Utkarsh SFB Q4 update: Disbursements rise 30%, deposits at ₹21,654 crore

Utkarsh Small Finance Bank reported its business update for the quarter ended March 31, 2026. Total disbursements stood at ₹4,207 crore, up 30.1% year-on-year. JLG disbursements were ₹1,425 crore, up 2% from the year ago period, while non-JLG disbursements came in at ₹2,782 crore, up 51.4% year-on-year.

The gross loan portfolio stood at ₹19,333 crore, compared with ₹19,666 crore a year earlier and ₹18,306 crore in the previous quarter. JLG loan portfolio was ₹5,789 crore, while non-JLG loan portfolio stood at ₹13,544 crore.

Total deposits were ₹21,654 crore, compared with ₹21,566 crore a year earlier and ₹21,087 crore in the December quarter. CASA deposits stood at ₹5,196 crore, while retail term deposits were ₹12,720 crore and bulk term deposits were ₹3,738 crore.

The CASA ratio was 24% as of March 31, 2026, compared with 21.8% a year earlier. The CASA and retail term deposits ratio stood at 82.7%.

In the micro-banking segment, collection efficiency stood at 99.7% in Q4 FY26, compared with 99.1% in the previous quarter, while the SMA pool was at 1.3% against 3.2% in Q3 FY26. The liquidity coverage ratio stood at 177% as of March 31, 2026.

The shares of the company ended 1.57% higher in the session on Thursday, April 2. The stock has fallen over 21% in the year so far.

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