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Utkarsh Small F.

Q1 FY27Banks

Utkarsh Small F. Q1 FY27 earnings call: Revenue & Margins

Q1 FY27 earnings call: what management guided on revenue, margins and order book.

Price₹15
Market cap₹2.6K Cr
Updated25 Aug 2026
Read4 min read

What the Q1 FY27 call signalled

2 of 5 strong

RevenueGood growth
MarginMargins steady
CapexNo capex planned
FundraiseNo fundraise planned
Order bookOrder book rising

The short version

Targeting loan book growth of 25% to 30% year-on-year, including FY27 and FY28. Loan book growth guidance: 25% to 30% year-on-year, with secured lending comprising ~55% of the portfolio (Page 7).

From Utkarsh Small F.'s Q1 FY27 earnings-call transcript · updated 25 Aug 2026.

Revenue & Sales Performance

Good growth
  • Targeting loan book growth of 25% to 30% year-on-year, including FY27 and FY28.
  • JLG (Joint Liability Group) and Micro Banking to grow at a more conservative 15%-20%, remaining around 25% of portfolio.
  • Disbursements grew 49% YoY in Q1 FY27, reflecting strong recovery momentum.
  • Non-JLG disbursements grew 93% YoY; JLG disbursements up 5% YoY.
  • Deposit growth steady at 3% YoY; CASA and retail term deposits grew 15% YoY, improving deposit mix and reducing cost of funds.
  • Focus on improving income-accruing assets with normalized credit costs and higher disbursements leading to steady AUM growth.
  • Operating cost to remain stable with no expansion plans; productivity improvement expected to drive incremental operating profit.

2 more points from Utkarsh Small F.'s call on revenue

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Profitability & Margins

See what Utkarsh Small F. said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

No capex planned
  • The bank plans to raise around INR 500 crores through Tier 2 Non-Convertible Debentures (NCDs) in the current year to accelerate growth initiatives and reinforce capital adequacy.
  • No equity capital raise is anticipated at least till the end of FY27, as the bank expects to achieve sufficient capital through internal accruals and Tier 2 instruments.
  • Strategic investment focus includes technology transformation under the "Utkarsh 2.0" project, involving automation, digital underwriting tools, and a new Core Banking System (CBS) to improve efficiency, risk control, and customer experience.

2 more points from Utkarsh Small F.'s call on capex

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Top-ranked in Banks

Ranked on what management guided this quarter

Guidance-ranked
1Canara Bank
Rev 2Mar 3
2AU Small Finance
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what Utkarsh Small F. said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

Order book rising
The provided transcript from Utkarsh Small Finance Bank Limited's Q1 FY27 Earnings Call does not mention any details about the current or expected order book or pending orders. The discussion primarily focuses on: - Loan book growth and portfolio composition - Asset quality and credit cost improvements - Disbursement growth trends, including JLG and non-JLG segments - Operational and technological enhancements

2 more points from Utkarsh Small F.'s call on order book

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Continue your research

What Utkarsh Small Finance Bank Ltd's management said in earlier quarters

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Frequently Asked Questions

What were Utkarsh Small F. Q1 FY27 results?

Targeting loan book growth of 25% to 30% year-on-year, including FY27 and FY28. Loan book growth guidance: 25% to 30% year-on-year, with secured lending comprising ~55% of the portfolio (Page 7).

What is Utkarsh Small F. share price analysis?

Utkarsh Small F. currently shows a moderate growth signal based on ranking data. The stock trades at a P/E of N/A with a market cap of ₹2,568 Cr. Investors should review the full earnings analysis for detailed insights.

Is Utkarsh Small F. planning capital expenditure?

The bank plans to raise around INR 500 crores through Tier 2 Non-Convertible Debentures (NCDs) in the current year to accelerate growth initiatives and reinforce capital adequacy.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.