Utkarsh Small Finance Bank Q2 FY27: gross NPAs fall to 5.9%, pre-provision operating profit ₹85 crore
Gross NPAs fell to 5.9% and net NPAs to 2.7% as on September 30, 2026, from 12.2% and 4.9% a year earlier.
By ScoutQuest · · 1 min read
- Gross NPAs
- 5.9% as on September 30, 2026, from 12.2% a year earlier
- Net NPAs
- 2.7% as on September 30, 2026, from 4.9% a year earlier
- Pre-provision operating profit
- ₹85 crore in Q2 FY27 from a ₹3 crore loss a year earlier
- Release
- Results press release
- Period
- Q2 FY27
_Basis not stated · Q2 & H1 FY27_
📊 Net loss, Q2 FY27: lower by 80% from Q2 FY26
📉 Pre-provision operating profit was ₹85 crore in Q2 FY27 against a pre-provision operating loss of ₹3 crore in Q2 FY26; for H1 FY27 the bank reported ₹149 crore versus ₹88 crore in H1 FY26.
🏭 Net interest margin expanded about 120 bps YoY to 6.3% in Q2 FY27 and the bank's cost of funds improved about 50 bps YoY to 7.5%.
📌 The gross loan portfolio grew 7.5% YoY and 2.3% QoQ to ₹20,062 crore, with secured loans at 52% of the book and the MBBL portfolio within micro-banking up 146% YoY to over 35% of the segment.
Also from Utkarsh Small Finance Bank
No deviation in use of Rs. 300 crores NCD proceeds raised on September 25, 2026
3 Nov 2026
Utkarsh Small Finance Bank Q2 & H1 FY27: loss narrows, GNPA falls to 5.9%
3 Nov 2026
Board approves Q2/H1 results; auditors' review unmodified; PAT line shows loss of Rs 6,985.22 lakh
3 Nov 2026
More numbers
- Net loss, Q2 FY27₹70 crore
- Net loss, H1 FY27₹104 crore
- Pre-provision operating profit, Q2 FY27₹85 crore
- Net interest margin, Q2 FY276.3%
- Gross NPA ratio, as on September 30, 20265.9%
- Net NPA ratio, as on September 30, 20262.7%
- Cost of funds, Q2 FY277.5%
- Gross loan portfolio₹20,062 crore
- Deposits₹23,869 crore
- CASA deposits₹5,119 crore
- MBBL share of micro-banking segmentover 35%
- MBBL portfolio growth YoY146%
- NCDs raised in September 2026₹300 crore
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