Utkarsh Small Finance Bank Limited has released its business updates for the quarter and year ended March 31, 2025, showcasing steady growth in both its loan and deposit portfolios.
The bank’s gross loan portfolio stood at ₹19,666 crore, marking a year-on-year (YoY) increase of 7.5% and a quarter-on-quarter (QoQ) growth of 3.2%, reflecting a consistent demand for credit across segments.
A notable shift is visible in the composition of the bank’s loan book. The Joint Liability Group (JLG) loan portfolio declined by 17% YoY to ₹9,207 crore, and by 5.4% QoQ, indicating a strategic realignment or cautious lending in this segment. On the other hand, the non-JLG loan portfolio rose sharply by 45.1% YoY to ₹10,459 crore, and 12.2% QoQ, highlighting the bank’s focus on diversification and growth in individual and secured loan categories.
On the deposit front, the bank reported total deposits of ₹21,566 crore, a significant YoY rise of 23.4% and a QoQ growth of 6.9%. The bank’s retail deposit base continued to strengthen, with CASA (Current Account and Savings Account) deposits reaching ₹4,692 crore, up 31% YoY and 18.1% QoQ. Retail term deposits also saw a robust 33.5% growth YoY to ₹10,635 crore, while bulk term deposits grew modestly by 5.3% to ₹6,238 crore.
The CASA ratio improved to 21.8% as of March 31, 2025, compared to 20.5% a year ago. The combined ratio of CASA and retail term deposits stood at 71.1%, up from 66.1% in the previous year, indicating a healthier and more stable deposit mix.
Utkarsh SFB also maintained a liquidity position, with the Liquidity Coverage Ratio (LCR) at 193% as of March 31, 2025.
On April 7, 2025, Utkarsh Small Finance Bank share price (NSE: UTKARSHBNK) opened at ₹22.98, down from its previous close of ₹23.24. At 10:02 AM, the share price of Utkarsh Small Finance Bank was trading at ₹22.11, down by 4.86% on the NSE.
Overall, Utkarsh Small Finance Bank’s Q4 FY25 update reflects strategic growth in its core areas, deposit mobilisation, and a shift towards a more diversified and resilient loan book.
Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.
Investments in the securities market are subject to market risks, read all the related documents carefully before investing.
Published on: Apr 7, 2025, 10:06 AM IST
Nikitha Devi
Nikitha is a content creator with 6+ years of experience in the financial domain. Specialising in personal finance, investments, and market insights, Nikitha simplifies complex financial topics, making them accessible to readers.
Know MoreWe're Live on WhatsApp! Join our channel for market insights & updates
Get the link to download the App
