while Bulk Term Deposits fell 40% YoY. Asset quality improved with X Bucket Collection Efficiency at 99.7% and SMA Pool reduced to 1.3%. The CASA Ratio improved to 24% and Liquidity Coverage Ratio stood at 177%.
The strong disbursement growth and improving deposit mix (higher retail deposits, lower bulk deposits) indicate healthy business momentum. However, the sharp decline in JLG portfolio may raise concerns about the bank's micro-banking segment strategy. The improved asset quality metrics are positive for credit quality.