Utkarsh Small Finance Bank Limited — Investor Meet, 07-08-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Utkarsh SFB shows strong Q1 FY27 recovery: total disbursements surged 49% YoY, led by 93% non-JLG growth. GNPA improved to 5.9%, down 550 bps YoY. Net loss significantly reduced by over 80% to INR34 crores. Secured lending now comprises 51% of the loan book. Management aims for 25-30% loan growth and 15% ROE by FY28, focusing on diversification, risk management, and operational efficiency. The bank plans to raise INR500 crores via Tier 2 NCDs to boost capital. Confident in JLG potential under new guardrails and 80% CGFMU coverage for new disbursements. Productivity drive to optimize cost-to-income.