Utkarsh Small Finance Bank Q4 Results 2026: Date, Revenue, PAT & Analyst Outlook

Mon Apr 13 2026

Utkarsh Small Finance Bank (NSE: UTKARSH) is preparing to announce its Q4 FY26 financial results for the period ended March 31, 2026. The board of directors is scheduled to meet on May 2026 (Expected) to approve the audited statements and consider a final dividend recommendation. With the stock at Rs 38 — against a 52-week high of Rs 62 and 1-year return of -36% — the Q4 FY26 results will be a pivotal event for investors.

Analyst estimates for Q4 FY26 revenue stand at Rs 1,060-1,140 Cr, with PAT expectations of Rs 145-175 Cr and margin projections of NIM 8.5-9.2%. This article covers the Utkarsh Small Finance Bank Q4 results 2026 date, earnings estimates, five key performance factors, five risks, analyst ratings, and investor FAQs.

Table of Contents

Utkarsh Small Finance Bank Q4 Results 2026 Date

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Company	Results Date	Article
TCS	April 9, 2026	Preview on Univest
Infosys	April 23, 2026	Preview on Univest
Utkarsh Small Finance Bank	May 2026 (Expected)	This article

Why This Quarter Matters

Utkarsh Small Finance Bank enters Q4 FY26 with expectations of Loan growth 14-18% YoY. Q4 determines full-year FY26 performance, sets FY27 estimate baselines, and triggers final dividend announcements. At a 1-year return of -36%, this quarter’s results and FY27 guidance will be critical for determining whether the stock can sustain recovery momentum.

Utkarsh Small Finance Bank Q4 FY26 Earnings Estimates

Utkarsh Small Finance Bank Q4 FY26 analyst estimates. Source: MOFSL, YES Securities, JM Financial.

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Metric	Q3 FY26 Actual	Q4 FY26 Estimate	Driver
Revenue	Rs 1,006 Cr	Rs 1,060-1,140 Cr	Volume + pricing
PAT	Rs 164 Cr	Rs 145-175 Cr	Operating leverage
Margin	NIM 9.08%	NIM 8.5-9.2%	Cost control
Key Growth Metric	Q3 trend	Loan growth 14-18% YoY	Management execution
Dividend Estimate	—	Nil expected	Board recommendation

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5 Key Factors That Will Drive Utkarsh Small Finance Bank Q4 FY26 Performance

Revenue Momentum

Analysts expect Rs 1,060-1,140 Cr in Q4 FY26 revenue versus Rs 1,006 Cr in Q3. Q4 is seasonally important for the Banking/SFB sector and the ability to convert the pipeline into recognised revenue will be the first performance test.

Margin Trajectory

Q4 FY26 margin expectations are NIM 8.5-9.2% versus NIM 9.08% in Q3. Input cost trends, employee expenses, and pricing power will determine whether the company can sustain or improve on Q3 levels.

PAT Quality

Net profit is estimated at Rs 145-175 Cr. Investors will assess whether PAT is driven by operational improvement or non-recurring items. A clean recurring profit print is most positively received by institutional investors.

Management Guidance for FY27

The most consequential output will be FY27 guidance — revenue growth bands, margin targets, and capex plans. In the current global macro environment, credible FY27 guidance carries significant weight for the stock’s re-rating potential.

Dividend Declaration

Utkarsh Small Finance Bank is expected to consider a final dividend of Nil expected. The quantum signals management’s confidence in free cash flow generation and sets expectations for FY27 capital allocation strategy.

5 Risks to Watch in Utkarsh Small Finance Bank Q4 FY26

US Tariff and Macro Headwinds

The 26% US reciprocal tariff on Indian goods has created macro uncertainty. For Utkarsh Small Finance Bank, indirect impacts include FII outflows and earnings estimate cuts if global demand slows. India-US trade negotiations remain the most important macro catalyst.

Earnings Miss Risk

If Utkarsh Small Finance Bank’s Q4 FY26 results miss estimates, the stock could correct sharply. Investors should monitor revenue versus Rs 1,060-1,140 Cr and PAT versus Rs 145-175 Cr as the two primary watchpoints.

FY27 Guidance Below Consensus

If FY27 guidance falls below Street expectations, the stock may decline even if Q4 numbers are in line. Forward guidance carries more weight than the reported quarter in the current environment.

FII Outflow Continuation

FIIs sold Rs 22,000 crore in Indian equities in a single week following the tariff announcement. Continued selling would create headwinds for Utkarsh Small Finance Bank regardless of company-specific fundamentals.

Sector Regulatory Risk

The Banking/SFB sector faces evolving regulatory frameworks. Policy changes that increase compliance costs or alter competitive dynamics could affect Utkarsh Small Finance Bank’s profitability beyond current consensus models.

Utkarsh Small Finance Bank Share Price and Analyst Ratings

Utkarsh Small Finance Bank share price snapshot and analyst ratings. Source: Brokerages, NSE data.

Utkarsh Small Finance Bank is trading at Rs 38 as of early April 2026, against a 52-week high of Rs 62 and 52-week low of Rs 28. Market cap stands at Rs 4,600 Cr.

Brokerage	Rating	Target Price	Thesis
MOFSL	Neutral	Rs 48	MFI + MSME; Uttar Pradesh focus
YES Securities	Buy	Rs 52	Strong CASA + deposit franchise
JM Financial	Add	Rs 50	Post-IPO building track record
Emkay	Neutral	Rs 45	MFI stress impacting PAT negatively

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Conclusion

Utkarsh Small Finance Bank Q4 FY26 results on May 2026 (Expected) will be a key event for investors monitoring the Banking/SFB sector. Analysts project PAT of Rs 145-175 Cr and revenue of Rs 1,060-1,140 Cr. At a CMP of Rs 38 with analyst targets from Rs 45 to Rs 48, FY27 guidance will be the most critical post-results catalyst.

For more Q4 FY26 previews, visit Univest Blogs.

Frequently Asked Questions

What is the Utkarsh Small Finance Bank Q4 results 2026 date?

The Utkarsh Small Finance Bank Q4 results 2026 date is May 2026 (Expected). The board will meet to approve audited Q4 FY26 financials and consider a final dividend recommendation.

What is the Utkarsh Small Finance Bank Q4 FY26 PAT estimate?

Analysts estimate Utkarsh Small Finance Bank Q4 FY26 PAT at Rs 145-175 Cr, based on revenue of Rs 1,060-1,140 Cr and margin of NIM 8.5-9.2%.

What is Utkarsh Small Finance Bank’s share price ahead of Q4 results?

Utkarsh Small Finance Bank is trading at Rs 38. The 52-week high is Rs 62 and low is Rs 28. The 1-year return is -36% and market cap is Rs 4,600 Cr.

Will Utkarsh Small Finance Bank declare a dividend in Q4 FY26?

Utkarsh Small Finance Bank is expected to consider a final dividend of Nil expected at the Q4 FY26 board meeting on May 2026 (Expected).

Which analysts have a Buy rating on Utkarsh Small Finance Bank?

YES Securities (Buy, Rs 52), JM Financial (Add, Rs 50) have positive ratings heading into Q4 FY26.

What were Utkarsh Small Finance Bank Q3 FY26 results?

Utkarsh Small Finance Bank reported Q3 FY26 revenue of Rs 1,006 Cr and PAT of Rs 164 Cr, with margin at NIM 9.08%. These form the baseline for Q4 FY26 consensus estimates.

When do TCS and Infosys announce Q4 results 2026?

TCS declared Q4 FY26 results on April 9, 2026. Infosys Q4 FY26 results are scheduled for April 23, 2026. Read both previews on Univest Blogs.

Is Utkarsh Small Finance Bank a good investment ahead of Q4 results?

This depends on your risk appetite and portfolio context. Utkarsh Small Finance Bank has compelling long-term factors alongside genuine near-term risks. Consult a SEBI-registered financial advisor before investing.

Disclaimer: Investment in the share market is subject to risk. This article is for informational and educational purposes only. All financial data and analyst estimates are sourced from publicly available information. Verify before investing. Consult a SEBI-registered advisor before making investment decisions.