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📋 Filing Types Available on ForgeUp Filings Sourced from BSE corporate announcements (equity segment). Companies covered are BSE-listed and most are also listed on NSE. We show only material filings.
Financial Results Orders Dividend Buyback Merger / Acquisition Board Meeting Outcome Fundraise (QIP / Rights / FPO) Regulatory / Court Order Credit Rating Change Promoter Pledge Update Management Change Joint Venture / MOU Delisting Bonus Shares Stock Split
Data sourced from BSE India corporate announcements. More categories will be added over time.
Utkarsh Small Finance Bank Ltd

Utkarsh Small Finance Bank reports Net Loss of ₹3,391.97 lakh in Q1 FY27

RESULTS ▼ Concern Flagged MEDIUM RISK
📅 Filed on BSE: 01 Aug 2026, 07:22 PM IST  ·  BSE ID: 659bd897-6859-4ab7-8bab-a841f470a8e1
View Original BSE Filing (PDF)
💡
In Simple Terms
The bank announced its latest quarterly financial results, reporting a loss and detailing its income and loan quality.
🤖 AI Summary
  • Utkarsh Small Finance Bank's Board approved unaudited Q1 FY27 financial results on August 01, 2026.
  • The bank reported a Net Loss of ₹3,391.97 lakh for the quarter ended June 30, 2026.
  • Total Income reached ₹1,00,237.22 lakh for the quarter ended June 30, 2026.
  • Gross NPA was 6.09% and Net NPA was 2.86% as of June 30, 2026.
  • Capital Adequacy Ratio stood at 17.44% for the quarter ended June 30, 2026.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit for the period/ year after tax
(3,391.97) ₹ in lakh
Not comparable — limited prior period data.
Total Income
1,00,237.22 ₹ in lakh
Not comparable — limited prior period data.
Gross NPA
1,16,318.01 ₹ in lakh
Not comparable — limited prior period data.
% of Gross NPA to Gross Advances
6.09%
Not comparable — limited prior period data.
% of Net NPA to Net Advances
2.86%
Not comparable — limited prior period data.
Capital Adequacy Ratio
17.44%
Not comparable — limited prior period data.
🏢 How This Affects the Company
📈
Business Impact
Retail segment revenue was ₹77,392.74 lakh in Q1 FY27, while wholesale segment revenue was ₹9,274.49 lakh. The bank continues to operate within these defined business segments.
💰
Financial Impact
The bank recorded a Net Loss of ₹3,391.97 lakh in Q1 FY27. Total income was ₹1,00,237.22 lakh and operating profit before provisions was ₹6,356.74 lakh.
⚙️
Operational Impact
The financial results reflect ongoing operations with Total Assets at ₹28,41,827.28 lakh and Total Liabilities at ₹28,41,827.28 lakh as of June 30, 2026.
⚠️
Risk Impact
Gross NPA decreased to 6.09% from 7.71% in Q4 FY26, and Net NPA decreased to 2.86% from 3.29% in Q4 FY26, indicating an improvement in asset quality.
👥 What This Means For Shareholders
✅
Action Required
No action is required from shareholders based on this financial results announcement.
👤
Who Is Affected
All shareholders are affected by the reported Net Loss of ₹3,391.97 lakh and the basic EPS of (₹0.19) for Q1 FY27, reflecting the bank's financial performance.
🔍
Management Signal
The approval of the unaudited financial results by the Board indicates management's adherence to regulatory disclosure requirements and transparent reporting of financial performance.

For information only. Not investment advice. ForgeUp is not SEBI-registered.

👁 Watch List — track these upcoming events
Q2 FY27 financial results — check for sustained asset quality improvement
Quarterly investor calls — review management commentary on provisions and growth
Updates on retail and wholesale segment performance over next quarters
MEDIUM RISK The bank continues to report net losses and significant provisions, indicating ongoing financial challenges despite improving asset quality metrics.
💡 Investor Takeaway
Utkarsh Small Finance Bank reported a Net Loss of ₹3,391.97 lakh for Q1 FY27, with Total Income at ₹1,00,237.22 lakh. Gross NPA improved to 6.09% from 7.71% in Q4 FY26. The Capital Adequacy Ratio was 17.44%.
⚖️ Strengths & Concerns

✅ Positives

  • Gross NPA decreased to 6.09% for Q1 FY27 from 7.71% in Q4 FY26, indicating an improvement in asset quality.
  • Net NPA decreased to 2.86% for Q1 FY27 from 3.29% in Q4 FY26, showing lower net non-performing assets.

⚠️ Concerns

  • The bank reported a Net Loss of ₹3,391.97 lakh for Q1 FY27, following a net loss in the previous quarter and fiscal year.
  • Provisions (other than tax) and Contingencies remained substantial at ₹10,898.21 lakh for Q1 FY27.
📅 Company Track Record
Utkarsh Small Finance Bank reported a ₹1,15,097.84 lakh net loss for FY26, with a Q4 FY26 loss of ₹18,801.56 lakh. Provisional business updates for Q4 FY26 indicated disbursements grew 30.1% YoY to Rs. 4,207 Crore, with non-JLG surging 51.4% as management shifted portfolio mix.

Based on publicly available historical data. For context only.

❓ Frequently Asked Questions
What was Utkarsh Small Finance Bank's Net Profit/Loss for Q1 FY27?
Utkarsh Small Finance Bank reported a Net Loss after tax of ₹3,391.97 lakh for the quarter ended June 30, 2026 (Q1 FY27).
What was the Total Income for Utkarsh Small Finance Bank in Q1 FY27?
The Total Income for Utkarsh Small Finance Bank for the quarter ended June 30, 2026, was ₹1,00,237.22 lakh.
What were the Gross NPA and Net NPA ratios for Utkarsh Small Finance Bank in Q1 FY27?
As of June 30, 2026, the Gross NPA to Gross Advances ratio was 6.09%, and the Net NPA to Net Advances ratio was 2.86%.
What was Utkarsh Small Finance Bank's Capital Adequacy Ratio in Q1 FY27?
Utkarsh Small Finance Bank's Capital Adequacy Ratio was 17.44% for the quarter ended June 30, 2026.

Questions based on this BSE filing only. For information purposes.

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⚠️ For Information Only — Not Investment Advice
ForgeUp Filings provides AI-generated summaries of public BSE exchange announcements (equity segment) for informational purposes only. Nothing here constitutes investment advice or a recommendation to buy, sell, or hold any security. ForgeUp is not a SEBI-registered investment advisor. All financial numbers are sourced directly from BSE filings and shown as-is. Past data is historical only. Please consult a qualified financial advisor before making investment decisions. Data sourced from BSE India public disclosures.
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