Stock Report

Utkarsh Small Finance Bank posts loss of Rs. 188.01 crores in Q4 FY2026

Posted On : 2026-05-10 11:20:56( TIMEZONE : IST )

Utkarsh Small Finance Bank Limited has reported Standalone financial results for the period ended March 31, 2026.

Financial Results (Q4 FY2026) - QoQ Comparison

The company has reported total income of Rs. 952.0702 crores during the period ended March 31, 2026 as compared to Rs. 901.7077 crores during the period ended December 31, 2025.

The company has posted net profit / (loss) of Rs. -188.0156 crores for the period ended March 31, 2026 as against net profit / (loss) of Rs. -375.0176 crores for the period ended December 31, 2025.

The company has reported EPS of Rs. -1.06 for the period ended March 31, 2026 as compared to Rs. -2.46 for the period ended December 31, 2025.

Financials	Q4 FY2026	Q3 FY2026	% Change
Total Income	₹ 952.0702 crs	₹901.7077 crs	5.59%
Net Profit	₹-188.0156 crs	₹-375.0176 crs	49.86%
EPS	₹-1.06	₹-2.46	56.91%

Financial Results (Q4 FY2026) - YoY Comparison

The company has reported total income of Rs. 952.0702 crores during the period ended March 31, 2026 as compared to Rs.1166.7330 crores during the period ended March 31, 2025.

The company has posted net profit / (loss) of Rs.-188.0156 crores for the period ended March 31, 2026 as against net profit / (loss) of Rs.2.9673 crores for the period ended March 31, 2025.

The company has reported EPS of Rs.-1.06 for the period ended March 31, 2026 as compared to Rs.0.03 for the period ended March 31, 2025.

Financials	Q4 FY2026	Q4 FY2025	% Change
Total Income	₹ 952.0702 crs	₹1166.7330 crs	-18.40%
Net Profit	₹-188.0156 crs	₹2.9673 crs	-6,436.25%
EPS	₹-1.06	₹0.03	-3,633.33%

Financial Results (Year Ended FY2026) - YoY Comparison

The company has reported total income of Rs.3809.7469 crores during the Financial Year ended March 31, 2026 as compared to Rs.4364.7603 crores during the Financial Year ended March 31, 2025.

The company has posted net profit / (loss) of Rs.-1150.9784 crores for the Financial Year ended March 31, 2026 as against net profit / (loss) of Rs.23.7005 crores for the Financial Year ended March 31, 2025.

The company has reported EPS of Rs.-8.37 for the Financial Year ended March 31, 2026 as compared to Rs.0.22 for the Financial Year ended March 31, 2025.

Financials	Year Ended FY2026	Year Ended FY2025	% Change
Total Income	₹3809.7469 crs	₹4364.7603 crs	-12.72%
Net Profit	₹-1150.9784 crs	₹23.7005 crs	-4,956.35%
EPS	₹-8.37	₹0.22	-3,904.55%

Asset Quality:

Asset Quality	Q4 FY2026	Q3 FY2026	Q4 FY2025
Gross NPA	₹1459.9021 crs	₹1985.9508 crs	₹1854.3838 crs
Gross NPA %	7.71%	11.05%	9.43%
Net NPA	₹594.0544 crs	₹750.8701 crs	₹905.2731 crs
Net NPA %	3.29%	4.48%	4.84%

Gross NPA was at ₹ 1459.9021 crs in Q4 FY2026 against ₹ 1854.3838 crs in Q4 FY2025. The same was at ₹ 1985.9508 crs in Q3 FY2026.

Net NPA was at ₹ 594.0544 crs in Q4 FY2026 against ₹ 905.2731 crs in Q4 FY2025. The same was at ₹ 750.8701 crs in Q3 FY2026.

GNPA was at 7.71% of Gross advances as on March 31, 2026 as compared to 9.43% as on March 31, 2025 and 11.05% as of December 31, 2025.

Net NPA was at 3.29% of Gross advances as on March 31, 2026 as compared to 4.84% as on March 31, 2025 and 4.48% as of December 31, 2025.

Ratios	Q4 FY2026	Q3 FY2026	Q4 FY2025
RoA %	-0.67%	-1.36%	0.01%
CAR (BASEL III) %	17.71%	20.11%	20.93%

Return on Average Assets (RoA) is at -0.67% for Q4 FY2026 against -1.36% in Q3 FY2026 and 0.01% in Q4 FY2025.

In Q4 FY2026, Bank's total Capital Adequacy Ratio (CAR) was at 17.71%, as compared to 20.11% in Q3 FY2026 and 20.93% in Q4 FY2025.

Shares of Utkarsh Small Finance Bank Limited was last trading in BSE at Rs. 15.51 as compared to the previous close of Rs. 15.54. The total number of shares traded during the day was 397286 in over 1209 trades.

The stock hit an intraday high of Rs. 15.80 and intraday low of 15.33. The net turnover during the day was Rs. 6141954.00.