{"id":140218,"date":"2026-07-06T10:32:19","date_gmt":"2026-07-06T05:02:19","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=140218"},"modified":"2026-07-06T10:32:20","modified_gmt":"2026-07-06T05:02:20","slug":"utkarsh-small-finance-bank-share-price-casa-improves","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/utkarsh-small-finance-bank-share-price-casa-improves\/","title":{"rendered":"Utkarsh Small Finance Bank Share Price Falls Despite CASA Ratio Improving to 22.1% in Q1 FY27"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Utkarsh Small Finance Bank share price CMP Rs 14.65, down 2.79%. Q1 FY27 gross loan portfolio up 2% to Rs 19,612 crore. CASA ratio improves to 22.1% from 19.7%.<\/em><\/p>\n<p>Utkarsh Small Finance Bank share price is in focus on 6 July 2026 after the lender&#8217;s Q1 FY27 provisional business update showed a sharp structural shift in its lending book, even as overall growth remained muted. Gross loan portfolio, including inter-bank participation certificates, rose just 2 percent year on year to Rs 19,612 crore as of 30 June 2026, up from Rs 19,224 crore a year earlier.<\/p>\n<p>The headline growth number was modest, but the update revealed a deliberate portfolio rebalancing away from unsecured joint liability group lending, alongside a meaningful improvement in the bank&#8217;s low cost deposit base.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=utkarsh-small-finance-bank-casa-update\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/utkarsh-small-finance-bank-share-price-casa-improves\/#About_Utkarsh_Small_Finance_Bank\" title=\"About Utkarsh Small Finance Bank\">About Utkarsh Small Finance Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/utkarsh-small-finance-bank-share-price-casa-improves\/#Why_Utkarsh_Small_Finance_Bank_Share_Price_Is_in_Focus_Today\" title=\"Why Utkarsh Small Finance Bank Share Price Is in Focus Today\">Why Utkarsh Small Finance Bank Share Price Is in Focus Today<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/utkarsh-small-finance-bank-share-price-casa-improves\/#Loan_Book_and_Deposit_Growth\" title=\"Loan Book and Deposit Growth\">Loan Book and Deposit Growth<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/utkarsh-small-finance-bank-share-price-casa-improves\/#CASA_Ratio_Improves_Sharply\" title=\"CASA Ratio Improves Sharply\">CASA Ratio Improves Sharply<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/utkarsh-small-finance-bank-share-price-casa-improves\/#Disbursement_Trends_and_Asset_Quality\" title=\"Disbursement Trends and Asset Quality\">Disbursement Trends and Asset Quality<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/utkarsh-small-finance-bank-share-price-casa-improves\/#Utkarsh_Small_Finance_Bank_Q1_FY27_Key_Metrics\" title=\"Utkarsh Small Finance Bank Q1 FY27 Key Metrics\">Utkarsh Small Finance Bank Q1 FY27 Key Metrics<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/utkarsh-small-finance-bank-share-price-casa-improves\/#Utkarsh_Small_Finance_Bank_Share_Price_and_Recent_Performance\" title=\"Utkarsh Small Finance Bank Share Price and Recent Performance\">Utkarsh Small Finance Bank Share Price and Recent Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/utkarsh-small-finance-bank-share-price-casa-improves\/#What_This_Update_Means_for_Utkarsh_Small_Finance_Bank\" title=\"What This Update Means for Utkarsh Small Finance Bank\">What This Update Means for Utkarsh Small Finance Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/utkarsh-small-finance-bank-share-price-casa-improves\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/utkarsh-small-finance-bank-share-price-casa-improves\/#Frequently_Asked_Questions_on_Utkarsh_Small_Finance_Bank_Share_Price\" title=\"Frequently Asked Questions on Utkarsh Small Finance Bank Share Price\">Frequently Asked Questions on Utkarsh Small Finance Bank Share Price<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/utkarsh-small-finance-bank-share-price-casa-improves\/#Why_is_Utkarsh_Small_Finance_Bank_share_price_in_focus_today\" title=\"Why is Utkarsh Small Finance Bank share price in focus today?\">Why is Utkarsh Small Finance Bank share price in focus today?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/utkarsh-small-finance-bank-share-price-casa-improves\/#What_was_Utkarsh_Small_Finance_Banks_Q1_FY27_loan_portfolio\" title=\"What was Utkarsh Small Finance Bank&#8217;s Q1 FY27 loan portfolio?\">What was Utkarsh Small Finance Bank&#8217;s Q1 FY27 loan portfolio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/utkarsh-small-finance-bank-share-price-casa-improves\/#How_much_did_Utkarsh_Small_Finance_Banks_CASA_ratio_improve\" title=\"How much did Utkarsh Small Finance Bank&#8217;s CASA ratio improve?\">How much did Utkarsh Small Finance Bank&#8217;s CASA ratio improve?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/utkarsh-small-finance-bank-share-price-casa-improves\/#Why_is_Utkarsh_Small_Finance_Bank_reducing_its_JLG_lending\" title=\"Why is Utkarsh Small Finance Bank reducing its JLG lending?\">Why is Utkarsh Small Finance Bank reducing its JLG lending?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/utkarsh-small-finance-bank-share-price-casa-improves\/#What_was_Utkarsh_Small_Finance_Bank_share_price_on_6_July_2026\" title=\"What was Utkarsh Small Finance Bank share price on 6 July 2026?\">What was Utkarsh Small Finance Bank share price on 6 July 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/utkarsh-small-finance-bank-share-price-casa-improves\/#Is_Utkarsh_Small_Finance_Bank_share_price_a_buy_after_this_Q1_update\" title=\"Is Utkarsh Small Finance Bank share price a buy after this Q1 update?\">Is Utkarsh Small Finance Bank share price a buy after this Q1 update?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"About_Utkarsh_Small_Finance_Bank\"><\/span><strong>About Utkarsh Small Finance Bank<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Utkarsh Small Finance Bank is engaged in providing banking and financial services with a focus on microfinance to underserved and unserved sections of the country, operating primarily in rural and semi-urban locations across Corporate\/Wholesale Banking, Retail Banking, Treasury and Other Banking Operations segments.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Utkarsh_Small_Finance_Bank_Share_Price_Is_in_Focus_Today\"><\/span><strong>Why Utkarsh Small Finance Bank Share Price Is in Focus Today<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Utkarsh Small Finance Bank share price is in focus because the Q1 FY27 update highlights a strategic pivot in the bank&#8217;s credit risk profile even as topline growth cooled. Investors tracking Utkarsh Small Finance Bank share price can view live quotes and fundamentals on the <a href=\"https:\/\/univest.in\/stocks\/utkarshbnk\/utkarsh-small-finance-bank-ltd-share-price-today\">Univest stock page for Utkarsh Small Finance Bank<\/a> before assessing the update in full.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Loan_Book_and_Deposit_Growth\"><\/span><strong>Loan Book and Deposit Growth<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Total deposits increased 2.6 percent year on year to Rs 22,053 crore, up from Rs 21,489 crore. The bank&#8217;s non-JLG portfolio surged 32.7 percent year on year, while the traditional unsecured joint liability group book contracted 36.1 percent to Rs 5,480 crore, sharply altering the JLG to non-JLG ratio to 28:72 from 45:55 a year ago. The overall asset mix shifted to 51 percent secured versus 49 percent unsecured, an improvement from 45 percent secured a year earlier.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"CASA_Ratio_Improves_Sharply\"><\/span><strong>CASA Ratio Improves Sharply<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>CASA deposits jumped 15.1 percent year on year to Rs 4,867 crore, up from Rs 4,229 crore, lifting the CASA ratio to 22.1 percent from 19.7 percent a year ago. This improvement in the bank&#8217;s low cost deposit franchise is a meaningful positive, since a higher CASA mix typically supports lower funding costs over time.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Disbursement_Trends_and_Asset_Quality\"><\/span><strong>Disbursement Trends and Asset Quality<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>New loan disbursements through Q1 FY27 reached Rs 3,370 crore, an explosive 48.5 percent year on year surge against the Rs 2,269 crore base, even as this reflected a sequential cooling typical of the early fiscal season. Collection efficiency remained healthy at 99.63 percent, while the Special Mention Account pool shrank to 1.20 percent from an elevated 5.10 percent a year earlier, and the Liquidity Coverage Ratio stood at a comfortable 223 percent.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Utkarsh_Small_Finance_Bank_Q1_FY27_Key_Metrics\"><\/span><strong>Utkarsh Small Finance Bank Q1 FY27 Key Metrics<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The table below summarises the key operating metrics from the Q1 FY27 update.<\/p>\n<table border=\"1\" cellspacing=\"0\" cellpadding=\"6\">\n<tbody>\n<tr>\n<th>Metric<\/th>\n<th>Q1 FY27<\/th>\n<th>Q1 FY26<\/th>\n<th>YoY Change<\/th>\n<\/tr>\n<tr>\n<td>Gross Loan Portfolio<\/td>\n<td>Rs 19,612 crore<\/td>\n<td>Rs 19,224 crore<\/td>\n<td>+2%<\/td>\n<\/tr>\n<tr>\n<td>Total Deposits<\/td>\n<td>Rs 22,053 crore<\/td>\n<td>Rs 21,489 crore<\/td>\n<td>+2.6%<\/td>\n<\/tr>\n<tr>\n<td>CASA Deposits<\/td>\n<td>Rs 4,867 crore<\/td>\n<td>Rs 4,229 crore<\/td>\n<td>+15.1%<\/td>\n<\/tr>\n<tr>\n<td>CASA Ratio<\/td>\n<td>22.1%<\/td>\n<td>19.7%<\/td>\n<td>+2.4 pts<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/sebi-registered-investment-advisor-india\"><strong>Talk to a SEBI Registered Investment Advisor on Univest<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Utkarsh_Small_Finance_Bank_Share_Price_and_Recent_Performance\"><\/span><strong>Utkarsh Small Finance Bank Share Price and Recent Performance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Utkarsh Small Finance Bank share price was trading around Rs 14.65, down about 2.79 percent, on the National Stock Exchange, after touching an intraday high of Rs 15.23 and a low of Rs 14.55. The stock&#8217;s decline despite the improving CASA metrics suggests the market focused more on the slower 2 percent overall loan growth than on the underlying portfolio quality improvements.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Utkarsh Small Finance Bank share price live and get daily small finance bank research.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_This_Update_Means_for_Utkarsh_Small_Finance_Bank\"><\/span><strong>What This Update Means for Utkarsh Small Finance Bank<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Q1 FY27 numbers show Utkarsh Small Finance Bank deliberately trading near-term growth for long-term balance sheet quality, aggressively winding down its riskier unsecured JLG book while strengthening its secured and non-JLG portfolios. The sharp CASA ratio improvement and the healthy collection efficiency and liquidity metrics suggest the bank&#8217;s de-risking strategy is progressing, though investors will want to see growth reaccelerate once the portfolio transition stabilises.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Utkarsh Small Finance Bank share price is in focus on 6 July 2026 after a Q1 FY27 update showing modest 2 percent loan growth alongside a sharp CASA ratio improvement to 22.1 percent, as the bank continues its pivot away from unsecured microfinance lending. The stock was trading around Rs 14.65 during the session. Track the bank&#8217;s progress on this portfolio transition and consult a SEBI registered advisor before making any investment decision.<\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_on_Utkarsh_Small_Finance_Bank_Share_Price\"><\/span><strong>Frequently Asked Questions on Utkarsh Small Finance Bank Share Price<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Why_is_Utkarsh_Small_Finance_Bank_share_price_in_focus_today\"><\/span><strong>Why is Utkarsh Small Finance Bank share price in focus today?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Utkarsh Small Finance Bank share price is in focus because its Q1 FY27 provisional business update showed the CASA ratio improving to 22.1 percent from 19.7 percent, even as overall gross loan portfolio growth slowed to just 2 percent YoY.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_was_Utkarsh_Small_Finance_Banks_Q1_FY27_loan_portfolio\"><\/span><strong>What was Utkarsh Small Finance Bank&#8217;s Q1 FY27 loan portfolio?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Utkarsh Small Finance Bank reported a gross loan portfolio of Rs 19,612 crore as of 30 June 2026, up 2 percent from Rs 19,224 crore a year earlier.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_much_did_Utkarsh_Small_Finance_Banks_CASA_ratio_improve\"><\/span><strong>How much did Utkarsh Small Finance Bank&#8217;s CASA ratio improve?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The bank&#8217;s CASA ratio improved to 22.1 percent in Q1 FY27, up from 19.7 percent a year earlier, as CASA deposits grew 15.1 percent YoY to Rs 4,867 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_is_Utkarsh_Small_Finance_Bank_reducing_its_JLG_lending\"><\/span><strong>Why is Utkarsh Small Finance Bank reducing its JLG lending?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The bank is deliberately winding down its unsecured joint liability group lending book, which contracted 36.1 percent YoY, in favour of secured and non-JLG lending, shifting its asset mix to 51 percent secured from 45 percent a year ago.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_was_Utkarsh_Small_Finance_Bank_share_price_on_6_July_2026\"><\/span><strong>What was Utkarsh Small Finance Bank share price on 6 July 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Utkarsh Small Finance Bank share price was trading around Rs 14.65, down about 2.79 percent, after touching an intraday high of Rs 15.23 and a low of Rs 14.55.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Utkarsh_Small_Finance_Bank_share_price_a_buy_after_this_Q1_update\"><\/span><strong>Is Utkarsh Small Finance Bank share price a buy after this Q1 update?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> This article does not constitute investment advice. The bank is undergoing a portfolio de-risking transition that has slowed headline growth. Review the full financials and consult a SEBI registered financial advisor before making any investment decision.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Why is Utkarsh Small Finance Bank share price in focus today?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Utkarsh Small Finance Bank share price is in focus because its Q1 FY27 provisional business update showed the CASA ratio improving to 22.1 percent from 19.7 percent, even as overall gross loan portfolio growth slowed to just 2 percent YoY.\"}},{\"@type\":\"Question\",\"name\":\"What was Utkarsh Small Finance Bank's Q1 FY27 loan portfolio?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Utkarsh Small Finance Bank reported a gross loan portfolio of Rs 19,612 crore as of 30 June 2026, up 2 percent from Rs 19,224 crore a year earlier.\"}},{\"@type\":\"Question\",\"name\":\"How much did Utkarsh Small Finance Bank's CASA ratio improve?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The bank's CASA ratio improved to 22.1 percent in Q1 FY27, up from 19.7 percent a year earlier, as CASA deposits grew 15.1 percent YoY to Rs 4,867 crore.\"}},{\"@type\":\"Question\",\"name\":\"Why is Utkarsh Small Finance Bank reducing its JLG lending?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The bank is deliberately winding down its unsecured joint liability group lending book, which contracted 36.1 percent YoY, in favour of secured and non-JLG lending, shifting its asset mix to 51 percent secured from 45 percent a year ago.\"}},{\"@type\":\"Question\",\"name\":\"What was Utkarsh Small Finance Bank share price on 6 July 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Utkarsh Small Finance Bank share price was trading around Rs 14.65, down about 2.79 percent, after touching an intraday high of Rs 15.23 and a low of Rs 14.55.\"}},{\"@type\":\"Question\",\"name\":\"Is Utkarsh Small Finance Bank share price a buy after this Q1 update?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"This article does not constitute investment advice. The bank is undergoing a portfolio de-risking transition that has slowed headline growth. 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