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Utkarsh Small Finance Bank
SectorFinancial Services
| Metric (₹ crore) | Q4 FY21 | Q2 FY22 | Q4 FY22 | Q1 FY23 | Q2 FY23 | Q3 FY23 | Q4 FY23 | Q1 FY24 | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 415.44 | 427.55 | 536.03 | 570.83 | 602.21 | 640.82 | 691.11 | 720.5 | 756.32 | 805.98 | 895.62 | 965.92 | 986.95 | 932.43 | 879.62 | 880.91 | 839.97 | 821.15 | 836.75 | 883.56 |
| Expenses | 245.68 | 263.3 | 329.14 | 311.72 | 333.94 | 342.34 | 304.52 | 369.37 | 392.26 | 412.93 | 452.29 | 491.57 | 592.68 | 823.56 | 687.24 | 858.43 | 912.79 | 919.59 | 723.51 | 586.3 |
| Interest | 182.14 | 193.87 | 201.38 | 221.61 | 225.52 | 247.3 | 281.52 | 298.46 | 314.8 | 323.67 | 355.67 | 392.75 | 428.79 | 452.31 | 468.22 | 479.09 | 489.5 | 472.8 | 460.65 | 461.49 |
| EBITDA | 18.24 | 27.38 | 55.72 | 122 | 117.25 | 122.36 | 174.21 | 144.56 | 154.43 | 152.05 | 208.35 | 186.24 | 68.07 | -237.94 | 11.28 | -318.87 | -464.97 | -490.69 | -232.08 | -45.41 |
| Profit Before Tax | -163.9 | -166.49 | -145.66 | -99.61 | -108.27 | -124.94 | -107.31 | -153.9 | -160.37 | -171.62 | -147.32 | -206.51 | -360.72 | -690.25 | -456.94 | -797.96 | -954.47 | -963.49 | -692.73 | -506.9 |
| Net Profit | 13.68 | 21.2 | 48.43 | 89.49 | 87.71 | 93.5 | 133.8 | 107.5 | 114.42 | 116.06 | 159.66 | 137.4 | 51.39 | -168.05 | 2.97 | -239.48 | -348.46 | -375.02 | -188.02 | -33.92 |
| EPS | 0.18 | 0.25 | 0.55 | 1 | 0.98 | 1.04 | 1.49 | 1.2 | 1.17 | 1.14 | 1.45 | 1.25 | 0.47 | -1.53 | 0.03 | -2.17 | -3.16 | -2.46 | -1.06 | -0.19 |
| NIM | 0 | 0 | 0 | 9.7 | 10 | 9.7 | 9.4 | 9.2 | 9.2 | 9.7 | 9.9 | 9.4 | 8.8 | 7.5 | 6.4 | 5.9 | 5.1 | 5.1 | 5.5 | 6.1 |
| NPA | 3.75 | 8.27 | 6.1 | 5.73 | 4.61 | 3.58 | 3.23 | 3.13 | 2.81 | 3.04 | 2.51 | 2.78 | 3.88 | 6.17 | 9.43 | 11.42 | 12.42 | 11.05 | 7.71 | 6.09 |
| Metric (₹ crore) | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 210.95 | 115.21 | -83.46 | 1,329.16 | 1,573.13 | 991.23 | 875.58 | 780.69 |
| Investing Cash Flow | -170.99 | -322.14 | -532.45 | -738.67 | -693.15 | -619.8 | -776.88 | -3,308.58 |
| Financing Cash Flow | -92.08 | 1,304.36 | 171.67 | 111.35 | -235.27 | 139.67 | 310.45 | 1,412.49 |
| Net Cash Flow | -52.12 | 1,097.43 | -444.24 | 701.84 | 644.71 | 511.1 | 409.15 | -1,115.4 |
| Metric (₹ crore) | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|---|---|
| Total Liabilities and Equity | 4,523.72 | 6,238.84 | 9,404.32 | 12,137.9 | 15,063.8 | 19,117.3 | 23,902.7 | 28,127.4 | 28,869.1 |
| Total Assets | 4,523.72 | 6,238.84 | 9,404.32 | 12,137.9 | 15,063.8 | 19,117.3 | 23,902.7 | 28,127.4 | 28,869.1 |