Utkarsh Small Finance Bank Quarterly Results

Pros & Cons

POSITIVES

Improved Net Interest Margin indicates better profitability per loan.
Consistent increase in customer deposits shows growing trust and market presence.
Reduction in Non-Performing Assets (NPAs) reflects stronger asset quality management.

NEGATIVES

Decline in net profit growth compared to last quarter raises concerns on profitability.
Rising operational expenses may pressure future margins and profitability.
Lower loan growth rate could indicate potential market challenges ahead.

Field	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	756.32	805.98	895.62	965.92	986.95	932.43	879.62	880.91
Expenses	623.81	632.48	734.08	759.29	813.12	852.66	932.76	927.01
Financing Profit	132.51	173.49	161.54	206.63	173.83	79.77	-53.13	-46.10
Other Income	105.17	82.66	120.67	104.65	102.58	105.49	287.11	137.75
Depreciation	0	0	0	0	0	0	0	0
Profit Before Tax	154.43	152.05	208.35	186.24	68.07	-237.94	11.28	-318.87
Tax	40.01	35.99	48.69	48.84	16.68	-69.89	8.31	-79.39
Net Profit	114.42	116.06	159.66	137.40	51.39	-168.06	2.97	-239.48
Gross Npa %	2.81	3.04	2.51	2.78	3.88	6.17	9.43	11.42
Net Npa %	0.16	0.19	0.03	0.26	0.89	2.50	4.84	5