Audited Results of Utkarsh Small Finance Bank Ltd. Company

(Rs in Cr.)	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023
Operating Income	3,378.78	3,764.93	3,178.41	2,504.98
Manufacturing Expenses	0	0	0	0
Personnel Expenses	947.96	845.60	736.95	570.06
Selling Expenses	14.29	16	10.52	14.17
Administrative Expenses	2,374.74	1,656.88	814.08	649.65
Expenses Capitalised	0	0	0	0
Cost Of Sales	5,239.04	4,260.54	2,854.16	2,209.82
Operating Profit	-1,860.25	-495.61	324.25	295.16
Other Recurring Income	430.97	599.83	400.40	299.31
Adjusted PBDIT	2,035.72	2,825.56	2,355.14	1,872.93
Financial Expenses	1,902.04	1,742.06	1,292.61	975.95
Depreciation	77.33	76.57	65.27	58.66
Other Write offs	0	0	0	0
Adjusted PBT	-1,506.62	27.65	659.39	535.81
Tax Charges	-355.64	3.95	161.76	131.31
Adjusted PAT	-1,150.98	23.70	497.63	404.50
Non Recurring Items	0	0	0	0
Other Non Cash adjustments	0	0	0	0
Reported Net Profit	-1,150.98	23.70	497.63	404.50
Equity Dividend	0	0	0	0
Preference Dividend	0	0	0	0
Retained Earnings	-271.74	960.40	1,067.04	658.23

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