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Utkarsh Small Finance Bank Shifts Focus to Secured Lending Amid Q1 Losses

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Utkarsh Small Finance Bank Shifts Focus to Secured Lending Amid Q1 Losses

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The latest update is out from Utkarsh Small Finance Bank Limited ( (IN:UTKARSHBNK) ).

Utkarsh Small Finance Bank Limited reported its financial results for the quarter ended June 30, 2025, highlighting a strategic shift towards secured lending amid challenging conditions. The bank’s gross loan portfolio grew by 2.3% year-over-year, while deposits increased by 18.3%, driven by a 33.7% rise in retail term deposits. Despite a net loss of ₹239 crore, the bank focused on de-risking its portfolio, with secured loans now comprising 45% of the total, up from 35% the previous year. The bank’s efforts to optimize yields in secured products and a cautious approach to unsecured micro-banking are aimed at improving long-term asset quality, although they have impacted short-term interest income. The bank is also working towards enhancing margins and scalability as new branches mature.

More about Utkarsh Small Finance Bank Limited

Utkarsh Small Finance Bank Limited operates in the financial services industry, focusing on providing banking services. The bank offers a range of products including loans and deposits, with a significant emphasis on retail term deposits and secured lending. It has a presence across 27 states and union territories in India, with a network of 1,099 branches.

Average Trading Volume: 431,826

Technical Sentiment Signal: Sell

Current Market Cap: 24.14B INR

For a thorough assessment of UTKARSHBNK stock, go to TipRanks’ Stock Analysis page.

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