20 years ago, a software developer added 10 lines of code.
No one talks about it.
Yet those 10 lines have saved millions from one of the most embarrassing email mistakes imaginable.
The best engineering often goes unnoticed.
🧵 Utkarsh Small Finance Bank Q1 FY27 - Turnaround or Value Trap? 🤔
I went through the latest business update. Here's what every investor should know before buying #UTKARSHBNK 👇
9/10
Overall Score
⭐ Loan Growth: 8/10
⭐ Deposit Growth: 7/10
⭐ Asset Quality: 10/10
⭐ Portfolio Mix: 10/10
⭐ Risk: High
Business is clearly improving.
The turnaround story is becoming stronger.
8/10
CASA improved
19.7% ➜ 22.1%
Good...
But still lower than many banking peers.
Higher CASA = Lower cost of funds.
7/10
Things I'm still watching carefully 👀
⚠️ Loan book grew only 2% YoY.
Despite 48.5% disbursement growth.
Meaning repayments are still high.
Need stronger loan book expansion in coming quarters.
6/10
Deposits
💰 ₹22,053 Cr
⬆️ +2.6% YoY
Retail Term Deposits grew 14.7%.
Stable retail deposits are always a positive sign.
5/10
📉 Asset Quality is improving.
SMA Pool
5.10% ➜ 1.20%
Collection Efficiency
99.63%
This is probably the strongest part of the update.
Borrowers are paying on time again.
4/10
Portfolio Mix has changed dramatically.
FY26:
🔹 JLG : Non-JLG = 45 : 55
Q1 FY27:
🔹 28 : 72
Less dependence on Microfinance = Lower long-term risk.
2/10
📈 Loan Disbursements
✅ ₹3,370 Cr
⬆️ +48.5% YoY
That's a huge jump, indicating healthy loan demand after a difficult FY26.
Vivek C retweeted
#MiraeAsset Small Cap Portfolio Update (May 2026) 📊 #FinAlpha1Pager
The Mirae Asset Small Cap fund is out with its latest portfolio for May 2026 as its net equity exposure climbed to 99.2%. Let's dive in. 🧐
🟢 6 Fresh Buys
(Kalpataru Projects Internation.., Delhivery Ltd, Lenskart Solutions Private Ltd., Craftsman Automation Ltd., Billionbrains Garage Ventures .., Indus Towers Ltd)
🔴 6 Full Exits
📉 (Axis Bank Ltd, Bharti Airtel Ltd, Britannia Industries Ltd, Shriram Finance Ltd, Cms Info Systems Ltd., Aditya Infotech Limited)
📈 20 Increase in Holdings
(Accumulating: Jb Chemicals & Pharmaceuticals.., Timken India Ltd, Westlife Foodworld Ltd, Gng Electronics Ltd., Atul Limited etc)
📉 3 Decrease in Holdings
(Includes trimming in: Godawari Power And Ispat Limited, Anthem Biosciences Ltd., Bata India Ltd)
⏸️ 50 Companies - No Change
(Held steady on core positions: Triveni Turbine Ltd, Crisil Ltd., Brigade Enterprises Ltd, Home First Finance Company Ind.., Dcb Bank Ltd etc)
Detailed breakdown and FinAlpha 1-Pager attached. 📄
#MiraeAssetMutualFund #SmallCap #MutualFunds #StockMarket #FinAlpha
Vivek C retweeted
Completely agree with this order. You should never install a VPN, open a Tor connection on Brave, copy the .onion link of Z library from their Wikipedia page and then download literally all books and papers ever
Hi @CapitalmindMF I have invested in the Capitalmind Flexi Cap Fund NFO on 28-Jul-2025, via UPI on MFCentral web app, so far I havent received any email confirmation for the new NFO. May I know how long it will take?
cc: @MFCentral_India #CapitalMind
