Utkarsh Small Finance Bank quarterly results

Q1 FY27 · Apr–Jun 2026

₹ crore	Q1 FY27	Q1 FY26	Change
Total income	1,002	1,019	−1.6%
Net interest income	422	402	+5.0%
Operating profit	63.6	91.6	−30.6%
Net profit	−33.9	−239	—
EPS	−₹0.19	−₹2.17	—

Every quarter

₹ crore except per share

Tap a line for its trend	Q1 FY27Jun 2026	Q4 FY26Mar 2026	Q3 FY26Dec 2025	Q2 FY26Sep 2025	Q1 FY26Jun 2025	Q4 FY25Mar 2025	Q3 FY25Dec 2024	Q2 FY25Sep 2024	Q1 FY25Jun 2024	Q4 FY24Mar 2024	Q3 FY24Dec 2023	Q2 FY24Sep 2023

Interest income
	753	695	680	714	756	764	827	880	867	816	736	680
	116	119	114	87.0	81.0	78.4	70.5	68.4	60.7	57.3	53.6	52.6
	15.1	22.1	26.7	38.9	43.5	37.4	35.3	38.9	38.3	22.0	15.9	23.9
	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	884	837	821	840	881	880	932	987	966	896	806	756
	461	461	473	489	479	468	452	429	393	356	324	315
	422	376	348	350	402	411	480	558	573	540	482	442
	119	115	80.6	97.3	138	287	105	103	105	121	82.7	105
	1,002	952	902	937	1,019	1,167	1,038	1,090	1,071	1,016	889	861
Operating
	241	237	246	236	228	204	225	211	205	210	180	177
	237	242	227	215	220	260	175	174	161	168	129	132
	477	479	473	451	448	465	400	384	367	378	309	309
	63.6	12.3	−44.3	−3.3	91.6	234	185	276	311	282	256	238
	109	244	446	462	411	223	423	208	125	73.9	104	83.3
Profit
	−45.4	−232	−491	−465	−319	11.3	−238	68.1	186	208	152	154
	−11.5	−44.1	−116	−117	−79.4	8.3	−69.9	16.7	48.8	48.7	36.0	40.0
	−33.9	−188	−375	−348	−239	3.0	−168	51.4	137	160	116	114
	−33.9	−188	−375	−348	−239	3.0	−168	51.4	137	160	116	114
Per share
	−₹0.19	−₹1.06	−₹2.46	−₹3.16	−₹2.17	₹0.03	−₹1.53	₹0.47	₹1.25	₹1.45	₹1.14	₹1.17
	−₹0.19	−₹1.06	−₹2.46	−₹3.16	−₹2.17	₹0.03	−₹1.53	₹0.46	₹1.24	₹1.44	₹1.13	₹1.15
	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Per share — as-filed variants
	−₹0.19	−₹1.06	−₹2.46	−₹3.16	−₹2.17	₹0.03	−₹1.53	₹0.47	₹1.25	₹1.45	₹1.14	₹1.17
	−₹0.19	−₹1.06	−₹2.46	−₹3.16	−₹2.17	₹0.03	−₹1.53	₹0.46	₹1.24	₹1.44	₹1.13	₹1.15
Regulatory disclosures — filed alongside, not part of the P&L
	—	37.6	—	22.5	—	57.3	—	—	—	—	—	—

Open the chart

From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.

alphave

UTKARSHBNK₹11.90

Utkarsh Small Finance Bank Limited

· Banking & Finance

Annual Quarterly₹ CrorePeersSURYODAY CAPITALSFB FINOPBMcap ₹2,118 Cr

View

In ₹ Crore except Per Share 3 Months Ending	Q2 FY24 30/09/2023	Q3 FY24 31/12/2023	Q4 FY24 31/03/2024	Q1 FY25 30/06/2024	Q2 FY25 30/09/2024	Q3 FY25 31/12/2024	Q4 FY25 31/03/2025	Q1 FY26 30/06/2025	Q2 FY26 30/09/2025	Q3 FY26 31/12/2025	Q4 FY26 31/03/2026	Q1 FY27 30/06/2026
Interest Income
+ Interest on Advances / Bills	679.8	736.4	816.3	866.9	879.6	826.6	763.9	756.4	714.1	680.2	695.2	753.0
+ Income on Investments	52.6	53.6	57.3	60.7	68.4	70.5	78.4	81.0	87.0	114.2	119.5	115.5
+ Interest on RBI / Interbank	23.9	15.9	22.0	38.3	38.9	35.3	37.4	43.5	38.9	26.7	22.1	15.1
+ Other Interest	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Interest Earned	756.3	806.0	895.6	965.9	987.0	932.4	879.6	880.9	840.0	821.1	836.8	883.6
Interest Expended	314.8	323.7	355.7	392.8	428.8	452.3	468.2	479.1	489.5	472.8	460.6	461.5
Net Interest Income	441.5	482.3	539.9	573.2	558.2	480.1	411.4	401.8	350.5	348.3	376.1	422.1
Other Income	105.2	82.7	120.7	104.6	102.6	105.5	287.1	137.7	97.3	80.6	115.3	118.8
Total Income	861.5	888.6	1,016.3	1,070.6	1,089.5	1,037.9	1,166.7	1,018.7	937.3	901.7	952.1	1,002.4
Operating
+ Employee Cost	176.6	179.7	210.4	205.2	210.7	225.4	204.3	228.2	236.2	246.2	237.3	240.6
+ Other Operating Expenses	132.4	129.1	168.0	161.3	173.6	175.0	260.3	219.7	214.9	227.0	241.8	236.7
Operating Expenses	309.0	308.8	378.4	366.5	384.3	400.4	464.5	447.9	451.1	473.2	479.1	477.3
Operating Profit (PPOP)	237.7	256.2	282.2	311.3	276.4	185.3	234.0	91.6	-3.3	-44.3	12.3	63.6
Provisions & Contingencies	83.3	104.1	73.9	125.0	208.3	423.2	222.7	410.5	461.6	446.4	244.4	109.0
Profit
Pretax Income	154.4	152.0	208.3	186.2	68.1	-237.9	11.3	-318.9	-465.0	-490.7	-232.1	-45.4
Tax Expense	40.0	36.0	48.7	48.8	16.7	-69.9	8.3	-79.4	-116.5	-115.7	-44.1	-11.5
Net Income	114.4	116.1	159.7	137.4	51.4	-168.1	3.0	-239.5	-348.5	-375.0	-188.0	-33.9
Net Income to Common	114.4	116.1	159.7	137.4	51.4	-168.1	3.0	-239.5	-348.5	-375.0	-188.0	-33.9
Per Share
Basic EPS	1.17	1.14	1.45	1.25	0.47	-1.53	0.03	-2.17	-3.16	-2.46	-1.06	-0.19
Diluted EPS	1.15	1.13	1.44	1.24	0.46	-1.53	0.03	-2.17	-3.16	-2.46	-1.06	-0.19
Book Value per Share	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Per Share — as-filed variants
Basic EPS before Extraordinary Items	1.17	1.14	1.45	1.25	0.47	-1.53	0.03	-2.17	-3.16	-2.46	-1.06	-0.19
Diluted EPS before Extraordinary Items	1.15	1.13	1.44	1.24	0.46	-1.53	0.03	-2.17	-3.16	-2.46	-1.06	-0.19
Regulatory Disclosures — filed alongside, not part of the P&L
Related-party Transactions — During the Period	—	—	—	—	—	—	57.3	—	22.5	—	37.6	—
Other Filed Concepts — mapped but not yet placed in the schedule
At1 Ratio	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.15
Cet1 Ratio	0.00	0.00	0.00	0.00	0.00	0.00	0.21	0.17	0.17	0.20	0.15	0.17
Expenditure Ex Provisions	623.8	632.5	734.1	759.3	813.1	852.7	932.8	927.0	940.6	946.0	939.8	938.8
Face Value	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00
Filed Roa	0.00	0.00	0.00	0.00	0.00	-0.00	0.00	-0.01	-0.01	-0.01	-0.01	-0.00
Gnpa Pct	0.00	0.00	0.00	0.00	0.00	0.00	0.09	0.11	0.12	0.11	0.08	0.06
Gross Npa	403.5	464.4	417.6	475.6	718.7	1,176.8	1,854.4	2,196.2	2,276.1	1,986.0	1,459.9	1,163.2
Net Npa	21.6	28.9	4.5	42.8	160.0	457.7	905.3	897.1	847.9	750.9	594.1	528.7
Nnpa Pct	0.00	0.00	0.00	0.00	0.00	0.00	0.05	0.05	0.05	0.04	0.03	0.03
Paid Up Equity Capital	1,097.0	1,098.1	1,099.5	1,100.1	1,101.4	1,101.6	1,101.6	1,101.6	1,101.6	1,779.5	1,779.5	1,779.5
Pat Ordinary	114.4	116.1	159.7	137.4	51.4	-168.1	3.0	-239.5	-348.5	-375.0	-188.0	-33.9

As filed, sign as filed — read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown, so depth follows the filer: pre-Ind-AS, insurance and NBFC blocks stay hidden unless they were actually reported. Alternate tags for the same idea (e.g. two spellings of a deferred-tax element) are kept as separate lines rather than merged, because merging them would be a guess. Ratios, per-share figures and counts render as raw numbers, not ₹ Crore. No consensus estimates → no Est columns. Click any row to chart it.

« ‹ › »Latest: Q1 FY27 · StandaloneFA Financial Analysis · alphave

Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.

Utkarsh Small Finance Bank Q2 FY27 results date

Utkarsh Small Finance Bank (NSE: UTKARSHBNK) will announce its Q2 FY27 results (July–September 2026) on Tuesday, 3 November 2026, according to the board-meeting notice it filed on 29 October 2026. Its latest results are for Q1 FY27 (April–June 2026). Standalone net loss was ₹33.9 crore, narrower than the loss of ₹239 crore in Q1 FY26 and narrower than the loss of ₹188 crore in Q4 FY26. Net interest income (interest earned less interest paid) was ₹422 crore, up 5.0% on the year.

Board-meeting notice filed: 29 October 2026
Q2 FY26 results (a year earlier): 14 November 2025
Q1 FY27 results (the latest): 1 August 2026

Latest results: Q1 FY27 (Apr–Jun 2026) · standalone

Q2 FY27 results date: 3 November 2026Tuesday · notice filed 29 Oct
Q1 FY27 net loss: −₹33.9 Crloss ₹239 Cr in Q1 FY26loss ₹188 Cr in Q4 FY26
Q1 FY27 net interest income: ₹422 Cr+5.0% vs Q1 FY26+12.2% vs Q4 FY26
Q2 FY26 net loss (a year earlier): −₹348 CrNII ₹350 Cr
Q1 FY27 gross NPA: 6.09%11.42% in Q1 FY267.71% in Q4 FY26
Q1 FY27 EPS (basic): −₹0.19

Questions

When will Utkarsh Small Finance Bank announce its Q2 FY27 results?

On 3 November 2026, the date of the board meeting called to approve them (notice filed with the exchanges on 29 October 2026). Last year it reported Q2 FY26 on 14 November 2025.

What will Utkarsh Small Finance Bank's Q2 FY27 results be compared with?

With the same quarter a year earlier, Q2 FY26 (July–September 2025), when standalone net loss was ₹348 crore and net interest income ₹350 crore. The latest quarter, Q1 FY27, had a net loss of ₹33.9 crore and net interest income of ₹422 crore.

What were Utkarsh Small Finance Bank's Q1 FY27 results?

Standalone net loss was ₹33.9 crore, narrower than the loss of ₹239 crore in Q1 FY26 and narrower than the loss of ₹188 crore in Q4 FY26. Net interest income (interest earned less interest paid) was ₹422 crore, up 5.0% on the year.

How has Utkarsh Small Finance Bank's profit changed over the last four quarters?

Net profit by quarter: a loss of ₹348 crore in Q2 FY26, a loss of ₹375 crore in Q3 FY26, a loss of ₹188 crore in Q4 FY26 and a loss of ₹33.9 crore in Q1 FY27. That is a combined loss of ₹945 crore over the four quarters. Net interest income: ₹350 crore, ₹348 crore, ₹376 crore and ₹422 crore.

What was Utkarsh Small Finance Bank's net profit in FY26?

Standalone net profit was a loss of ₹1,151 crore in FY26 (April 2025–March 2026), against a profit of ₹23.7 crore in FY25. It was a profit of ₹498 crore in FY24.

What was Utkarsh Small Finance Bank's net interest income in FY26?

Net interest income was ₹1,477 crore in FY26 (April 2025–March 2026), down 27.0% from ₹2,023 crore in FY25. It was ₹1,886 crore in FY24.

Where do these Utkarsh Small Finance Bank figures come from?

From Utkarsh Small Finance Bank's own standalone results filings to NSE, in ₹ crore as filed; the date from its board-meeting notices.

Standalone figures from the company's filings to NSE. Every company's results dates this season are in the Q2 FY27 results calendar, part of Alpha Plus.