Utkarsh Small Finance Bank Q2 FY27: Total income Rs 1,002.28 cr, net loss narrows
For Q2 FY27, Utkarsh Small Finance Bank reported total income of Rs 1,002.28 cr and a net loss of Rs 69.85 cr, versus Rs 937.32 cr income and Rs 348.46 cr loss a year earlier.
Key takeaways
- Total income in Q2 FY27 was Rs 1,002.28 cr vs Rs 937.32 cr in Q2 FY26.
- Interest earned in Q2 FY27 was Rs 909.26 cr vs Rs 839.97 cr a year earlier.
- Operating profit before provisions was Rs 85.24 cr vs loss of Rs (3.32) cr in Q2 FY26.
- Provisions and contingencies were Rs 165.89 cr vs Rs 461.65 cr in Q2 FY26.
- Net loss after tax narrowed to Rs (69.85) cr from Rs (348.46) cr in Q2 FY26.
Q2 FY27 · standalone
| Metric | Sep 2026 | Sep 2025 | Change |
|---|---|---|---|
| Income | Rs 1,002.28 cr | Rs 937.32 cr | +6.9% |
| PAT | Rs (69.85) cr | Rs (348.46) cr | +79.9% |
As reported in the filing. Figures are transcribed, not computed.
- Total income (Q2 FY27): Rs 1,002.28 cr, up from Rs 937.32 cr in Q2 FY26 (statement of unaudited financial results)
- Interest earned (Q2 FY27): Rs 909.26 cr, vs Rs 839.97 cr in Q2 FY26
- Other income (Q2 FY27): Rs 93.02 cr, vs Rs 97.35 cr in Q2 FY26
- Total expenditure excl. provisions (Q2 FY27): Rs 917.04 cr, vs Rs 940.64 cr in Q2 FY26
- Operating profit before provisions (Q2 FY27): Rs 85.24 cr, vs a loss of Rs (3.32) cr in Q2 FY26
- Provisions and contingencies (Q2 FY27): Rs 165.89 cr, vs Rs 461.65 cr in Q2 FY26
- Profit / (loss) before tax (Q2 FY27): Rs (80.64) cr, vs Rs (464.97) cr in Q2 FY26
- Net profit / (loss) after tax (Q2 FY27): Rs (69.85) cr, vs Rs (348.46) cr in Q2 FY26
- Paid-up equity share capital: Rs 1,779.52 cr, vs Rs 1,101.61 cr in Q2 FY26
- Basic EPS (Q2 FY27): Rs (0.39), vs Rs (3.16) in Q2 FY26
- Diluted EPS (Q2 FY27): Rs (0.39), vs Rs (3.16) in Q2 FY26
According to the statement of unaudited financial results for the quarter ended September 30, 2026, Utkarsh Small Finance Bank’s total income for Q2 FY27 stood at Rs 1,002.28 cr, compared with Rs 937.32 cr in the corresponding quarter a year earlier. Interest earned rose to Rs 909.26 cr from Rs 839.97 cr year-on-year, while other income was Rs 93.02 cr versus Rs 97.35 cr in Q2 FY26.
On the cost side, interest expended in Q2 FY27 was Rs 473.95 cr, compared with Rs 489.50 cr in Q2 FY26. Operating expenses (employees cost plus other operating expenses) were Rs 443.09 cr against Rs 451.15 cr a year earlier. Total expenditure excluding provisions and contingencies was Rs 917.04 cr, slightly lower than Rs 940.64 cr in the year-ago quarter. This resulted in an operating profit before provisions and contingencies of Rs 85.24 cr, versus an operating loss of Rs (3.32) cr in Q2 FY26.
Provisions (other than tax) and contingencies for Q2 FY27 were Rs 165.89 cr, significantly lower than Rs 461.65 cr in Q2 FY26. After provisions, the bank reported a loss before tax of Rs (80.64) cr, compared with a loss of Rs (464.97) cr in the same quarter last year. Net loss after tax narrowed to Rs (69.85) cr in Q2 FY27 from Rs (348.46) cr in Q2 FY26. Basic and diluted earnings per share for the quarter were Rs (0.39), versus Rs (3.16) a year earlier, on a higher paid-up equity share capital base of Rs 1,779.52 cr compared with Rs 1,101.61 cr in the corresponding prior period.
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