UTKARSHBNK Q1 FY27 results at a glance
UTKARSH SMALL FIN BANK L Q1 FY27 key results metrics| Quarter | Q1 FY27 |
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| Quarter ended | 30 Jun 2026 |
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| Revenue | ₹541 cr |
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| Revenue YoY | +0.2% |
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| Operating profit | — |
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| Operating margin | — |
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| Net profit | -₹33.92 cr |
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| Net profit YoY | +85.8% |
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| Net profit QoQ | +82.0% |
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| Net margin | -6.3% |
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| Basic EPS | ₹-0.19 |
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| TTM revenue | ₹1,909 cr |
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| TTM net profit | -₹945 cr |
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| TTM net margin | -49.5% |
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UTKARSHBNK Q1 FY27 results: what the numbers say
UTKARSH SMALL FIN BANK L (UTKARSHBNK) has reported its Q1 FY27 results for the quarter ended 2026-06-30. The company posted revenue of ₹541 cr and a net profit of -₹33.92 cr, translating into earnings per share of ₹-0.19.
Compared with the same quarter a year earlier, revenue grew marginally by +0.2% and net profit grew sharply by +85.8%. Profit rising faster than revenue points to better cost control or operating leverage flowing through the P&L.
UTKARSHBNK quarter-wise results table
Net profit
-₹33.92 cr
+85.8% YoY
UTKARSH SMALL FIN BANK L (UTKARSHBNK) quarter-wise results — revenue, operating profit, net profit, margins, EPS and growth| Quarter | Revenue | Operating profit | Net profit | OPM | Net margin | EPS | Profit YoY | Profit QoQ |
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| Q1 FY272026-06-30 | ₹541 cr | — | -₹33.92 cr | — | -6.3% | ₹-0.19 | +85.8% | +82.0% |
| Q4 FY262026-03-31 | ₹491 cr | — | -₹188 cr | — | -38.3% | ₹-1.06 | — | +49.9% |
| Q3 FY262025-12-31 | ₹429 cr | — | -₹375 cr | — | -87.4% | ₹-2.46 | — | -7.6% |
| Q2 FY262025-09-30 | ₹448 cr | — | -₹348 cr | — | -77.8% | ₹-2.68 | — | -45.5% |
| Q1 FY262025-06-30 | ₹540 cr | — | -₹239 cr | — | -44.4% | ₹-2.17 | — | — |
| TTM (last 4 quarters) | ₹1,909 cr | — | -₹945 cr | — | -49.5% | ₹-6.39 | — | — |
Consolidated figures as reported to the exchanges, shown in ₹ crore. OPM = operating profit margin. Updated automatically whenever a new quarter is filed.
UTKARSHBNK quarterly income statement
Line-item results for the last six quarters as filed — sales, expenses, operating profit, interest, tax and profit after tax in ₹ crore.
UTKARSH SMALL FIN BANK L quarterly income statement| Particulars | Q1 FY272026-06-30 | Q4 FY262026-03-31 | Q3 FY262025-12-31 | Q2 FY262025-09-30 | Q1 FY262025-06-30 |
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| Revenue / Sales | ₹541 cr | ₹491 cr | ₹429 cr | ₹448 cr | ₹540 cr |
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| Interest cost | ₹461 cr | ₹461 cr | ₹473 cr | ₹489 cr | ₹479 cr |
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| Profit before tax | -₹45.41 cr | -₹232 cr | -₹491 cr | -₹465 cr | -₹319 cr |
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| Tax expense | -₹11.5 cr | -₹44.07 cr | -₹116 cr | -₹117 cr | -₹79.39 cr |
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| Effective tax rate | 25.3% | 19.0% | 23.6% | 25.1% | 24.9% |
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| Net profit (PAT) | -₹33.92 cr | -₹188 cr | -₹375 cr | -₹348 cr | -₹239 cr |
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| Net profit margin | -6.3% | -38.3% | -87.4% | -77.8% | -44.4% |
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| Basic EPS | ₹-0.19 | ₹-1.06 | ₹-2.46 | ₹-2.68 | ₹-2.17 |
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| Diluted EPS | ₹-0.19 | ₹-1.06 | ₹-2.46 | ₹-2.68 | ₹-2.17 |
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UTKARSHBNK results growth — YoY and QoQ
Quarterly growth rates, year on year and quarter on quarter| Growth | Q1 FY27 | Q4 FY26 | Q3 FY26 | Q2 FY26 | Q1 FY26 |
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| Revenue YoY | +0.2% | — | — | — | — |
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| Revenue QoQ | +10.1% | +14.6% | -4.2% | -17.0% | — |
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| Operating profit YoY | — | — | — | — | — |
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| Operating profit QoQ | — | — | — | — | — |
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| Net profit YoY | +85.8% | — | — | — | — |
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| Net profit QoQ | +82.0% | +49.9% | -7.6% | -45.5% | — |
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| EPS YoY | +91.2% | — | — | — | — |
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| EPS QoQ | +82.1% | +56.9% | +8.3% | -23.6% | — |
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UTKARSHBNK annual results history
Full-year performance for UTKARSH SMALL FIN BANK L, useful for reading each quarter in context.
UTKARSH SMALL FIN BANK L annual income statement| Particulars | FY262026-03-31 | FY252025-03-31 | FY242024-03-31 | FY232023-03-31 |
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| Revenue / Sales | ₹1,908 cr | ₹2,622 cr | ₹2,286 cr | ₹1,828 cr |
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| Interest cost | ₹1,902 cr | ₹1,742 cr | ₹1,293 cr | ₹976 cr |
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| Profit before tax | -₹1,507 cr | ₹27.65 cr | ₹659 cr | ₹536 cr |
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| Tax expense | -₹356 cr | ₹3.95 cr | ₹162 cr | ₹131 cr |
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| Effective tax rate | 23.6% | 14.3% | 24.5% | 24.5% |
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| Net profit (PAT) | -₹1,151 cr | ₹23.7 cr | ₹498 cr | ₹405 cr |
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| Net profit margin | -60.3% | 0.9% | 21.8% | 22.1% |
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| Basic EPS | ₹-8.37 | ₹0.19 | ₹4.79 | ₹3.13 |
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| Diluted EPS | ₹-8.37 | ₹0.19 | ₹4.75 | ₹3.13 |
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Revenue trend and demand read-through
Topline for Q1 FY27 came in at ₹541 cr against ₹540 cr in Q1 FY26, and ₹491 cr in the preceding Q4 FY26 quarter.
On a sequential basis revenue grew +10.1%. Sequential moves are the quickest read on demand momentum because they strip out the base effect of a year-old quarter, though seasonality can distort a single quarter.
Margins, tax and profitability
Net profit of -₹33.92 cr works out to a net margin of -6.3% compared with -44.4% in the year-ago quarter. Margin expansion of this kind usually reflects a better product or service mix, softer input costs, or tighter overheads.
Below the operating line, UTKARSH SMALL FIN BANK L reported profit before tax of -₹45.41 cr, a tax charge of -₹11.5 cr (effective rate 25.3%), interest cost of ₹461 cr. Reading these together with operating profit shows how much of the quarter's earnings were driven by the core business versus financing and tax movements.
Sequentially, net profit moved from -₹188 cr in Q4 FY26 to -₹33.92 cr in Q1 FY27, a change of +82.0%.
Trailing twelve months and annual context
Across the trailing four quarters UTKARSH SMALL FIN BANK L has generated revenue of ₹1,909 cr and net profit of -₹945 cr, a trailing net margin of -49.5%. The trailing view smooths out one-off quarters and is the number most valuation multiples are built on.
On a full-year basis, FY26 revenue was ₹1,908 cr with net profit of -₹1,151 cr and EPS of ₹-8.37, versus the prior year where revenue declined -27.2% and profit declined -4956.3%.
What to watch in the next UTKARSHBNK quarter
For the coming quarters the numbers worth tracking on this page are revenue momentum, the operating margin trend, the interest burden and whether EPS keeps pace with profit growth. A sustained run of year-on-year profit growth is what usually drives a re-rating rather than any single quarter.
UTKARSH SMALL FIN BANK L has not yet intimated its next results date to the exchange. This page refreshes automatically from filings and the board-meeting calendar, so the tables above will reflect the next quarter as soon as it is reported.
All figures here are as reported to the exchanges and shown in ₹ crore, without adjustment. This is information and analysis, not investment advice.
UTKARSHBNK results coverage
No results report published for UTKARSHBNK yet — our desk covers each quarter within minutes of the filing.
UTKARSHBNK quarterly results FAQs
What were UTKARSH SMALL FIN BANK L (UTKARSHBNK) Q1 FY27 results?
In Q1 FY27 (quarter ended 30 Jun 2026), UTKARSH SMALL FIN BANK L reported revenue of ₹541 cr and net profit of -₹33.92 cr, a change of +85.8% year on year on +0.2% revenue growth. EPS stood at ₹-0.19.
What is UTKARSHBNK profit margin in Q1 FY27?
UTKARSH SMALL FIN BANK L posted a net profit margin of -6.3% and an operating margin of not available in Q1 FY27. On a trailing twelve-month basis, revenue is ₹1,909 cr and net profit -₹945 cr.
Did UTKARSHBNK results beat the previous quarter?
UTKARSH SMALL FIN BANK L net profit changed +82.0% quarter on quarter, from -₹188 cr in Q4 FY26 to -₹33.92 cr in Q1 FY27.
When are UTKARSH SMALL FIN BANK L (UTKARSHBNK) quarterly results?
UTKARSH SMALL FIN BANK L has not yet intimated its next results date to the exchange. This page updates automatically from the exchange board-meeting calendar.
Where can I see UTKARSHBNK latest quarterly results?
Results coverage for UTKARSHBNK will appear here as soon as the company reports. Meanwhile you can track live price and technicals on the UTKARSHBNK stock page.
What is UTKARSH SMALL FIN BANK L annual revenue and profit?
For FY26, UTKARSH SMALL FIN BANK L reported full-year revenue of ₹1,908 cr and net profit of -₹1,151 cr, with EPS of ₹-8.37.
How many quarterly results has UTKARSHBNK declared recently?
Past results dates for UTKARSHBNK will be listed here from the exchange calendar.
Results dates sourced from the exchange board-meeting calendar; reported figures from company filings, last refreshed 12 Sept 2026. For information only, not investment advice.
