Utkarsh Small Finance Bank Reports Q1 FY27 Business Updates: Total Disbursements Trend, Portfolio and Deposit Insights
Utkarsh Small Finance Bank Limited released its business updates for the quarter ended June 30, 2026, detailing performance across disbursements, portfolio composition, deposit growth, and asset quality indicators. The report provides a comparison of current provisional data (Q1 FY27) against audited results from Q4 FY26.Disbursements and Lending Performance
The bank reported significant figures regarding lending activity during the period. Total Disbursements stood at 3,370 in Q1 FY27, down 19.9% compared to the 4,207 disbursed in Q4 FY26.Disbursements breakdown between JLG and Non-JLG shows varied trends:
| Metric | Q1 FY27 (Provisionally) | Q4 FY26 (Audited) | Change YoY |
|---|---|---|---|
| Total Disbursements | 3,370 | 4,207 | 48.5% |
| JLG Disbursements | 1,190 | 1,425 | 4.5% |
| Non-JLG Disbursements | 2,180 | 2,782 | 92.9% |
Portfolio Health and Composition
Gross Loan Portfolio stood at 19,612 in Q1 FY27, showing a slight increase from the 19,332 portfolio reported in Q4 FY26 (a 2.0% rise). The composition of lending shows activity across both JLG and Non-JLG segments.The core portfolio metrics for Q1 FY27 are as follows:
| Portfolio Component | Q1 FY27 Value |
|---|---|
| Gross Loan Portfolio | 19,612 |
| JLG Loan Portfolio | 5,480 |
| Non-JLG Loan Portfolio | 14,132 |
In terms of portfolio mix at the end of Q1 FY27, the ratio was:
- JLG : Non-JLG (28 : 72)
- Secured : Unsecured (51 : 49)
Deposits and Liability Profile
Total Deposits reached 22,053 in Q1 FY27 from 21,654 in Q4 FY26, representing a 2.6% increase overall. CASA Deposits showed strong growth, rising to 4,867 in Q1 FY27 from 5,196 in Q4 FY26, despite this figure also showing a 6.3% decline compared to its prior status during the period being analyzed.The components of deposits for Q1 FY27 are detailed below:
| Deposit Type | Q1 FY27 Value |
|---|---|
| Total Deposits | 22,053 |
| CASA Deposits | 4,867 |
| Retail Term Deposits | 13,393 |
| Bulk Term Deposits | 3,794 |
Key ratios reported for Q1 FY27 include the CASA Ratio at 22.1% and the CASA + Retail Term Deposits Ratio at 82.8%.
Asset Quality and Liquidity Metrics
The bank maintained a strong liquidity profile as of June 30, 2026, with its Liquidity Coverage Ratio (LCR) recorded at 223%.Regarding Micro-Banking Asset Quality across various quarters, the performance metrics are summarized below:
| Metric | Q1 FY27 | Q4 FY26 |
|---|---|---|
| X Bucket Collection Efficiency | 99.63% | 99.69% |
| SMAPool% | 1.20% | 1.33% |
The comprehensive data indicates that the Micro-Banking Asset Quality metrics have been tracked across Q1 FY27, Q4 FY26, Q3 FY26, Q2 FY26, and Q1 FY26.
UTKARSHBNK Stock Price Movement
Utkarsh Small Finance Bank Limited shed value on Friday, with the stock slipping 0.86% to settle at ₹15.07. Active trading characterized the session, as nearly eight million shares changed hands in the bank's equity.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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