Utkarsh Small Finance Bank Share Price

Audio Link of Earning Call Q2 FY 2026-27

• BSE India
• 1 day 2 hours ago

<h3><span style="font-size:16px;"><strong>Utkarsh Small Finance Bank announced Q2FY27 results</strong></span></h3> <p><strong>Financial Highlights:</strong><!--TgQPHd|||[[2,[null,null,1,null,null,null,null,null,null,null,null,null,[351768,null,0]],[],null,1]]--></p> <ul data-complete="true" data-hveid="CAAIChAA" data-processed="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="wiLEJc#NS0kde" jsuid="oRhuee_1c"> <li data-complete="true" data-hveid="CAAIChAB" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="oRhuee_1d">Interest Earned:<!--TgQPHd|||[]--> For Q2FY27<!--TgQPHd|||[]-->, interest earned stood at Rs 90,925.62 lakh, registering an increase of 2.91% QoQ compared to Rs 88,356.30 lakh in Q1FY27<!--TgQPHd|||[]--> and an increase of 8.25% YoY compared to Rs 83,997.05 lakh in Q2FY26<!--TgQPHd|||[]-->. For H1FY27<!--TgQPHd|||[]-->, interest earned reached Rs 1,79,281.92 lakh, marking a YoY growth of 4.18% over Rs 1,72,087.68 lakh in H1FY26<!--TgQPHd|||[]-->.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIChAB" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="oRhuee_1d">Total income:<!--TgQPHd|||[]--> For Q2FY27<!--TgQPHd|||[]-->, total income stood at Rs 1,00,228.06 lakh, reflecting a marginal QoQ decrease of 0.01% from Rs 1,00,237.22 lakh in Q1FY27<!--TgQPHd|||[]--> and a YoY growth of 6.93% compared to Rs 93,731.76 lakh in Q2FY26<!--TgQPHd|||[]-->. For H1FY27<!--TgQPHd|||[]-->, total income reached Rs 2,00,465.28 lakh, an expansion of 2.49% YoY over Rs 1,95,596.90 lakh in H1FY26<!--TgQPHd|||[]-->.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIChAB" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="oRhuee_1d">Profit Before Tax (PBT):<!--TgQPHd|||[]--> For Q2FY27<!--TgQPHd|||[]-->, the bank recorded a loss before tax of Rs 8,064.46 lakh, down 77.58% QoQ relative to a loss of Rs 4,541.47 lakh in Q1FY27<!--TgQPHd|||[]--> and up 82.66% YoY compared to a loss of Rs 46,497.19 lakh in Q2FY26<!--TgQPHd|||[]-->. For H1FY27<!--TgQPHd|||[]-->, PBT stood at a loss of Rs 12,605.93 lakh, indicating a reduction in loss by 83.92% YoY compared to a loss of Rs 78,384.14 lakh in H1FY26<!--TgQPHd|||[]-->.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIChAB" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="oRhuee_1d">Profit After Tax (PAT):<!--TgQPHd|||[]--> For Q2FY27<!--TgQPHd|||[]-->, net loss after tax arrived at Rs 6,985.22 lakh, higher by 105.93% QoQ against a loss of Rs 3,391.97 lakh in Q1FY27<!--TgQPHd|||[]--> but down 79.95% YoY against a loss of Rs 34,846.47 lakh in Q2FY26<!--TgQPHd|||[]-->. For H1FY27<!--TgQPHd|||[]-->, net loss after tax stood at Rs 10,377.19 lakh, showing a reduction in loss by 82.35% YoY relative to a net loss of Rs 58,794.52 lakh in H1FY26<!--TgQPHd|||[]-->.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIChAB" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="oRhuee_1d">Earnings Per Share (EPS):<!--TgQPHd|||[]--> Basic and diluted EPS stood at negative Rs 0.39 for Q2FY27<!--TgQPHd|||[]--> (compared to negative Rs 0.19 in Q1FY27<!--TgQPHd|||[]--> and negative Rs 3.16 in Q2FY26<!--TgQPHd|||[]-->) and negative Rs 0.58 for H1FY27<!--TgQPHd|||[]--> (compared to negative Rs 5.34 in H1FY26<!--TgQPHd|||[]-->).<!--TgQPHd|||[]--><!--TgQPHd|||[]--><br /> <!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <!--TgQPHd|||[]--> </ul> <p><!--TgQPHd|||[]--></p> <p><strong>Business Highlights & Segment Performance:</strong><br /> <!--TgQPHd|||[]--></p> <ul data-complete="true" data-hveid="CAAIChAA" data-processed="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="wiLEJc#NS0kde" jsuid="oRhuee_1c"> <li data-complete="true" data-hveid="CAAIChAB" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="oRhuee_1d"><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="oRhuee_3p">Retail Banking:<!--TgQPHd|||[]--></strong> Segment revenue reached Rs 77,445.00 lakh in Q2FY27<!--TgQPHd|||[]-->, showing a minimal growth of 0.07% QoQ from Rs 77,392.74 lakh in Q1FY27<!--TgQPHd|||[]--> and an increase of 5.41% YoY over Rs 73,473.68 lakh in Q2FY26<!--TgQPHd|||[]-->. For H1FY27<!--TgQPHd|||[]-->, retail segment revenue accumulated to Rs 1,54,837.74 lakh compared to Rs 1,52,904.88 lakh in H1FY26<!--TgQPHd|||[]-->. Segment results for Q2FY27<!--TgQPHd|||[]--> stood at a loss of Rs 4,385.83 lakh.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIChAB" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="oRhuee_1d"><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="oRhuee_3y">Wholesale Banking:<!--TgQPHd|||[]--></strong> Segment revenue rose to Rs 9,834.26 lakh in Q2FY27<!--TgQPHd|||[]-->, recording a growth of 6.04% QoQ from Rs 9,274.49 lakh in Q1FY27<!--TgQPHd|||[]--> and a growth of 28.58% YoY from Rs 7,648.43 lakh in Q2FY26<!--TgQPHd|||[]-->. For H1FY27<!--TgQPHd|||[]-->, wholesale segment revenue reached Rs 19,108.75 lakh over Rs 14,060.92 lakh in H1FY26<!--TgQPHd|||[]-->. Segment results for Q2FY27<!--TgQPHd|||[]--> generated a profit of Rs 1,288.86 lakh.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIChAB" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="oRhuee_1d"><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="oRhuee_47">Treasury:<!--TgQPHd|||[]--></strong> Segment revenue stood at Rs 12,948.80 lakh in Q2FY27<!--TgQPHd|||[]-->, versus Rs 13,569.99 lakh in Q1FY27<!--TgQPHd|||[]--> and Rs 12,609.65 lakh in Q2FY26<!--TgQPHd|||[]-->. For H1FY27<!--TgQPHd|||[]-->, treasury segment revenue was Rs 26,518.79 lakh compared to Rs 28,631.10 lakh in H1FY26<!--TgQPHd|||[]-->. Segment results for Q2FY27<!--TgQPHd|||[]--> came in at a loss of Rs 4,967.49 lakh.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIChAB" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="oRhuee_1d"><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="oRhuee_4g">Asset Quality and Provisioning Changes:<!--TgQPHd|||[]--></strong> Eligible guarantee cover under the Credit Guarantee Fund for Micro Units (CGFMU) was integrated into the banking provisions assessment, reducing the required provisions for non-performing advances by Rs 2,921.00 lakh for the quarter and Rs 10,582.85 lakh for the half-year. Leave policy modifications also resulted in a reversal of accumulated leave provisions by Rs 2,561.47 lakh.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIChAB" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="oRhuee_1d"><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="oRhuee_4j">Stressed Loan Portfolios Transfer:<!--TgQPHd|||[]--></strong> During the half-year period, the bank transferred aggregate principal outstanding stressed loans worth Rs 72,681.81 lakh to ARCs for a consideration of Rs 14,954.23 lakh and Rs 7,512.65 lakh to NBFCs for a total consideration of Rs 1,550.00 lakh.</li> </ul> <p><strong>Govind Singh, MD & CEO, Utkarsh Small Finance Bank, said:</strong> “During the quarter, disbursements across both JLG and non-JLG segments increased by 55% YoY, supported by disciplined underwriting and portfolio monitoring. Asset quality trends continued to improve, with JLG X-bucket collection efficiency remaining strong at 99.6%, SMA pools declining, and fresh NPA slippages (net of recoveries and upgradations) reducing to ~Rs 175 crore from ~Rs <span data-complete="true" data-hveid="CAAIChAB" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="oRhuee_1d">415</span> crore in Q2FY26. Consequently, GNPA* improved by ~630 bps YoY to 5.9%. These outcomes reflect the combined impact of focused field execution, targeted collection initiatives and structural interventions implemented across the franchise. A central strategic priority has been structural de-risking of unsecured exposure and a deliberate pivot towards secured, lower-risk portfolios. As a result, secured assets now constitute 52% of the gross loan portfolio. Within micro-banking, the MBBL portfolio grew 146% YoY and now accounts for over 35% of the segment. At the same time, sustained growth in MSME, Housing, BBG, Gold Loans, and other businesses has further strengthened portfolio diversification and balance sheet quality. On the liabilities side, deposits grew by 7% YoY, supported by 14% growth in CASA and 12% growth in retail term deposits, improving the CASA plus Retail TD ratio to 82% from 78% a year ago. Supported by deposit repricing initiatives, cost of funds declined by ~50 bps YoY to 7.4% in H1FY27, providing support to margin stability. Backed by ongoing investments under the Utkarsh 2.0 technology transformation project which is enabling greater automation, digital underwriting and 360-degree portfolio monitoring capabilities, alongside a capital adequacy ratio of 17% which includes Rs 300 crore raised through NCDs in September 2026, the Bank remains well-positioned to drive sustainable growth, improve profitability, and create long-term value for all stakeholders.”</p> <p><a class="lb" href="/get-document/post/pdf/5927764/" target="_blank">Result PDF</a></p>

• Trendlyne
• 1 day 5 hours ago

Newspaper Publication on Unaudited Financial Results for thr quarter and half year ended September 30, 2026

• BSE India
• 1 day 9 hours ago