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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 Q2 FY27 Net Loss (₹6,985.22 lakh), NPA ratios improve

RESULTS ▼ Concern Flagged MEDIUM RISK
📅 Filed on BSE: 03 Nov 2026, 08:21 PM IST  ·  BSE ID: 5a4fdee2-8155-44f7-b8fa-697be035fd2b
View Original BSE Filing (PDF)
💡
In Simple Terms
The bank reported a loss of ₹6,985.22 lakh this quarter, but its bad loan percentages showed improvement.
🤖 AI Summary
  • Utkarsh Small Finance Bank reported a net loss of ₹6,985.22 lakh for the quarter ended September 30, 2026 (Q2 FY27).
  • Gross Non-Performing Assets (NPA) improved to 5.96% in Q2 FY27 from 6.09% in Q1 FY27.
  • Net NPA also saw an improvement, decreasing to 2.74% in Q2 FY27 from 2.86% in Q1 FY27.
  • Total Income for Q2 FY27 was ₹1,00,228.06 lakh, marginally down from ₹1,00,237.22 lakh in Q1 FY27.
🔢 Key Numbers - exact figures from BSE filing, not rounded
Net Profit for the period/ year after tax
(6,985.22) lakh
Not comparable — limited prior period data.
Total Income (1+2)
1,00,228.06 lakh
Not comparable — limited prior period data.
% of Gross NPA to Gross Advances
5.96%
Not comparable — limited prior period data.
% of Net NPA to Net Advances
2.74%
Not comparable — limited prior period data.
Operating Profit before Provisions and Contingencies
8,524.39 lakh
Not comparable — limited prior period data.
🏢 How This Affects the Company
📈
Business Impact
The reduction in Gross and Net NPA ratios indicates an improvement in asset quality, which can support lending operations and risk management.
💰
Financial Impact
A net loss of ₹6,985.22 lakh impacts the bank's profitability, although the increase in operating profit before provisions to ₹8,524.39 lakh indicates core operational strength.
⚠️
Risk Impact
The improved NPA ratios reduce credit risk exposure and reflect better recovery efforts or asset classification management.
👥 What This Means For Shareholders
✅
Action Required
No action required from shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the reported net loss of ₹6,985.22 lakh, which impacts the bank's retained earnings. The EPS Basic for the quarter is (₹0.39).
🔍
Management Signal
The focus on improving asset quality as evidenced by the reduction in NPA ratios suggests a strategic intent to strengthen the bank's lending portfolio despite current losses.

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

👁 Watch List - track these upcoming events
Q3 FY27 financial results — check for sustained NPA improvement and profitability trends.
Asset quality disclosures — monitor further reduction in Gross and Net NPA figures.
Capital Adequacy Ratio — observe stability or changes from current 17.05%.
MEDIUM RISK Continued net losses and high provisions indicate ongoing profitability challenges despite improved asset quality metrics.
💡 Investor Takeaway
Utkarsh Small Finance Bank recorded a net loss of ₹6,985.22 lakh in Q2 FY27. Gross NPA to Gross Advances improved to 5.96%, and Net NPA to Net Advances improved to 2.74% from the prior quarter, indicating better asset quality.
⚖️ Strengths & Concerns

✅ Positives

  • Gross NPA to Gross Advances improved to 5.96% in Q2 FY27 from 12.42% in Q2 FY26, indicating better asset quality year-on-year.
  • Operating Profit before Provisions and Contingencies increased to ₹8,524.39 lakh in Q2 FY27 from ₹6,356.74 lakh in Q1 FY27.

⚠️ Concerns

  • The bank reported a net loss of ₹6,985.22 lakh in Q2 FY27, following a loss of ₹3,391.97 lakh in Q1 FY27.
  • Provisions (other than tax) and Contingencies were ₹16,588.85 lakh in Q2 FY27, an increase from ₹10,898.21 lakh in Q1 FY27.
📅 Company Track Record
Utkarsh Small Finance Bank reported a net loss of ₹3,391.97 lakh in Q1 FY27, a reduction from the prior year. Gross NPA was 6.09% in Q1 FY27, showing a positive trend of improvement from previous periods. The bank has been working on improving its asset quality over recent quarters.

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 Gross NPA to Gross Advances for Utkarsh Small Finance Bank improved to 5.96% as of September 30, 2026, from 6.09% in the prior quarter.
What was the Net NPA of Utkarsh Small Finance Bank in Q2 FY27?
Utkarsh Small Finance Bank's Net NPA to Net Advances was 2.74% as of September 30, 2026, improving from 2.86% in the previous quarter.
What was Utkarsh Small Finance Bank's Total Income for Q2 FY27?
The Total Income for Utkarsh Small Finance Bank was ₹1,00,228.06 lakh for the quarter ended September 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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