Utkarsh Small Finance Bank Limited — Important, 06-01-2025: Updates

Gross Loan Portfolio has shown a year-on-year increase of 16.2%, reaching ₹19,057 Cr, while the Non-JLG Loan Portfolio surged 42.2% YoY to ₹9,320 Cr. Total Deposits grew significantly by 33.5% YoY to ₹20,172 Cr, with Retail Term Deposits also reflecting strong growth at 40.6% YoY, now standing at ₹10,163 Cr. The CASA Ratio decreased slightly to 19.7%, while the CASA plus Retail Term Deposits Ratio improved to 70.1%. Collection efficiency for the Bank’s Micro Banking loan portfolio was reported at 87.7%. The Liquidity Coverage Ratio remains robust at 184%. Overall, these results indicate a positive outlook, driven by steady growth in loans and deposits, positioning the bank favorably in the market. Investors should consider the potential for continued growth in the retail segment and deposit base.