)
Visual
earnings real time
Utkarsh Small Finance Bank
Utkarsh Small Finance Bank (UTKARSHBNK) investor relations material
Utkarsh Small Finance Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary2 Feb, 2026
Executive summary
Q3 FY26 marked by recalibration, resilience, and cautious optimism amid regulatory changes, with a net loss of ₹37,501.76 lakh for the quarter and ₹96,296.28 lakh for nine months, compared to a profit in the prior year period.
Strategic focus on stability, quality, and resilience over short-term growth, reflected in a 16% contraction of the JLG portfolio and a 3.9% year-on-year reduction in the gross loan book.
Strong growth in microbanking business loans (MBBL), up 80% year-on-year and 38% quarter-on-quarter, now 19% of the microbanking loan book.
Non-JLG lending, including MSME, housing, and business banking, grew 28% year-on-year, with robust expansion in secured asset classes.
Asset quality initiatives and operational discipline led to improved collection efficiency, but asset quality deteriorated due to microfinance disruptions.
Financial highlights
Net loss of ₹37,501.76 lakh for the quarter and ₹96,296.28 lakh for nine months, mainly due to elevated credit costs and legacy stress.
Gross loan portfolio declined 3.9% year-on-year to ₹18,306 crore; non-JLG loans grew 27.5% year-on-year, while JLG loans fell 34.1% year-on-year.
Total deposits grew 5% year-on-year to ₹21,087 crore, with retail term deposits up 24% and CASA deposits up 16% year-on-year.
CASA plus retail term deposit (RTD) ratio improved to 82% as of December 2025, up from 70% a year ago.
Cost-to-income ratio surged to 110.3% for Q3 FY26; surplus liquidity of ₹4,700 crore and LCR ratio of 207% as of December 2025.
Outlook and guidance
Targeting 25%-30% loan book growth over the next 2-3 years, with secured lending to comprise over 50%.
NIM expected around 8.5% and ROE of 15% by FY 2028; FY 2027 ROE guidance at 10%.
Credit cost guidance: 3%-3.5% for FY 2027, declining to 2.5% by FY 2028.
Cost-to-income ratio expected to decline from 110% to 57% by FY 2028, with no new branches planned.
Board approved draft scheme of amalgamation with Utkarsh Core Invest Limited, pending NCLT approval.
Non-JLG segments' role in 25-30% loan growth
Minimum Tier 1 capital before next raise?
CGFMU coverage impact on provisioning strategy
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- ATS
Q3 revenue up 16.7% and net income surges, with Q4 revenue guided at $710–$750 million. - SWK
Gross margin and net income rose, with CAM divestiture set to reduce debt and boost 2026 outlook. - PMI
FDA-approved artificial heart maker registers 17M shares for resale amid ongoing losses and risks. - ARCC
FY 2025 net income was $1,299M, with a $0.48/share Q1 2026 dividend declared. - BG
2025 delivered solid EBIT and cash flow, with 2026 guidance indicating stable adjusted EPS. - SDST
Development-stage lithium refiner registers shares for resale amid high risk and capital needs. - DAC
Q2 2025 saw revenue growth, high charter coverage, and strong liquidity despite rising costs. - OCSL
Net investment income was $36.7M ($0.42/share) as NAV fell to $16.30 and a $0.40 dividend was declared. - NUWE
Registering 4.28M shares for resale, proceeds from warrant exercises support working capital. - WBD
Board selects Netflix merger for streaming and studios, with Discovery Global to be spun off.
Next Utkarsh Small Finance Bank earnings date
Q4 25/2629 Apr, 2026
Utkarsh Small Finance Bank
Next Utkarsh Small Finance Bank earnings date
Q4 25/2629 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
)
Frequently asked questions
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage