5439422026-01-012026-03-315439422026-03-315439422025-03-315439422025-04-012026-03-315439422026-01-012026-03-31in-capmkt:OtherOperatingExpenses1Member5439422026-01-012026-03-31in-capmkt:OtherOperatingExpenses2Member5439422026-01-012026-03-31in-capmkt:OtherOperatingExpenses3Member5439422026-01-012026-03-31in-capmkt:OtherOperatingExpenses4Member5439422026-01-012026-03-31in-capmkt:OtherOperatingExpenses5Member5439422026-01-012026-03-31in-capmkt:OtherOperatingExpenses6Member5439422026-01-012026-03-31in-capmkt:OtherOperatingExpenses7Member5439422026-01-012026-03-31in-capmkt:OtherOperatingExpenses8Member5439422026-01-012026-03-31in-capmkt:OtherOperatingExpenses9Member5439422026-01-012026-03-31in-capmkt:OtherOperatingExpenses10Member5439422025-04-012026-03-31in-capmkt:OtherOperatingExpenses1Member5439422025-04-012026-03-31in-capmkt:OtherOperatingExpenses2Member5439422025-04-012026-03-31in-capmkt:OtherOperatingExpenses3Member5439422025-04-012026-03-31in-capmkt:OtherOperatingExpenses4Member5439422025-04-012026-03-31in-capmkt:OtherOperatingExpenses5Member5439422025-04-012026-03-31in-capmkt:OtherOperatingExpenses6Member5439422025-04-012026-03-31in-capmkt:OtherOperatingExpenses7Member5439422025-04-012026-03-31in-capmkt:OtherOperatingExpenses8Member5439422025-04-012026-03-31in-capmkt:OtherOperatingExpenses9Member5439422025-04-012026-03-31in-capmkt:OtherOperatingExpenses10Member5439422026-03-31OtherLiabilitiesAndProvisionsDomain15439422026-03-31OtherLiabilitiesAndProvisionsDomain25439422026-03-31OtherLiabilitiesAndProvisionsDomain35439422026-03-31OtherLiabilitiesAndProvisionsDomain45439422026-03-31OtherLiabilitiesAndProvisionsDomain55439422026-03-31OtherAssetsDomain15439422026-03-31OtherAssetsDomain25439422026-03-31OtherAssetsDomain35439422026-03-31OtherAssetsDomain45439422026-03-31OtherAssetsDomain55439422026-03-31OtherAssetsDomain65439422026-03-31OtherAssetsDomain75439422026-01-012026-03-31in-capmkt:ReportableSegments1Member5439422026-01-012026-03-31in-capmkt:ReportableSegments2Member5439422026-01-012026-03-31in-capmkt:ReportableSegments3Member5439422026-01-012026-03-31in-capmkt:ReportableSegments4Member5439422026-01-012026-03-31in-capmkt:ReportableSegments5Member5439422025-04-012026-03-31in-capmkt:ReportableSegments1Member5439422025-04-012026-03-31in-capmkt:ReportableSegments2Member5439422025-04-012026-03-31in-capmkt:ReportableSegments3Member5439422025-04-012026-03-31in-capmkt:ReportableSegments4Member5439422025-04-012026-03-31in-capmkt:ReportableSegments5Member5439422026-01-012026-03-31in-capmkt:ReportableSegments1Member5439422026-01-012026-03-31in-capmkt:ReportableSegments2Member5439422026-01-012026-03-31in-capmkt:ReportableSegments3Member5439422026-01-012026-03-31in-capmkt:ReportableSegments4Member5439422026-01-012026-03-31in-capmkt:ReportableSegments5Member5439422025-04-012026-03-31in-capmkt:ReportableSegments1Member5439422025-04-012026-03-31in-capmkt:ReportableSegments2Member5439422025-04-012026-03-31in-capmkt:ReportableSegments3Member5439422025-04-012026-03-31in-capmkt:ReportableSegments4Member5439422025-04-012026-03-31in-capmkt:ReportableSegments5Member5439422026-01-012026-03-31in-capmkt:ReportableSegments1Member5439422026-03-31in-capmkt:ReportableSegments1Member5439422026-01-012026-03-31in-capmkt:ReportableSegments2Member5439422026-03-31in-capmkt:ReportableSegments2Member5439422026-01-012026-03-31in-capmkt:ReportableSegments3Member5439422026-03-31in-capmkt:ReportableSegments3Member5439422026-01-012026-03-31in-capmkt:ReportableSegments4Member5439422026-03-31in-capmkt:ReportableSegments4Member5439422026-01-012026-03-31in-capmkt:ReportableSegments5Member5439422026-03-31in-capmkt:ReportableSegments5Member5439422026-01-012026-03-31in-capmkt:ReportableSegments1Member5439422026-03-31in-capmkt:ReportableSegments1Member5439422026-01-012026-03-31in-capmkt:ReportableSegments2Member5439422026-03-31in-capmkt:ReportableSegments2Member5439422026-01-012026-03-31in-capmkt:ReportableSegments3Member5439422026-03-31in-capmkt:ReportableSegments3Member5439422026-01-012026-03-31in-capmkt:ReportableSegments4Member5439422026-03-31in-capmkt:ReportableSegments4Member5439422026-01-012026-03-31in-capmkt:ReportableSegments5Member5439422026-03-31in-capmkt:ReportableSegments5Member5439422026-01-012026-03-31RelatedPartyTransactionDomain15439422025-12-31RelatedPartyTransactionDomain15439422026-03-31RelatedPartyTransactionDomain15439422026-01-012026-03-31RelatedPartyTransactionDomain25439422025-12-31RelatedPartyTransactionDomain25439422026-03-31RelatedPartyTransactionDomain25439422026-01-012026-03-31RelatedPartyTransactionDomain35439422025-12-31RelatedPartyTransactionDomain35439422026-03-31RelatedPartyTransactionDomain35439422026-01-012026-03-31RelatedPartyTransactionDomain45439422025-12-31RelatedPartyTransactionDomain45439422026-03-31RelatedPartyTransactionDomain45439422026-01-012026-03-31RelatedPartyTransactionDomain55439422025-12-31RelatedPartyTransactionDomain55439422026-03-31RelatedPartyTransactionDomain55439422026-01-012026-03-31RelatedPartyTransactionDomain65439422025-12-31RelatedPartyTransactionDomain65439422026-03-31RelatedPartyTransactionDomain65439422026-01-012026-03-31RelatedPartyTransactionDomain75439422025-12-31RelatedPartyTransactionDomain75439422026-03-31RelatedPartyTransactionDomain75439422026-01-012026-03-31RelatedPartyTransactionDomain85439422025-12-31RelatedPartyTransactionDomain85439422026-03-31RelatedPartyTransactionDomain85439422026-01-012026-03-31RelatedPartyTransactionDomain95439422025-12-31RelatedPartyTransactionDomain95439422026-03-31RelatedPartyTransactionDomain95439422026-01-012026-03-31RelatedPartyTransactionDomain105439422025-12-31RelatedPartyTransactionDomain105439422026-03-31RelatedPartyTransactionDomain105439422026-01-012026-03-31RelatedPartyTransactionDomain115439422025-12-31RelatedPartyTransactionDomain115439422026-03-31RelatedPartyTransactionDomain115439422026-01-012026-03-31RelatedPartyTransactionDomain125439422025-12-31RelatedPartyTransactionDomain125439422026-03-31RelatedPartyTransactionDomain125439422026-01-012026-03-31RelatedPartyTransactionDomain135439422025-12-31RelatedPartyTransactionDomain135439422026-03-31RelatedPartyTransactionDomain135439422026-01-012026-03-31RelatedPartyTransactionDomain145439422025-12-31RelatedPartyTransactionDomain145439422026-03-31RelatedPartyTransactionDomain145439422026-01-012026-03-31RelatedPartyTransactionDomain155439422025-12-31RelatedPartyTransactionDomain155439422026-03-31RelatedPartyTransactionDomain155439422026-01-012026-03-31RelatedPartyTransactionDomain165439422025-12-31RelatedPartyTransactionDomain165439422026-03-31RelatedPartyTransactionDomain165439422026-01-012026-03-31RelatedPartyTransactionDomain175439422025-12-31RelatedPartyTransactionDomain175439422026-03-31RelatedPartyTransactionDomain175439422026-01-012026-03-31RelatedPartyTransactionDomain185439422025-12-31RelatedPartyTransactionDomain185439422026-03-31RelatedPartyTransactionDomain185439422026-01-012026-03-31RelatedPartyTransactionDomain195439422025-12-31RelatedPartyTransactionDomain195439422026-03-31RelatedPartyTransactionDomain195439422026-01-012026-03-31RelatedPartyTransactionDomain205439422025-12-31RelatedPartyTransactionDomain205439422026-03-31RelatedPartyTransactionDomain205439422026-01-012026-03-31RelatedPartyTransactionDomain215439422025-12-31RelatedPartyTransactionDomain215439422026-03-31RelatedPartyTransactionDomain215439422026-01-012026-03-31RelatedPartyTransactionDomain225439422025-12-31RelatedPartyTransactionDomain225439422026-03-31RelatedPartyTransactionDomain225439422026-01-012026-03-31RelatedPartyTransactionDomain235439422025-12-31RelatedPartyTransactionDomain235439422026-03-31RelatedPartyTransactionDomain235439422026-01-012026-03-31RelatedPartyTransactionDomain245439422025-12-31RelatedPartyTransactionDomain245439422026-03-31RelatedPartyTransactionDomain245439422026-01-012026-03-31RelatedPartyTransactionDomain255439422025-12-31RelatedPartyTransactionDomain255439422026-03-31RelatedPartyTransactionDomain255439422026-01-012026-03-31RelatedPartyTransactionDomain265439422025-12-31RelatedPartyTransactionDomain265439422026-03-31RelatedPartyTransactionDomain265439422026-01-012026-03-31RelatedPartyTransactionDomain275439422025-12-31RelatedPartyTransactionDomain275439422026-03-31RelatedPartyTransactionDomain275439422026-01-012026-03-31RelatedPartyTransactionDomain285439422025-12-31RelatedPartyTransactionDomain285439422026-03-31RelatedPartyTransactionDomain285439422026-01-012026-03-31RelatedPartyTransactionDomain295439422025-12-31RelatedPartyTransactionDomain295439422026-03-31RelatedPartyTransactionDomain295439422026-01-012026-03-31RelatedPartyTransactionDomain305439422025-12-31RelatedPartyTransactionDomain305439422026-03-31RelatedPartyTransactionDomain305439422026-01-012026-03-31RelatedPartyTransactionDomain315439422025-12-31RelatedPartyTransactionDomain315439422026-03-31RelatedPartyTransactionDomain315439422026-01-012026-03-31RelatedPartyTransactionDomain325439422025-12-31RelatedPartyTransactionDomain325439422026-03-31RelatedPartyTransactionDomain325439422026-01-012026-03-31RelatedPartyTransactionDomain335439422025-12-31RelatedPartyTransactionDomain335439422026-03-31RelatedPartyTransactionDomain335439422026-01-012026-03-31RelatedPartyTransactionDomain345439422025-12-31RelatedPartyTransactionDomain345439422026-03-31RelatedPartyTransactionDomain345439422026-01-012026-03-31RelatedPartyTransactionDomain355439422025-12-31RelatedPartyTransactionDomain355439422026-03-31RelatedPartyTransactionDomain355439422026-01-012026-03-31RelatedPartyTransactionDomain365439422025-12-31RelatedPartyTransactionDomain365439422026-03-31RelatedPartyTransactionDomain365439422026-01-012026-03-31RelatedPartyTransactionDomain375439422025-12-31RelatedPartyTransactionDomain375439422026-03-31RelatedPartyTransactionDomain375439422026-01-012026-03-31RelatedPartyTransactionDomain385439422025-12-31RelatedPartyTransactionDomain385439422026-03-31RelatedPartyTransactionDomain385439422026-01-012026-03-31RelatedPartyTransactionDomain395439422025-12-31RelatedPartyTransactionDomain395439422026-03-31RelatedPartyTransactionDomain395439422026-01-012026-03-31RelatedPartyTransactionDomain405439422025-12-31RelatedPartyTransactionDomain405439422026-03-31RelatedPartyTransactionDomain405439422026-01-012026-03-31AuditorDomain15439422026-01-012026-03-31AuditorDomain2iso4217:INRxbrli:pureiso4217:INRxbrli:shares543942UTKARSHBNKNAINE735W01017UTKARSH SMALL FINANCE BANK LIMITEDEquity2025-04-012026-03-312026-05-092026-05-06INRLakhsQuarterlyFourth quarterMulti segment2026-05-0914:00:002026-05-0920:00:00trueCash Flow IndirectDeclaration of unmodified opiniontruetrueYesYesfalsetrue2026-03-15https://www.utkarsh.bank.in/uploads/template_forty_pdf/RPT_and_Arms_Length_Policy.pdffalsefalseNot Applicable2026-01-012026-03-31AuditedStandalone69517720001194587000221164000230008367546000115315600095207020004606485000237327100024178560004791127000939761200012309000024439300000-2320840000-440684000-18801560000-1880156000-1880156000177952370001000.14980-1.06-1.06-1.06-1.061459902100059405440000.07710.0329-0.00672025-04-012026-03-31AuditedStandalone28457516000401679000013133950001030003378780400043096650003809746900019020383000947962400090339640001851358800037533971000563498000156296340000-15066136000-3556352000-115097840000-11509784000-115097840001779523700010996078200000.14980-8.37-8.37-8.37-8.371459902100059405440000.07710.0329-0.0416Rent, taxes and lighting232189000Printing and stationery33365000Advertisement and publicity49050000Depreciation on Bank's property191213000Director’s fees allowances and expenses8766000Auditors' fees and expenses4406000Law charges131233000Postage, telegrams, telephones, etc.89962000Repairs and maintenance69756000Insurance and Other Expenditure1607916000Rent, taxes and lighting918007000Printing and stationery147877000Advertisement and publicity142917000Depreciation on Bank's property773300000Director’s fees allowances and expenses31810000Auditors' fees and expenses15946000Law charges380203000Postage, telegrams, telephones, etc.375718000Repairs and maintenance287920000Insurance and Other Expenditure5960266000177952370009960782000216539804000282943910001610052700028869074100016921447000629084200069140504000180695890000457829700011063761000288690741000Bills payable1386758000Inter office adjustments (net)0Interest accrued10324833000Standard asset provisions636220000Others (including provisions)3752716000Inter-office adjustment (net)0Interest accrued2746783000Tax Paid in advance/tax deducted at source (net of provision)30659000Stationery and stamps0Non-banking assets acquired in satisfaction of claims0Deferred Tax Asset (net)4731626000Others3554693000Retail7309562000Wholesale793899000Treasury1417241000Unallocated0Capital & other reserves0Retail29482578000Wholesale2893480000Treasury5721411000Unallocated0Capital & other reserves095207020003809746900000952070200038097469000Retail-2021225000Wholesale27088000Treasury-326703000Unallocated0Capital & other reserves0Retail-14652976000Wholesale244950000Treasury-658110000Unallocated0Capital & other reserves0-2320840000-150661360000000-2320840000-15066136000Retail153747655000Wholesale30857898000Treasury93703401000Unallocated10381787000Capital & other reserves02886907410000288690741000Retail184017037000Wholesale48261601000Treasury28437136000Unallocated218946000Capital & other reserves277560210002886907410000288690741000-15066136000020742510000000-41035600001018672600001185062100007046395000-6730360008828140003796916000011053089000229037100007837574000000306590000780691500000780691500000000000713760001494625000000000000-316625150000-3308576400000-330857640009378194000003353443310003305975980000000141249270000014124927000-111539220000-111539220003436582600023211904000Utkarsh Small Finance Bank Limited******Govind Singh******Managing Director and CEO - KMPInterest paidApproved000Utkarsh Small Finance Bank Limited******Govind Singh******Managing Director and CEO - KMPAny other transactionESOP GrantedApproved1310700000Utkarsh Small Finance Bank Limited******Revati Govind Singh******Relative of KMPAny other transactionDeposit AcceptedApproved025000002500000Utkarsh Small Finance Bank Limited******Revati Govind Singh******Relative of KMPAny other transactionDeposit RepaidApproved025000002500000Utkarsh Small Finance Bank Limited******Revati Govind Singh******Relative of KMPInterest paidApproved11800000Utkarsh Small Finance Bank Limited******Achin Singh******Relative of KMPAny other transactionDeposit AcceptedApproved025000002500000Utkarsh Small Finance Bank Limited******Achin Singh******Relative of KMPAny other transactionDeposit RepaidApproved025000002500000Utkarsh Small Finance Bank Limited******Achin Singh******Relative of KMPInterest paidApproved11800000Utkarsh Small Finance Bank Limited******Ankur Singh******Relative of KMPAny other transactionDeposit AcceptedApproved025000002500000Utkarsh Small Finance Bank Limited******Ankur Singh******Relative of KMPAny other transactionDeposit RepaidApproved025000002500000Utkarsh Small Finance Bank Limited******Ankur Singh******Relative of KMPInterest paidApproved11800000Utkarsh Small Finance Bank Limited******Ramesh Chandra Singh******Relative of KMPAny other transactionDeposit AcceptedApproved014440001027000Utkarsh Small Finance Bank Limited******Ramesh Chandra Singh******Relative of KMPAny other transactionDeposit RepaidApproved41700014440001027000Utkarsh Small Finance Bank Limited******Ramesh Chandra Singh******Relative of KMPInterest paidApproved6700000Utkarsh Small Finance Bank Limited******Parvati Devi******Relative of KMPAny other transactionDeposit AcceptedApproved2100012100001231000Utkarsh Small Finance Bank Limited******Parvati Devi******Relative of KMPAny other transactionDeposit RepaidApproved012100001231000Utkarsh Small Finance Bank Limited******Parvati Devi******Relative of KMPInterest paidApproved5900000Utkarsh Small Finance Bank Limited******RAAG Family Private Trust******Enterprise where KMP exercise significant influenceAny other transactionDeposit AcceptedApproved020000000Utkarsh Small Finance Bank Limited******RAAG Family Private Trust******Enterprise where KMP exercise significant influenceAny other transactionDeposit RepaidApproved200000020000000Utkarsh Small Finance Bank Limited******RAAG Family Private Trust******Enterprise where KMP exercise significant influenceInterest paidApproved1000000Utkarsh Small Finance Bank Limited******Muthiah Ganapathy******Company SecretaryAny other transactionDeposit AcceptedApproved05000000Utkarsh Small Finance Bank Limited******Muthiah Ganapathy******Company SecretaryAny other transactionDeposit RepaidApproved5000005000000Utkarsh Small Finance Bank Limited******Muthiah Ganapathy******Company SecretaryInterest paidApproved800000Utkarsh Small Finance Bank Limited******Muthiah Ganapathy******Company SecretaryAny other transactionESOP GrantedApproved78600000Utkarsh Small Finance Bank Limited******Sarju Simaria******Chief Financial OfficerAny other transactionESOP GrantedApproved334900000Utkarsh Small Finance Bank Limited******Nirmala P. Simaria******Relative of KMPAny other transactionDeposit AcceptedApproved0900000900000Utkarsh Small Finance Bank Limited******Nirmala P. Simaria******Relative of KMPAny other transactionDeposit RepaidApproved0900000900000Utkarsh Small Finance Bank Limited******Nirmala P. Simaria******Relative of KMPInterest paidApproved4100000Utkarsh Small Finance Bank Limited******Utkarsh Small Finance Bank Employees’ Gratuity Trust******Post-employment benefit planAny other transactionContribution towards Gratuity150000000Based on Estimated no of Employees and actuarial valuation91368000647500010442000Utkarsh Small Finance Bank Limited******Utkarsh Small Finance Bank Employees’ Gratuity Trust******Post-employment benefit planAny other transactionWithdrawal from Gratuity TrustApproved30197000647500010442000Utkarsh Small Finance Bank Limited******Utkarsh Welfare Foundation******Enterprise where KMPs exercise significant influenceAny other transactionContribution towards Corporate Social Responsibility (CSR) activities81600000Approved4080000000Utkarsh Small Finance Bank Limited******Utkarsh CoreInvest Limited******Holding CompanyAny other transactionDeposit Accepted550000000Approved103800000545469000605388000Utkarsh Small Finance Bank Limited******Utkarsh CoreInvest Limited******Holding CompanyAny other transactionDeposit Repaid0Approved44050000545469000605388000Utkarsh Small Finance Bank Limited******Utkarsh CoreInvest Limited******Holding CompanyInterest paid0Approved2467600000Utkarsh Small Finance Bank Limited******Utkarsh CoreInvest Limited******Holding CompanyAny other transactionRent received from UCL for USFB Office space used by UCL. (excluding GST)1000000As per agreement approved by the Board39800018050005939000Utkarsh Small Finance Bank Limited******Utkarsh CoreInvest Limited******Holding CompanyAny other transactionCollection made by USFB for and on behalf of UCL against Written off portfolio33000000As per agreement approved by the Board1667200018050005939000Utkarsh Small Finance Bank Limited******Utkarsh CoreInvest Limited******Holding CompanyAny other transactionFee received from UCL for Collection Services rendered by USFB (excluding GST)330000As per agreement approved by the Board16700018050005939000Utkarsh Small Finance Bank Limited******Utkarsh CoreInvest Limited******Holding CompanyAny other transactionCross charge for UCL ESOP Scheme0Approved159100018050005939000Utkarsh Small Finance Bank Limited******Neeraj Kumar Tiwari******KMP of Holding CompanyLoanApproved136000001360000Loan0.065131 monthsSecuredHome LoanUtkarsh Small Finance Bank Limited******Neeraj Kumar Tiwari******KMP of Holding CompanyInterest receivedApproved2200000375820000AuditedtrueMM Nissim & Co LLPtrue2028-03-31KKC & Associates LLPtrue2027-07-31