Utkarsh Small Finance Bank Limited — Important, 07-04-2025: General Updates

Gross Loan Portfolio has increased by 7.5% year-over-year to ₹19,666 crore, while the non-JLG (Joint Liability Group) Loan Portfolio surged by 45.1% to ₹10,459 crore, reflecting strong demand in this segment. However, the JLG Loan Portfolio experienced a decline of 17.0% to ₹9,207 crore, indicating potential shifts in customer preferences or market conditions. Total Deposits rose by 23.4% to ₹21,566 crore, bolstered by robust growth in CASA Deposits, which climbed 31.0% to ₹4,692 crore. The CASA ratio stands at 21.8%, an improvement from the previous year. With a liquidity coverage ratio (LCR) of 193%, the bank demonstrates solid liquidity management. Overall, these metrics suggest a positive outlook, particularly in non-JLG lending, while the declining JLG loans warrant close monitoring for future growth.