Utkarsh Small Finance Bank Share Price Surges Over 2%; Q2 FY27 Disbursements Rise 54.9% to ₹3,525 Crore

Utkarsh Small Finance Bank’s gross loan portfolio reached ₹20,063 crore in September 2026, compared with ₹18,655 crore in Q2 FY26, as per an exchange filing dated October 6, 2026. It was higher than ₹19,610 crore in the previous quarter. 

Non-JLG loans made up ₹14,917 crore of the portfolio, rising 35.1% from a year earlier. The JLG portfolio fell 32.4% to ₹5,146 crore. As a result, the JLG to non-JLG mix stood at 26:74, against 41:59 in Q2 FY26. 

Total Disbursements 

Total disbursements in Q2 FY27 were ₹3,525 crore, compared with ₹2,275 crore in the same quarter last year. It was 4.6% above ₹3,370 crore in Q1 FY27. 

Non-JLG disbursements nearly doubled from ₹1,340 crore a year earlier to ₹2,602 crore. JLG disbursements were ₹923 crore, compared with ₹935 crore in Q2 FY26 and ₹1,190 crore in the previous quarter. 

Deposit Base 

The bank had total deposits of ₹23,869 crore in Q2 FY27. This was 6.6% higher than ₹22,385 crore a year earlier and 3.3% above ₹23,107 crore in Q1 FY27. 

CASA deposits rose 14.3% year-on-year to ₹5,121 crore. Retail term deposits increased 11.8% to ₹14,442 crore. Bulk term deposits declined 13.5% to ₹4,307 crore. 

Deposit Mix 

The CASA ratio stood at 21.5%, compared with 20.0% in Q2 FY26. CASA and retail term deposits accounted for 82.0% of total deposits, against 77.8% a year earlier. 

The secured to unsecured loan mix was 52:48 in Q2 FY27, compared with 47:53 in Q2 FY26. The micro-banking to non-micro-banking mix remained at 37:63. 

Collections and Liquidity 

X Bucket collection efficiency was 99.53%, compared with 98.62% in Q2 FY26. The SMA pool stood at 1.48%, against 4.87% a year earlier. The Liquidity Coverage Ratio was 176% as of September 30, 2026.  

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Utkarsh Small Finance Bank Share Price Performance 

As of October 7, 2026, 11:25 am, Utkarsh Small Finance Bank share price was trading at ₹13.90, a 2.81% increase from the previous closing price. 

Conclusion 

Q2 FY27 figures point to higher disbursements, a larger loan book, and higher deposits. The portfolio also had a lower share of JLG loans. The figures are provisional and subject to review and approval. 

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