Utkarsh Small Finance Bank Limited has informed the Exchange regarding 'Business Updates for quarter and nine months ended December 31, 2025'.
UTKARSHBNK · price
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Awaiting price reaction for this filing.
Utkarsh Small Finance Bank reported its Q3 FY26 business update. Gross Loan Portfolio stood at ₹18,306 Cr, down 3.9% year-on-year and 1.9% quarter-on-quarter. The JLG (Joint Liability Group) loan portfolio shrank sharply by 34.1% YoY to ₹6,419 Cr, while the Non-JLG portfolio grew 27.5% YoY to ₹11,888 Cr, showing a clear shift in loan mix. Total Deposits rose 4.5% YoY to ₹21,087 Cr, with CASA deposits up 16.1% to ₹4,611 Cr and Retail Term Deposits up 23.8% to ₹12,586 Cr. Bulk Term Deposits fell 35.6% YoY. CASA Ratio improved to 21.9% from 19.7% a year ago, and the CASA + Retail Term Deposits Ratio rose to 81.6% from 70.1%. Collection efficiency in the micro-banking portfolio was strong at 99.1%, and the Liquidity Coverage Ratio stood at a healthy 200%.
Mixed signals for shareholders — improving deposit quality and strong liquidity are positives, but the overall loan book contraction (especially the steep JLG decline) may concern investors about growth and asset quality. Watch the formal Q3 results for clarity on whether the loan shrinkage is strategic or stress-driven.