Utkarsh Small Finance Bank Limited — PPTs, 01-08-2026: Investor Presentation

Utkarsh SFB narrowed its Q1 FY27 net loss to 34 Cr, a significant improvement from prior quarters. Net Interest Income hit 422 Cr, while the Gross Loan Portfolio grew 2% YoY to 19,610 Cr, driven by a 21.1% surge in Non-Micro Banking loans. Asset quality saw major improvements: Gross Non-Performing Assets (GNPA) fell to 5.9% and Net Non-Performing Assets (NNPA) to 2.8%. Secured loans now represent 51% of the portfolio.

The bank's strategy focuses on asset diversification, aiming for ~55% secured loans and ~15% Return on Equity by FY28. They're boosting retail deposits, expanding geographically, and leveraging technology for efficiency. Recent developments highlight strong asset quality stabilization and improved collection efficiency.

Key Q1 FY27 metrics: Net Loss of 34 Cr, Total Deposits at 22,054 Cr (up 3% YoY), and a healthy Capital to Risk-Weighted Assets Ratio (CRAR) of 17.4%. Credit cost notably dropped to 2.3%. Management projects 25-30% portfolio growth and ~8% Net Interest Margin by FY28, emphasizing robust risk management and optimizing its extensive network.