Utkarsh Small Finance Bank Limited — Investor Meet, 09-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Utkarsh Small Finance Bank has announced a board meeting to consider the financial results for the quarter and half-year.

Q4 FY25 saw deposits rise 23% YoY to ₹21,566 Cr, led by 33% growth in retail term deposits and 31% in CASA, lifting the CASA ratio to 21.8%. Secured loans grew from 34% to 43% of the book, driven by 52% MSME and 36% housing loan growth. Microfinance (JLG) stress peaked but showed early recovery with 99.1% collection efficiency and SMA down to 5%. Gross NPAs rose to 9.43%, with credit costs elevated. Management expects asset quality to stabilize by H1 FY26 and profitability to improve. The bank added 200+ branches, exceeding 1,000 outlets, and maintains strong capital adequacy above 20%. Fundraising is paused, focusing on operational efficiency and secured lending growth.