Earnings calls / UTKARSHBNK

Utkarsh Small Finance Bank Limited Q1 FY27 Earnings Call Summary

Utkarsh SFB reported Q1 FY27 total disbursements of ₹3,370 crore, up 48.5% YoY but down 19.9% QoQ. The YoY driver was non-microbanking (₹1,766 crore, +71.7% YoY), not microbanking (₹1,604 crore, +29.3% YoY). Management gave no forward guidance in the investor presentation. The main concern is the sharp QoQ slowdown in both segments, particularly microbanking, which fell 25.3% QoQ.

Revenue
Margin
Demand
Guidance
Tone

Event Participants

Executives

0 [No executives listed in presentation; investor presentation format only]

Analysts

0 [No Q&A session in provided transcript; investor presentation only]

Financials & KPIs

Metric Reported Commentary
Total Disbursements ₹3,370 crores YoY +48.5%, QoQ -19.9%; MB disbursements ₹1,604 cr (YoY +29.3%, QoQ -25.3%), Non-MB ₹1,766 cr (YoY +71.7%, QoQ -14.2%)
Gross Loan Portfolio ₹1

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