News

Utkarsh SFB Q3 Update: Gross loans down 4% to ₹18,306 crore; deposits up 5%Utkarsh Small Finance Bank reported its business update for the quarter ended December 31, 2025, with a gross loan portfolio of ₹18,306 crore, deposits of ₹21,087 crore, a CASA ratio of 21.9%, and a liquidity coverage ratio of 200%. Shares of Utkarsh Small Finance Bank Ltd ended at ₹15.11, down by ₹0.22, or 1.44%, on the BSE today, January 5.By Jomy Jos Pullokaran  January 5, 2026, 6:47:02 PM IST (Published)2 Min ReadUtkarsh Small Finance Bank Ltd on Monday (January 5) reported its business updates for the quarter and nine months ended December 31, 2025.

The bank’s gross loan portfolio stood at ₹18,306 crore on December 31, 2025, compared with ₹19,057 crore a year earlier, marking a year-on-year decline of 3.9%. On a quarter-on-quarter basis, the gross loan portfolio declined 1.9% from ₹18,655 crore on September 30, 2025. The figures include inter-bank participation certificates issued by the bank.

The joint liability group (JLG) loan portfolio declined 34.1% year-on-year to ₹6,419 crore on December 31, 2025, and was down 15.7% sequentially. In contrast, the non-JLG loan portfolio increased 27.5% year-on-year to ₹11,888 crore and rose 7.7% on a quarter-on-quarter basis.

Also Read: Utkarsh Small Finance Bank launches 3-in-1 account in partnership with Axis Securities

Total deposits increased 4.5% year-on-year to ₹21,087 crore on December 31, 2025, though they declined 1.7% sequentially from ₹21,447 crore. CASA deposits rose 16.1% year-on-year to ₹4,611 crore and increased 2.9% quarter-on-quarter. The CASA ratio improved to 21.9% on December 31, 2025, compared with 19.7% a year earlier and 20.9% in the previous quarter.

Retail term deposits grew 23.8% year-on-year to ₹12,586 crore and were up 2.7% sequentially. Bulk term deposits declined 35.6% year-on-year to ₹3,890 crore and fell 17.4% quarter-on-quarter. The CASA plus retail term deposits ratio stood at 81.6% on December 31, 2025, compared with 70.1% a year earlier and 78.1% in the previous quarter.

For the quarter, the X bucket collection efficiency, excluding pre-payments, for the bank’s micro banking loan portfolio was 99.1%. The liquidity coverage ratio stood at 200% as of December 31, 2025.

Also Read: Utkarsh Small Finance Bank shares in focus after board approves ₹950 crore rights issue

Shares of Utkarsh Small Finance Bank Ltd ended at ₹15.11, down by ₹0.22, or 1.44%, on the BSE today, January 5.Continue Reading(Edited by : Shoma Bhattacharjee)Tagsshare market todayUtkarsh Small Finance Bank