उत्कर्ष स्मॉल फायनान्स बँक शेअर किंमत

मायक्रोफायनान्स संस्था कंपनी उत्कर्ष स्मॉल फायनान्स बँकेने Q4FY26 आणि आर्थिक वर्ष 26 चे परिणाम स्टँडअलोन फायनान्शियल हायलाईट्सची घोषणा केली: एकूण उत्पन्न (कमवलेले इंटरेस्ट + इतर उत्पन्न): Q4FY26 साठी, एकूण उत्पन्न ₹95,207.02 लाख होते, जे Q3FY26 मध्ये ₹90,170.77 लाखांपासून 5.58% Q ची वाढ दर्शविते, परंतु Q4FY25 मध्ये ₹1,16,673.30 लाखांच्या तुलनेत 18.39% YoY ची घट. संपूर्ण वर्ष FY26 साठी, आर्थिक वर्ष 25 मध्ये ₹4,36,476.03 लाखांच्या तुलनेत एकूण उत्पन्न ₹3,80,974.69 लाख होते, 12.72% ची घट. निव्वळ नफा/नुकसान: बँकेने Q4FY26 साठी ₹18,801.56 लाखांचे निव्वळ नुकसान नोंदवले. हे Q3FY26 मध्ये ₹ 37,501.76 लाखांच्या नुकसानीच्या तुलनेत QoQ आधारावर नुकसानात 49.86% कपात दर्शविते. मागील वर्षाच्या (Q4FY25) संबंधित तिमाहीत, बँकेचा निव्वळ नफा ₹ 296.73 लाख होता. संपूर्ण वर्ष FY26 साठी, बँकने FY25 मध्ये ₹2,370.05 लाख (अंदाजे ₹24 कोटी) च्या निव्वळ नफ्याच्या तुलनेत ₹1,15,097.84 लाख (अंदाजे ₹1,151 कोटी) चे निव्वळ नुकसान नोंदवले. ॲसेट गुणवत्ता: एकूण एनपीए (जीएनपीए) गुणोत्तर Q4FY26 मध्ये 7.71% पर्यंत सुधारित Q3FY26 मधील 11.05% आणि Q4FY25 मध्ये 9.43%. नेट एनपीए (एनपीए) रेशिओ Q3FY26 मधील 4.48% आणि Q4FY25 मध्ये 4.84% पासून Q4FY26 मध्ये 3.29% पर्यंत सुधारला. भांडवली पर्याप्तता: मार्च 31, 2025 पर्यंत 20.93% च्या तुलनेत मार्च 31, 2026 पर्यंत भांडवली पर्याप्तता गुणोत्तर (सीआरएआर) 17.71% होता. टियर 1 कॅपिटल 14.98% होते. मुख्य रेशिओ: मार्च 31, 2025 पर्यंत 21.8% च्या तुलनेत मार्च 31, 2026 पर्यंत सीएएसए रेशिओ 24.0% होता. डिपॉझिटचा खर्च (सीडी रेशिओ) मार्च 31, 2026 पर्यंत 83.4% होता, वर्सिज मार्च 31, 2025 पर्यंत 86.8%. बिझनेस हायलाईट्स: डिस्बर्समेंट: Q4FY26 मध्ये एकूण डिस्बर्समेंट 46.1% QoQ ने वाढले. जेएलजी (जॉईंट लायबिलिटी ग्रुप) वितरण 58.2% QoQ ने वाढले आणि नॉन-जेएलजी वितरण 40.6% QoQ ने वाढले. लोन पोर्टफोलिओ: एकूण लोन पोर्टफोलिओ 5.6% Q ने वाढून ₹ 19,332 कोटी झाला. मार्च 31, 2025 पर्यंत 43% पासून मार्च 31, 2026 पर्यंत एकूण पोर्टफोलिओमध्ये सिक्युअर्ड लेंडिंगचा शेअर 51% पर्यंत वाढला. डिपॉझिट: मार्च 31, 2026 पर्यंत एकूण डिपॉझिट ₹21,654 कोटी पर्यंत वाढले, 0.4% YoY आणि 2.7% Q. रिटेल टर्म डिपॉझिट 19.6% YoY ते ₹12,720 कोटी पर्यंत वाढले, तर CASA डिपॉझिट 10.6% YoY ने वाढून ₹5,196 कोटी झाले. नेटवर्क उपस्थिती: 1,110 शाखांच्या नेटवर्कद्वारे 27 राज्ये आणि केंद्रशासित प्रदेशांमध्ये बँकेची उपस्थिती आहे. कॅपिटल इन्फ्युजन: बँकेने टियर-1 कॅपिटल बेस वाढविण्यासाठी नोव्हेंबर 2025 मध्ये राईट्स इश्यूद्वारे एकूण ₹950 कोटी इक्विटी कॅपिटल यशस्वीरित्या उभारले. सेगमेंट-निहाय परफॉर्मन्स (वार्षिक आर्थिक वर्ष 26): रिटेल बँकिंग: ₹ 2,94,825.78 लाखांचे रिपोर्ट केलेले सेगमेंटल महसूल आणि ₹ 1,46,529.76 लाखांचे सेगमेंटल नुकसान. घाऊक बँकिंग: ₹ 28,934.80 लाखांचा नोंदणीकृत विभागीय महसूल आणि ₹ 2,449.50 लाखांचा विभागीय नफा. ट्रेझरी: ₹ 57,214.11 लाखांचा रिपोर्ट केलेला सेगमेंटल महसूल आणि ₹ 6,581.10 लाखांचे सेगमेंटल नुकसान. उत्कर्ष स्मॉल फायनान्स बँकचे एमडी आणि सीईओ गोविंद सिंह म्हणाले: "Q4FY26 हे बँकेसाठी धोरणात्मक पुनर्प्राप्तीचा निर्णायक तिमाही होता, जे पोर्टफोलिओ गुणवत्ता, सुरक्षित ॲसेट विस्तार आणि कार्यात्मक मजबूतीकडे अनुशासित बदलामुळे चिन्हांकित होते. उर्वरित एमएफआय तणावामुळे ऑपरेटिंग वातावरणावर प्रभाव पडला; तथापि, दीर्घकालीन लवचिकतेच्या उद्देशाने केंद्रित अंमलबजावणी आणि संरचनात्मक हस्तक्षेपांद्वारे बँकने स्थिर प्रगती दर्शविली. तिमाहीत, कठोर अंडररायटिंग, मजबूत कलेक्शन आणि पोर्टफोलिओ मिक्सच्या उद्देशपूर्ण रिबॅलन्सिंगवर लक्ष केंद्रित करून बँक वेगाने स्थिरतेला प्राधान्य देत राहिली. या कृतींमुळे मूर्त ग्रीन शूट्स निर्माण झाले: जेएलजी आणि नॉन-जेएलजी दोन्ही विभागांमध्ये डिस्बर्समेंट मध्ये सुधारणा, जेएलजी एक्स-बकेट कलेक्शन कार्यक्षमता मार्च 2026 महिन्यात 99.7% पर्यंत मजबूत - आर्थिक वर्ष 26 च्या चार तिमाहीत सर्वाधिक, नवीन एनपीए स्लिपेज (रिकव्हरी आणि अपग्रेडेशनचे निव्वळ) Q4FY26 मध्ये ~₹170 कोटी वर्सिज Q4FY25 मध्ये ~₹710 कोटी, आणि जीएनपीए रेशिओ मार्च 2026 पर्यंत ~330 बीपीएस क्यूओक्यू ने 7.7% पर्यंत सुधारला. या परिणामांमुळे संपूर्ण वर्षभर अंमलबजावणी केलेल्या क्षेत्र अंमलबजावणी, लक्ष्यित संकलन उपक्रम आणि संरचनात्मक हस्तक्षेपांचा एकत्रित परिणाम दिसून येतो. केंद्रीय धोरणात्मक प्राधान्य हे अनसिक्युअर्ड एक्सपोजरची संरचनात्मक डी-रिस्किंग आणि सुरक्षित, उच्च-उत्पन्न आणि कमी-जोखीम पोर्टफोलिओसाठी जाणीवपूर्वक महत्त्वाचे आहे. नॉन-जेएलजी पोर्टफोलिओ - एमबीबीएल, एमएसएमई, हाऊसिंग, बीबीजी इ. समाविष्ट - 122% वायओवाय द्वारे वाढणाऱ्या एमबीबीएल पोर्टफोलिओसह रजिस्टर्ड मजबूत गती. कॅलिब्रेटेड वाढीस सहाय्य करण्यासाठी डिपॉझिट एकत्रिकरण हे प्रमुख लक्ष केंद्रित केले आहे. सीएएसए + आरटीडी रेशिओ 71% पासून 83% पर्यंत मजबूत. रिप्राईसिंग लागू झाल्यामुळे फंडचा खर्च कमी झाला, Q4FY26 मध्ये 45 बीपीएस YoY पेक्षा जास्त कमी होत आहे. अधिक डी-रिस्क वाढीव प्रवाहासाठी, पात्र जेएलजी आणि एमबीबीएल वितरणावर क्रेडिट-गॅरंटी कव्हरेजसाठी सीजीएफएमयू सह नोंदणीकृत बँक. उत्कर्ष 2.0 अंतर्गत तंत्रज्ञान गुंतवणूक ट्रान्सफॉर्मेशनने ऑटोमेशन, डिजिटल अंडररायटिंग आणि 360-डिग्री मॉनिटरिंग क्षमता वितरित केली आहेत जे आधीच उत्पादकता आणि जोखीम नियंत्रण सुधारत आहेत. नोव्हेंबर 2025 मध्ये यशस्वी ₹950 कोटी राईट्स इश्यू नंतर कॅपिटल पोझिशन समाधानकारक राहते, ज्यामुळे टायर-1 कॅपिटलला भौतिकदृष्ट्या मजबूत केले जाते. बँक सुधारित कलेक्शन टिकवून ठेवण्यावर, उच्च-गुणवत्तेच्या विभागांमध्ये कॅलिब्रेटेड डिस्बर्समेंट सुरू ठेवण्यावर, टार्गेट मिक्ससाठी सुरक्षित लेंडिंग मजबूत करण्यावर आणि विवेकपूर्ण वाढीस सहाय्य करण्यासाठी लायबिलिटी मोबिलायझेशनला गती देण्यावर लक्ष केंद्रित करीत आहे. पायाभूत बदलांसह, बँक विविध विकास, आरोग्यदायी अंडररायटिंग परिणाम आणि भागधारकांसाठी दीर्घकालीन मूल्य निर्मिती प्रदान करण्यासाठी येत्या वर्षांसाठी स्वत:ला स्थान देत आहे. "परिणाम पीडीएफ

• ट्रेंडलाईन
• 1 महिन्यापूर्वी

Utkarsh Small Finance Bank announced Q3FY26 results Deposits grew by 4.5% YoY to Rs 21,087 crore as on December 31, 2025, led by growth in retail term deposits. Bank’s retail term deposits grew by 23.8% YoY to Rs 12,586 crore & CASA deposits grew by 16.1% YoY to Rs 4,611 crore as on December 31, 2025. CASA deposits ratio increased to 21.9% as on December 31, 2025 from 19.7% as on December 31, 2024. Bank’s CD ratio improved to 79.4% as on December 31, 2025 vs. 91.9% as on December 31, 2024. Bank’s loan Portfolio contracted by 3.9% YoY to Rs 18,306 crore as on December 31, 2025. Gross NPAs declined to 11.0% as on December 31, 2025 vs. 12.4% as on September 30, 2025 (6.2% as on December 31, 2024). Net NPAs declined to 4.5% as on December 31, 2025 vs. 5.0% as on September 30, 2025. Bank’s pre-provision operating loss was at Rs 44 crore in Q3FY26 vs. pre-provision operating profit of Rs 185 crore in Q3FY25. During Q3FY26, the Bank reported net loss of Rs 375 crore vs. Rs 168 crore in Q3FY25. Govind Singh, MD & CEO, Utkarsh Small Finance Bank, said: “Q3FY26 was a decisive quarter of strategic recalibration for the Bank, marked by a disciplined shift toward portfolio quality, secured asset expansion, and operational strengthening. The operating environment remained influenced by regulatory transitions and residual stress; however, the Bank demonstrated steady progress through focused execution and structural interventions aimed at long-term resilience. Secured lending increased to 50% of the gross loan portfolio as of December 31, 2025, compared with 41% a year earlier. This shift is aligned with the strategic intent to transition toward more stable asset classes and reduce cyclicality in credit costs. Non-JLG portfolios – comprising MBBL, MSME, Housing, BBG, etc. – registered strong growth at 28% YoY and 8% QoQ, supported by disciplined underwriting and yield optimization efforts. These trends re-affirm the franchise’s momentum in building a balanced, diversified portfolio beyond traditional JLG lending. On the liabilities side, the Bank recorded 5% YoY growth in deposits, reaching Rs 21,087 crore by December 31, 2025, driven primarily by granular, low cost CASA and retail term deposits. This aligns with the strategic direction emphasized during the quarter – reducing reliance on bulk deposits and improving the CASA + RTD ratio, which strengthened to 82% as of December 31, 2025 from 70% a year earlier. As newly launched branches continue to mature, we expect further margin improvement and enhanced business scalability. In the micro-banking segment, the Bank adopted a cautious posture due to stress indicators emerging in the unsecured JLG portfolio. Tighter underwriting norms, pre-qualified lending to disciplined existing customers, and moderated disbursement levels resulted in a planned contraction of the JLG book during the quarter. While this impacted near-term interest income, these actions are consistent with the Bank’s long-term goal of improving asset quality and reducing volatility in the book. The Bank also achieved operational improvements as JLG X-bucket collection efficiency rose to 99.5% in the month of Dec-25 – the highest in three quarters of FY26 – indicating that the corrective measures implemented earlier in the year are gaining traction. To strengthen field discipline and credit oversight, the Bank continued to split larger micro-banking branches, expanded its JLG & MBBL collection workforce to ~1,300, and rolled out back-to-basics training programs emphasizing centre-meeting quality and onboarding rigor. These structural enhancements have contributed to improved operating stability and early signs of asset-quality moderation, including a ~140 bps QoQ reduction in the GNPA ratio as of Dec-25. Under the Utkarsh 2.0 program, multiple digital and automation sub-projects went live, improving productivity, strengthening underwriting through credit-guardrail controls, and enhancing monitoring through 360-degree parameter mapping. These initiatives, already yielding measurable benefits, support the Bank’s objective of building a more future-ready franchise. Despite legacy stress impacting profitability – with a reported net loss of Rs 375 crore for the quarter – the Bank exited Q3 with a strong capital adequacy ratio of 20.1%, bolstered by the successful Rs 950 crore rights issue completed in November 2025. Liquidity strength also remained robust, reflected in an LCR of 207% and surplus liquidity of nearly Rs 4,700 crore. These indicators underline the Bank’s ability to absorb near-term volatility while continuing to invest in transformation and franchise development. Overall, Q3FY26 demonstrated clear improvements in execution discipline, collection efficiency, secured asset build-up, deposit granularity, and early signs of asset-quality stabilization. As FY26 continues to serve as a transition year, the Bank remains focused on prudent growth, operational agility, and margin discipline. With foundational shifts underway, the Bank is positioning itself for stronger momentum heading into FY27 and FY28, guided by the ambition to deliver diversified growth, healthier underwriting outcomes, and long-term value creation for stakeholders.” Result PDF

• ट्रेंडलाईन
• 4 महिने 1 आठवड्यापूर्वी

Utkarsh Small Finance Bank announced Q2FY26 results Deposits grew by 10.0% YoY to Rs 21,447 crore as on September 30, 2025, led by growth in retail term deposits. Bank’s retail term deposits grew by 28.8% YoY to Rs 12,257 crore & CASA deposits grew by 17.4% YoY to Rs 4,482 crore as on September 30, 2025. CASA deposits ratio increased to 20.9% as on September 30, 2025 from 19.6% as on September 30, 2024. Bank’s CD ratio improved to 78.8% as on September 30, 2025 vs. 93.0% as on September 30, 2024. Bank’s loan Portfolio contracted by 2.3% YoY to Rs 18,655 crore as on September 30, 2025. Gross NPAs were 12.4% as on September 30, 2025 vs. 11.4% as on June 30, 2025 (3.9% as on September 30, 2024). Net NPAs were 5.0% as on September 30, 2025 vs. 5.0% as on June 30, 2025 (0.9% as on September 30, 2024). Bank’s pre-provision operating profit was at Rs 88 crore in H1FY26 vs Rs 588 crore in H1FY25. During H1FY26, the Bank reported net loss of Rs 588 crore vs. PAT of Rs 189 crore in H1FY25. Bank’s pre-provision operating loss was at Rs 3 crore in Q2FY26 vs preprovision operating profit of Rs 276 crore in Q2FY25. During Q2FY26, the Bank reported net loss of Rs 348 crore vs. PAT of Rs 51 crore in Q2FY25 (Loss of Rs 239 crore in Q1FY26). Govind Singh, MD & CEO, Utkarsh Small Finance Bank, said: “Q2FY26 marked a deliberate shift in the Bank’s growth architecture, rather than chasing quantity, we leaned into quality – prioritizing secured lending, recalibrating risk, and tightening execution. This quarter was about building resilience. Secured loans now comprise 47% of our portfolio as of September 30, 2025, up from 38% a year ago. This shift reflects a strategic pivot toward more stable asset classes. Consequently, our non-JLG loan portfolio sustained strong momentum, growing by 30% YoY & 4% QoQ. Healthy business growth driven by yield optimization efforts in secured products i.e. disbursement yields rising in housing & MSME loans by 40–100 bps compared to Q2FY25. On the liabilities side, our deposit base expanded by 10% YoY to Rs 21,447 crore as on September 30, 2025, led by retail term deposits. As the newly launched branches build maturity and traction, we are working towards margin improvement and overall business scalability in the coming quarters. In the unsecured microbanking segment, we’ve adopted a more cautious stance in response to recent stress indicators. Tighter credit norms and underwriting have moderated originations, resulting in contraction of JLG loan book during the quarter, which has impacted short-term interest income but is aligned with our long-term asset quality goals. Additionally, we continue to split larger micro-banking branches to improve oversight and control. We are also working on back-to-basics programs to train new frontline staff on core processes such as centre meetings and customer onboarding, ensuring a more robust and consistent execution framework. The Bank has expanded our collection workforce (to ~1,200 as of Sep-25). The Bank has already embarked on its Utkarsh 2.0 Technology Transformation Project, with several sub-projects already live and yielding benefits. FY26 remains a year of recalibration. We are focused on operational agility, prudent growth, and margin discipline, with an eye toward building momentum into FY27 and FY28. While the operating environment presents challenges, we are positioning the franchise to navigate them with resilience and adaptability.” Result PDF

• ट्रेंडलाईन
• 6 महिने 3 आठवड्यांपूर्वी