| Annual Financials | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
Revenue  | 226 | 1,579 | 2,038 | 3,026 | 3,108 | 3,173 | 4,754 | 6,464 | 7,201 | 7,413 |
| Expenses | 112 | 922 | 983 | 1,417 | 1,944 | 2,603 | 1,730 | 2,396 | 3,406 | 3,948 |
| EBITDA | 5 | 50 | 329 | 539 | 87 | -470 | 1,558 | 1,801 | 1,076 | 528 |
| Operating Profit % | 49 % | 37 % | 46 % | 48 % | 31 % | 7 % | 58 % | 58 % | 46 % | 39 % |
| Depreciation | 5 | 41 | 61 | 73 | 77 | 80 | 90 | 98 | 135 | 0 |
| Interest | 109 | 607 | 725 | 1,070 | 1,078 | 1,039 | 1,467 | 2,268 | 2,718 | 2,937 |
| Profit Before Tax | 0 | 9 | 268 | 466 | 10 | -550 | 1,467 | 1,702 | 942 | 528 |
| Tax | 0 | 2 | 69 | 116 | 2 | -136 | 367 | 421 | 216 | 111 |
| Net Profit | 0 | 7 | 199 | 350 | 8 | -415 | 1,100 | 1,282 | 726 | 417 |
| EPS in ₹ | 0.00 | 0.05 | 1.20 | 2.19 | 0.05 | -2.40 | 5.82 | 6.65 | 3.75 | 2.20 |
Ujjivan Small Finance Bank
Ujjivan Small Finance Bank
52.38
+1.18
(2.30%)
Key Fundamentals
Market Cap
10,146.80 Cr
EPS
3.75
PE Ratio
24.34
Dividend Yield
0.00 %
Industry
Banks 52 Week High
54.54
52 Week Low
30.88
PB Ratio
1.63
Debt to Equity
0.00
Sector
Small Finance Bank Analyst Rating and Forecast
- By Refinitiv from14 analysts
Actual
Company News
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Ujjivan Small Finance Bank Reports Strong Q2 FY26 Performance with Improved Asset Quality and Growth
Oct 21, 2025
Oct 21, 2025Ujjivan Small Finance Bank delivered robust quarterly results with total deposits rising 15.1% year-on-year to INR 39,211 crores and CASA deposits crossing INR 10,000 crores for the first time, growing 22.1% annually. The bank achieved its highest-ever disbursements of INR 7,932 crores, up 48% year-on-year, with gross loan book growing 14% to INR 34,588 crores. Asset quality showed improvement as slippages reduced to INR 278 crores from approximately INR 350 crores in previous quarters, while SMA book dropped below 2%. Net interest margin improved to 7.9% from 7.7% in the previous quarter, supported by cost of funds reduction of 23 basis points. The secured loan portfolio reached 47% of total book, with strong growth in affordable housing (42% year-on-year), micro mortgages (180% year-on-year), and MSME segments (69% year-on-year). Net interest income stood at INR 922 crores with PAT at INR 122 crores, reflecting ROA of 1% and ROE of 7.7%. The bank maintained strong capital position with CRAR at 21.4% and expects meaningful decline in credit costs in the second half.
Ujjivan Small Finance Bank reported quarterly profit of ₹122 crore, marking an 18.2% increase quarter-on-quarter. The bank achieved record disbursements of ₹7,932 crore, up 47.6% year-on-year and 21.3% quarter-on-quarter. Gross loan book reached ₹34,588 crore, growing 14.0% year-on-year and 3.9% quarter-on-quarter. Deposits stood at ₹39,211 crore, up 15.1% year-on-year, while CASA deposits grew 22.1% year-on-year to ₹10,783 crore. The secured book expanded 52.9% year-on-year to ₹16,173 crore, representing 46.8% of total loans. Asset quality metrics showed Portfolio at Risk at 4.45%, GNPA at 2.45%, and NNPA at 0.67%. Net Interest Income increased 7.7% quarter-on-quarter to ₹922 crore. Return on Assets stood at 1.0% and Return on Equity at 7.7%. Capital adequacy ratio was 21.4% with Tier I at 19.9%. Cost of funds improved to 7.3% from 7.6% in the previous quarter.
Ujjivan Small Finance Bank Reports Mixed Q2 Results with Higher Interest Income and Improved Asset QualityOct 17, 2025
Oct 17, 2025Ujjivan Small Finance Bank reported quarterly results showing interest earned of 16.8 billion rupees compared to 16.13 billion rupees year-over-year. Provisions and contingencies increased to 2.35 billion rupees from 2.25 billion rupees quarter-over-quarter. The bank's asset quality improved with gross non-performing assets (GNPA) declining to 2.45% from 2.52% quarter-over-quarter, while net non-performing assets (NNPA) decreased to 0.67% from 0.70% quarter-over-quarter.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
908.70 | #1 67,779.80 | 31.19 | 1,446.00 | 19.10 | #1 761 | -1.80 | 77.89 | |
52.38 | #2 10,146.80 | #7 24.34 | #2 7,200.60 | #7 11.40 | #2 726 | #6 -47.77 | 59.44 | |
60.58 | 6,909.20 | #1 -75.84 | #1 7,223.20 | 14.93 | 147 | #1 86.82 | 61.05 | |
476.25 | 5,011.40 | 12.19 | 5,485.70 | 17.11 | 501 | -22.44 | 55.35 | |
16.89 | 3,005.60 | -8.55 | 4,364.80 | #1 21.96 | 24 | -274.31 | 38.07 | |
143.28 | 1,522.90 | 23.44 | 2,171.00 | 20.07 | 115 | -33.04 | 45.12 | |
27.48 | 1,416.60 | -2.13 | 4,329.30 | 1.62 | -521 | -229.30 | 38.29 | |
272.50 | 1,234.00 | 9.06 | 994.50 | 15.32 | 132 | 4.80 | 38.90 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
11.40 %
Net Income Growth
-43.34 %
Cash Flow Change
27.33 %
ROE
-47.70 %
ROCE
-21.89 %
EBITDA Margin (Avg.)
-16.27 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 8,436 | 9,473 | 13,742 | 18,411 | 20,381 | 23,612 | 33,317 | 40,422 | 47,689 |
| Fixed Assets | 137 | 194 | 282 | 280 | 276 | 244 | 265 | 395 | 444 |
| Current Assets | 941 | 630 | 1,337 | 1,631 | 2,880 | 2,562 | 2,964 | 3,119 | 3,891 |
| Capital Work in Progress | 3 | 4 | 2 | 21 | 5 | 6 | 18 | 32 | 13 |
| Investments | 1,447 | 1,233 | 1,527 | 2,396 | 2,516 | 4,153 | 8,510 | 9,766 | 11,730 |
| Other Assets | 6,849 | 8,042 | 11,931 | 15,715 | 17,583 | 19,210 | 24,524 | 30,230 | 35,502 |
| Total Liabilities | 8,436 | 9,473 | 13,742 | 18,411 | 20,381 | 23,612 | 33,317 | 40,422 | 47,689 |
| Current Liabilities | 298 | 201 | 377 | 490 | 779 | 754 | 929 | 1,176 | 1,130 |
| Non Current Liabilities | 8,138 | 9,272 | 13,365 | 17,921 | 19,602 | 22,858 | 32,388 | 39,247 | 46,559 |
| Total Equity | 1,640 | 1,647 | 1,820 | 3,188 | 3,219 | 2,803 | 4,209 | 5,614 | 6,083 |
| Reserve & Surplus | 0 | 7 | 180 | 1,238 | 1,247 | 832 | 2,003 | 3,610 | 4,059 |
| Share Capital | 1,640 | 1,640 | 1,640 | 1,928 | 1,928 | 1,928 | 2,155 | 519 | 1,935 |
Cash Flow
| Cash Flow | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 687 | -225 | 617 | 261 | 595 | 230 | 151 | 210 | 633 |
| Investing Activities | -161 | -101 | -148 | -757 | -1,356 | -841 | -2,096 | -865 | -1,793 |
| Operating Activities | -7,084 | 2,314 | 478 | 242 | 2,657 | 2,554 | 1,060 | 1,593 | 2,028 |
| Financing Activities | 7,931 | -2,439 | 287 | 776 | -706 | -1,484 | 1,186 | -519 | 398 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | May 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 83.32 % | 83.32 % | 83.32 % | 83.32 % | 83.32 % | 83.32 % | 73.68 % | 73.68 % | 73.67 % | 73.67 % | 73.66 % | 73.60 % | 73.52 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 3.70 % | 3.49 % | 26.95 % | 24.68 % | 20.63 % | 17.88 % | 19.51 % | 19.56 % | 17.04 % |
| DIIs | 0.04 % | 0.01 % | 0.01 % | 0.01 % | 0.00 % | 0.00 % | 6.66 % | 8.21 % | 8.35 % | 7.08 % | 2.76 % | 3.99 % | 2.32 % | 7.79 % | 7.33 % | 6.50 % | 6.57 % | 8.47 % | 16.83 % | 20.13 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 8.11 % | 9.43 % | 14.10 % | 14.69 % | 14.69 % | 14.75 % | 12.23 % | 13.98 % | 14.05 % | 13.29 % | 16.00 % | 16.59 % | 18.61 % | 50.40 % | 52.66 % | 57.96 % | 60.46 % | 57.16 % | 49.41 % | 48.35 % |
| Others | 8.54 % | 7.24 % | 2.57 % | 1.98 % | 1.99 % | 1.93 % | 7.43 % | 4.13 % | 3.92 % | 5.96 % | 7.58 % | 2.12 % | 2.06 % | 14.86 % | 15.33 % | 14.91 % | 15.08 % | 14.86 % | 14.21 % | 14.47 % |
| No of Share Holders | 1,83,419 | 1,98,053 | 2,49,034 | 2,61,782 | 2,70,300 | 2,72,548 | 2,60,099 | 2,76,665 | 2,78,288 | 2,94,885 | 4,52,749 | 5,98,080 | 6,90,424 | 7,99,937 | 9,14,077 | 10,68,320 | 11,38,630 | 11,24,090 | 9,84,265 | 9,37,143 |
Dividend History
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.25 | 1.5 | 0.00 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.82 | 4.36 | 0.00 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 01 Mar 2023 |  Dividend | ₹ 0.75 /share | 01 Mar 2023 | 27.30 | 26.85 |
| 14 Jul 2023 | Dividend | ₹ 0.50 /share | 14 Jul 2023 | 29.00 | 41.55 |
| 03 Nov 2023 |  Extraordinary General Meeting | NA | 03 Nov 2023 | 49.85 | 53.05 |
| 12 Jul 2024 | Dividend | ₹ 1.50 /share | 12 Jul 2024 | 52.71 | 45.36 |
| 26 Jul 2024 |  Annual General Meeting | NA | 26 Jul 2024 | 52.71 | 43.90 |
| 24 Oct 2024 |  Quarterly Result Announcement | NA | 24 Oct 2024 | 40.82 | 38.07 |
| 23 Jan 2025 | Quarterly Result Announcement | NA | 23 Jan 2025 | 34.31 | 34.41 |
| 28 Mar 2025 | Extraordinary General Meeting | NA | 28 Mar 2025 | 32.07 | 34.58 |
| 30 Apr 2025 | Quarterly Result Announcement | NA | 30 Apr 2025 | 35.66 | 43.90 |
| 27 Jun 2025 | Annual General Meeting | NA | 27 Jun 2025 | 43.51 | 49.10 |
| 24 Jul 2025 | Quarterly Result Announcement | NA | 24 Jul 2025 | 49.12 | 47.02 |
| 17 Oct 2025 | Quarterly Result Announcement | NA | 17 Oct 2025 | 48.30 | 48.99 |
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation1 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation3 days ago
3 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation3 days ago
3 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation8 days ago
8 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 27, 2025
Oct 27, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptOct 21, 2025
Oct 21, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 18, 2025
Oct 18, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeOct 17, 2025
Oct 17, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseOct 17, 2025
Oct 17, 2025Announcement under Regulation 30 (LODR)-Investor PresentationOct 17, 2025
Oct 17, 2025Financial Results For The Quarter And Half Year Ended September 30 2025Oct 17, 2025
Oct 17, 2025Board Meeting Outcome for Outcome Of Board Meeting For Approval Of Financial Results For The Quarter And Half Year Ended September 30 2025Oct 17, 2025
Oct 17, 2025Grant Of Stock Options Under The ESOP Scheme Of The BankOct 14, 2025
Oct 14, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSOct 07, 2025
Oct 07, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 06, 2025
Oct 06, 2025Board Meeting Intimation for Prior Intimation Of Board Meeting To Be Held On October 17 2025Oct 06, 2025
Oct 06, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 04, 2025
Oct 04, 2025Key Business Numbers - Q2 FY 2025-26Oct 03, 2025
Oct 03, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 25, 2025
Sep 25, 2025Closure of Trading WindowSep 24, 2025
Sep 24, 2025Grant Of Stock Options Under The ESOP Scheme Of The BankSep 19, 2025
Sep 19, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 19, 2025
Sep 19, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 18, 2025
Sep 18, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 15, 2025
Sep 15, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 12, 2025
Sep 12, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 11, 2025
Sep 11, 2025Clarification On Query Regarding News Item Appearing In "Https://Economictimes.Indiatimes.Com/"Sep 09, 2025
Sep 09, 2025Clarification sought from Ujjivan Small Finance Bank LtdSep 09, 2025
Sep 09, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseSep 08, 2025
Sep 08, 2025Announcement under Regulation 30 (LODR)-Investor PresentationSep 08, 2025
Sep 08, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 06, 2025
Sep 06, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 05, 2025
Sep 05, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 02, 2025
Sep 02, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 28, 2025
Aug 28, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 28, 2025
Aug 28, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 22, 2025
Aug 22, 2025Announcement under Regulation 30 (LODR)-Change in ManagementAug 19, 2025
Aug 19, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 18, 2025
Aug 18, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 12, 2025
Aug 12, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 11, 2025
Aug 11, 2025Grant Of Stock Options Under The ESOP Scheme Of The BankAug 06, 2025
Aug 06, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 04, 2025
Aug 04, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 28, 2025
Jul 28, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 24, 2025
Jul 24, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 24, 2025
Jul 24, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJul 24, 2025
Jul 24, 2025Financial Results For The Quarter Ended June 30 2025Jul 24, 2025
Jul 24, 2025Mutual Fund Holdings
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Union Multicap Fund Direct - Growth Technical Indicators
RSI(14)
Neutral 59.44
ATR(14)
Volatile 1.58
STOCH(9,6)
Neutral 49.38
STOCH RSI(14)
Oversold 7.85
MACD(12,26)
Bearish -0.13
ADX(14)
Strong Trend 30.86
UO(9)
Bearish 47.86
ROC(12)
Uptrend And Accelerating 2.18
WillR(14)
Neutral -33.08
About Ujjivan Small Finance Bank
Ujjivan Small Finance Bank Limited is an Indian mass market focused small finance bank serving financially underserved segments. It operates through three segments: Treasury, Retail Banking, and Corporate/Wholesale Banking. The bank offers various financial products including micro banking loans, agriculture loans, housing loans, personal loans, vehicle loans, savings accounts, current accounts, and deposit accounts. As of March 31, 2024, Ujjivan SFB has a network of 629 branches and 596 ATMs across India. The bank provides services in multiple languages through various channels including mobile and internet banking. It has been expanding its presence by opening new branches, ATMs, and retail asset centers, particularly focusing on states like Uttar Pradesh, Gujarat, and Telangana.
Listing Date
12 Dec, 2019(5 Years,
27 days)
Website
Chairperson NameB A Prabhakar
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