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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.
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Data sourced from BSE India corporate announcements. More categories will be added over time.
Utkarsh Small Finance Bank Ltd

Utkarsh Small Finance Bank reports Q2 FY27 Net Loss of (₹6,985.22 lakh)

RESULTS ▼ Concern Flagged MEDIUM RISK
📅 Filed on BSE: 03 Nov 2026, 08:03 PM IST  ·  BSE ID: fffc29b7-a80f-4637-9ae7-bf25efb6e4db
View Original BSE Filing (PDF)
💡
In Simple Terms
The bank reported a net loss of (₹6,985.22 lakh) for the quarter, with its bad loans showing a slight improvement.
🤖 AI Summary
  • Board of Directors approved unaudited financial results for the quarter and half year ended September 30, 2026.
  • Net Loss for Q2 FY27 was (₹6,985.22 lakh), compared to Net Loss of (₹3,391.97 lakh) in Q1 FY27.
  • Gross Non-Performing Assets (NPA) as of September 30, 2026, were 5.96% of Gross Advances.
  • Net Non-Performing Assets (NPA) as of September 30, 2026, were 2.74% of Net Advances.
  • Capital Adequacy Ratio reported at 17.05% as of September 30, 2026.
🔢 Key Numbers - exact figures from BSE filing, not rounded
Net Profit for the quarter ended September 30, 2026
(6,985.22) lakh
Net Profit for the quarter ended June 30, 2026
(3,391.97) lakh
% of Gross NPA to Gross Advances as of September 30, 2026
5.96%
% of Net NPA to Net Advances as of September 30, 2026
2.74%
Capital Adequacy Ratio as of September 30, 2026
17.05%
Total Deposits as of September 30, 2026
23,86,935.30 lakh
🏢 How This Affects the Company
📈
Business Impact
The retail segment reported a Profit Before Tax of (₹4,385.83 lakh) for Q2 FY27, continuing to contribute to overall losses, while Wholesale and Treasury segments also posted losses.
💰
Financial Impact
The Net Loss of (₹6,985.22 lakh) in Q2 FY27 impacts the bank's profitability. Total assets stood at ₹29,08,996.85 lakh and total deposits reached ₹23,86,935.30 lakh as of September 30, 2026.
⚙️
Operational Impact
The bank's operational expenses, excluding provisions and contingencies, were ₹91,703.67 lakh for Q2 FY27, impacting overall financial performance.
⚠️
Risk Impact
Gross NPA decreased to 5.96% from 6.09% in Q1 FY27, and Net NPA decreased to 2.74% from 2.86% in Q1 FY27, indicating a reduction in asset quality risk.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required by shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the bank's reported Net Loss of (₹6,985.22 lakh) for Q2 FY27 and the decline in Earnings per share (Basic) to (₹0.39) for the quarter.
🔍
Management Signal
The approval of the unaudited financial results signals the management's adherence to regulatory disclosure requirements and provides transparency on the bank's financial performance.

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

👁 Watch List - track these upcoming events
Q3 FY27 financial results — monitor Net Profit/Loss trend and NPA ratios.
RBI regulatory updates — check for any impact on small finance bank operations.
Earnings call transcript — assess management commentary on future outlook.
MEDIUM RISK Consecutive quarterly net losses, despite improving NPA ratios, indicate ongoing challenges to profitability.
💡 Investor Takeaway
Utkarsh Small Finance Bank reported a Net Loss of (₹6,985.22 lakh) for Q2 FY27, widening from Q1 FY27's Net Loss of (₹3,391.97 lakh). The bank's Gross NPA improved to 5.96% from 6.09% in Q1 FY27, and Net NPA reduced to 2.74% from 2.86%.
⚖️ Strengths & Concerns

✅ Positives

  • Gross NPA to Gross Advances improved to 5.96% in Q2 FY27 from 6.09% in Q1 FY27, indicating better asset quality.
  • Net NPA to Net Advances improved to 2.74% in Q2 FY27 from 2.86% in Q1 FY27, showing a reduction in net bad loans.

⚠️ Concerns

  • Net Profit for Q2 FY27 was a loss of (₹6,985.22 lakh), widening from a loss of (₹3,391.97 lakh) in Q1 FY27.
  • Operating Profit before Provisions and Contingencies for Q2 FY27 was ₹8,524.39 lakh, lower than Q2 FY26's operating profit of ₹14,881.13 lakh for the half-year ended September 30, 2026.
📅 Company Track Record
Utkarsh Small Finance Bank reported a net loss of ₹3,391.97 lakh in Q1 FY27, with Gross NPA at 6.09%. This Q2 FY27 filing shows a widening net loss compared to Q1 FY27, although Gross NPA has improved to 5.96%.

Based on publicly available historical data. For context only.

❓ Frequently Asked Questions
What was Utkarsh Small Finance Bank's Net Profit for Q2 FY27?
Utkarsh Small Finance Bank reported a Net Loss of (₹6,985.22 lakh) for the quarter ended September 30, 2026 (Q2 FY27).
How did Utkarsh Small Finance Bank's Gross NPA change in Q2 FY27?
The % of Gross NPA to Gross Advances for Utkarsh Small Finance Bank was 5.96% as of September 30, 2026, an improvement from 6.09% in the previous quarter.
What is the Capital Adequacy Ratio of Utkarsh Small Finance Bank as of Q2 FY27?
Utkarsh Small Finance Bank's Capital Adequacy Ratio stood at 17.05% as of September 30, 2026.
What were Utkarsh Small Finance Bank's Total Deposits as of September 30, 2026?
As of September 30, 2026, Utkarsh Small Finance Bank reported Total Deposits of ₹23,86,935.30 lakh.

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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