Utkarsh Small Finance Bank reported a significant increase in secured loans for Q4 FY26, accounting for 51% of the portfolio compared to 43% last year. The bank also saw an improved Current Account Savings Account (CASA) ratio to 24%, and a decrease in bulk deposits by 40%. As a result, the stock traded at Rs. 11.78, with an intraday high of Rs. 11.85.

Utkarsh Small Finance Bank has submitted a combined petition to the National Company Law Tribunal (NCLT) seeking approval for a merger. This step comes after receiving approval from both shareholders and creditors, further details can be found on their website.

Utkarsh Small Finance Bank's quarterly disbursements significantly increased by 30.1% year-over-year to ₹4,207 crores in Q4 FY26. However, the bank's gross loan portfolio saw a decrease of 1.7% YoY. The bank managed to grow its deposits by 0.4% YoY, reaching ₹21,654 crores.

Utkarsh Small Finance Bank has offloaded approximately 14.9 billion INR in non-performing loans for just over 1.95 billion INR, marking a significant reduction in their problematic debt portfolio.

Utkarsh Small Finance Bank has successfully offloaded non-performing MFI loans to Asset Reconstruction Companies (ARCs) using the Swiss Challenge method, marking the completion of the portfolio transfer process for these stressed unsecured accounts.