Govind Singh

“Yes, good evening, everyone, and thank you for joining us for our quarter 2 FY27 earnings call. Let me begin by reflecting on the evolving operating environment for Utka Small Finance Bank.”

“Good evening, everyone, and thank you for joining us for our quarter one FY27 earnings call. The first quarter of FY27 marks an important point in our journey. Over the last several quarters, our bank has navigated one of the most challenging operating environments faced by the microfinance industry in recent years.”

“The fourth quarter of FY26 has been a period of renewed growth, proof of resilience and cautious optimism. And as a part of industry, we also went through adverse impact of MFI segments, as you are aware, regardless for a longer period of one and a half year.”