Utkarsh Small Finance Bank Limited has informed the Exchange about Investor Presentation
UTKARSHBNK · price
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Awaiting price reaction for this filing.
Utkarsh Small Finance Bank shared its Q4 FY25 investor presentation, showing total deposits of ₹21,566 crore (up 23.4% year-on-year) with retail term deposits rising 33.5% and CASA up 31.2%. Gross loan portfolio grew 7.5% YoY to ₹19,666 crore, with secured loan share improving to 43% from 34% and continued diversification into MSME, housing, and CV/CE loans. However, asset quality deteriorated sharply — Gross NPAs jumped to 9.4% (from 2.5%) and Net NPAs to 4.84% (from 0.03%), driven by stress in the JLG (microfinance) segment where the portfolio shrank 17% YoY. Profit after tax collapsed 95% YoY to just ₹24 crore for FY25, with Q4 FY25 PAT at only ₹3 crore versus ₹160 crore a year ago. Margins came under pressure, with Q4 NIM at 8.0% (versus 9.4% in Q4 FY24) as cost of funds rose to 8.3% and yield on advances fell to 16.1%.
Sharp asset quality deterioration and near-wipeout of profits are major negatives, while strong deposit growth and steady diversification into secured retail lending are positives. Stock may face pressure on weak Q4 numbers, with investors likely to watch for stabilization in the microfinance book and any improvement in collection efficiency before turning constructive.