Total disbursements rose 30.1% year-on-year (YoY) to Rs 4,207 crore in Q4 FY26, compared with Rs 3,235 crore in the corresponding quarter last year. On a sequential basis, disbursements jumped 46.1% from Rs 2,880 crore in Q3 FY26.
JLG (joint liability group) disbursements grew 2% YoY to Rs 1,425 crore, while non-JLG disbursements surged 51.4% to Rs 2,782 crore, highlighting a shift towards diversified lending.
The gross loan portfolio stood at Rs 19,333 crore as of 31 March 2026, down 1.7% YoY but up 5.6% sequentially. The JLG loan book declined 37.1% YoY to Rs 5,789 crore, while the non-JLG portfolio rose 29.5% to Rs 13,544 crore.
On the liabilities front, total deposits remained stable at Rs 21,654 crore, up 0.4% YoY and 2.7% QoQ. CASA deposits grew 10.6% YoY to Rs 5,196 crore, while retail term deposits increased 19.6% to Rs 12,720 crore. Bulk term deposits declined 40% YoY to Rs 3,738 crore, indicating a shift towards granular funding.
The CASA ratio improved to 24.0% from 21.8% a year ago, while the CASA plus retail term deposits ratio rose to 82.7%.
Asset quality in the micro-banking segment improved, with X-bucket collection efficiency rising to 99.7% in Q4 FY26 from 99.1% in the previous quarter. The SMA pool declined to 1.3% from 3.2%, reflecting better repayment trends.
The company's liquidity position remained strong, with a liquidity coverage ratio (LCR) of 177% as of 31 March 2026.
Utkarsh Small Finance Bank is engaged in providing banking and financial services with a focus on providing financial services to the underserved and unserved sections. The bank's microfinance lending activities are primarily focused in rural and semi-urban locations of the country, while its other services are spread across the country.
The bank had reported a net loss of Rs 375 crore in Q3 FY26 as against a net loss of Rs 168 crore in Q3 FY25. Operating income declined by 27% year-on-year (YoY) to Rs 429 crore in Q3 December 2026.
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Valued Customer,
BOB Capital Markets Limited (BOBCaps) is firmly committed to the safety of your wealth. We would like to bring to your notice certain precautions that you certainly must take against potential tele-fraudsters/ unscrupulous and unregistered portfolio managers:
ALWAYS AVOID
We would like to caution you against such fraudulent calls and SMSes and urge you to be alert. Follow the golden rule:
Do not share your Login Credentials or Passwords with anybody
BOBCaps employees / representatives never ask for your password.
Certain tele-fraudsters / unscrupulous and unregistered portfolio managers call customers or SMS them on the pretext of providing investment tips and lure them to invest through their bogus firms by promising huge profits.
Such deceitful callers ask the customer to share his/her login credentials with passwords to allow trading in their accounts, assuring huge returns.
Often trades done in the customer’s accounts are far from the best interest of the customers. Holdings of customers are often sold and with the funds, trades are then placed in illiquid securities at unrealistic prices.
At times, the holdings of customers are sold at prices detrimental to the customer. The so-called “portfolio manager” assures profits, which naturally does not materialize. Customers are deceived into providing access to their trading accounts, thereby allowing such fraudsters access to funds and securities available to execute trades, injurious to the customer’s interest.
In our continuous effort to keep you safeguard from the market related frauds and increase awareness while conducting trades, we request you to go through the Press Release issued by the NSE and would request you to ensure that you do not engage with the individuals and entities mentioned below: