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Utkarsh Small F.

Q4 FY26Banks

Utkarsh Small F. Q4 FY26 earnings call: Revenue & Margins

Q4 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹14
Market cap₹2.5K Cr
Updated23 Aug 2026
Read4 min read

The short version

The bank targets loan book growth of 25% to 30% in the coming years. The bank expects a significant improvement in financial trajectory over the next few quarters.

From Utkarsh Small F.'s Q4 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • The bank targets loan book growth of 25% to 30% in the coming years.
  • Disbursements are expected to grow by 25%-30% with the same operating cost.
  • Secured lending is projected to comprise around 55% of the portfolio, up from current levels.
  • Improvement in collection performance and calibrated disbursements into higher-quality segments will support growth.
  • CASA ratio and granular, low-cost deposits are expected to improve, supporting sustainable growth.
  • The bank aims to achieve a sustained Return on Equity (ROE) of around 15% by FY '28.
  • Growth in newer product segments such as Micro LAP, Gold Loan, and Business Banking Group is anticipated.

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

  • The bank is undertaking the Utkarsh 2.0 technology transformation project, delivering benefits in automation, productivity, and risk control.
  • A new Core Banking System (CBS) is planned to be launched in Q2/Q3 of FY '27.
  • Investments are focused on improving underwriting, monitoring risk at scale, and enhancing operational efficiency.
  • There is no immediate plan for equity capital raise; instead, capital needs will be met through Tier-2 capital or offloading balance sheet items if required.
  • Strategic efforts include expanding the collections workforce, operationalizing specialized call centers, and reorganizing micro-banking branches for better control.

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

The transcript from Utkarsh Small Finance Bank Limited does not provide specific information on current or expected order book or pending orders. The discussion mainly focuses on: - Loan book growth targets of 25%-30% in the coming years. - Focus on secured lending comprising around 55% of the portfolio. - Emphasis on calibrated disbursements and improved asset quality. - Collection efforts and recovery from NPA/write-off pools.

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

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Continue your research

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Frequently Asked Questions

What were Utkarsh Small F. Q4 FY26 results?

The bank targets loan book growth of 25% to 30% in the coming years. The bank expects a significant improvement in financial trajectory over the next few quarters.

What is Utkarsh Small F. share price analysis?

Utkarsh Small F. currently shows a neutral. The stock trades at a P/E of N/A with a market cap of ₹2,498 Cr. Investors should review the full earnings analysis for detailed insights.

Is Utkarsh Small F. planning capital expenditure?

The bank is undertaking the Utkarsh 2.0 technology transformation project, delivering benefits in automation, productivity, and risk control.

Keep Utkarsh Small F. on your radar — track it to get its next earnings analysis in your feed.

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.