Date: July 05, 2026

Business Updates for Quarter Ended June 30, 2026 (Q1 FY27)

Disbursements Performance

  • Total Disbursements: ₹3,370 crore (provisional) for Q1 FY27, showing 48.5% YoY growth from ₹2,269 crore in Q1 FY26, but declined 19.9% QoQ from ₹4,207 crore in Q4 FY26
  • JLG Disbursements: ₹1,190 crore in Q1 FY27, up 4.5% YoY from ₹1,139 crore in Q1 FY26, but down 16.5% QoQ from ₹1,425 crore in Q4 FY26
  • Non-JLG Disbursements: ₹2,180 crore in Q1 FY27, showing significant 92.9% YoY growth from ₹1,130 crore in Q1 FY26, but declined 21.6% QoQ from ₹2,782 crore in Q4 FY26
  • Note: All eligible Micro banking disbursements from January 17, 2025 onwards are covered under the CGFMU Scheme

Loan Portfolio

  • Gross Loan Portfolio: ₹19,612 crore as of Q1 FY27, up 2.0% YoY from ₹19,224 crore in Q1 FY26 and up 1.4% QoQ from ₹19,332 crore in Q4 FY26 (including IBPC issued by the Bank)
  • JLG Loan Portfolio: ₹5,480 crore as of Q1 FY27, declined 36.1% YoY from ₹8,578 crore in Q1 FY26 and declined 5.3% QoQ from ₹5,789 crore in Q4 FY26
  • Non-JLG Loan Portfolio: ₹14,132 crore as of Q1 FY27, up 32.7% YoY from ₹10,646 crore in Q1 FY26 and up 4.3% QoQ from ₹13,543 crore in Q4 FY26

Portfolio Mix

  • JLG : Non-JLG: 28:72 in Q1 FY27 compared to 45:55 in Q1 FY26 and 30:70 in Q4 FY26
  • MB : Non-MB: 37:63 in Q1 FY27 compared to 47:53 in Q1 FY26 and 38:62 in Q4 FY26
  • Secured : Unsecured: 51:49 in Q1 FY27 compared to 45:55 in Q1 FY26 and 51:49 in Q4 FY26

Deposits Performance

  • Total Deposits: ₹22,053 crore as of Q1 FY27, up 2.6% YoY from ₹21,489 crore in Q1 FY26 and up 1.8% QoQ from ₹21,654 crore in Q4 FY26
  • CASA Deposits: ₹4,867 crore as of Q1 FY27, up 15.1% YoY from ₹4,229 crore in Q1 FY26, but declined 6.3% QoQ from ₹5,196 crore in Q4 FY26
  • Retail Term Deposits: ₹13,393 crore as of Q1 FY27, up 14.7% YoY from ₹11,675 crore in Q1 FY26 and up 5.3% QoQ from ₹12,720 crore in Q4 FY26
  • Bulk Term Deposits: ₹3,794 crore as of Q1 FY27, declined 32.1% YoY from ₹5,585 crore in Q1 FY26 and up 1.5% QoQ from ₹3,738 crore in Q4 FY26

Deposits Ratio

  • CASA Ratio: 22.1% in Q1 FY27 compared to 19.7% in Q1 FY26 and 24.0% in Q4 FY26
  • CASA + Retail Term Deposits Ratio: 82.8% in Q1 FY27 compared to 74.0% in Q1 FY26 and 82.7% in Q4 FY26

Asset Quality Metrics (Micro-Banking)

  • X Bucket Collection Efficiency: 99.63% in Q1 FY27 compared to 99.69% in Q4 FY26, 99.08% in Q3 FY26, and 98.62% in Q2 FY26
  • SMA Pool %: 1.20% in Q1 FY27 compared to 1.33% in Q4 FY26, 3.18% in Q3 FY26, and 4.87% in Q2 FY26

Liquidity Position

  • Liquidity Coverage Ratio (LCR): Stood at 223% as on June 30, 2026

Important Note

  • The information for Q1 FY27 is provisional and subject to review by the Joint Statutory Auditors of the Bank and approval of the Audit Committee and Board of Directors
  • The disclosure will also be available on the Bank's website: www.utkarsh.bank.in