| 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
48.72
-0.27
(-0.55%)
Q1 Quarterly Results are out. Check out the updated financials1 day ago
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Key Fundamentals
Market Cap
9,490.10 Cr
EPS
3.75
PE Ratio
22.67
Dividend Yield
0.00 %
Industry
Banks 52 Week High
51.87
52 Week Low
30.88
PB Ratio
1.52
Debt to Equity
0.00
Sector
Small Finance Bank Analyst Rating and Forecast
- By Refinitiv from13 analysts
Actual
Company News
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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 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.
Ujjivan Small Finance Bank reported a net profit of 1.2 billion rupees in Q2, representing a significant decrease from 2.3 billion rupees in the same quarter of the previous year. This marks a year-over-year decline of approximately 48% in the bank's quarterly earnings.
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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 |
|---|---|---|---|---|---|---|---|---|
792.45 | #1 59,560.00 | 27.12 | 1,446.00 | 19.10 | #1 761 | -1.80 | 67.69 | |
48.72 | #2 9,490.10 | #7 22.67 | #2 7,200.60 | #7 11.40 | #2 726 | #4 -47.77 | 59.93 | |
56.15 | 6,336.60 | #1 -62.37 | #1 7,223.20 | 14.93 | 147 | -967.44 | 50.54 | |
450.50 | 4,855.20 | 10.94 | 5,485.70 | 17.11 | 501 | -22.44 | 34.26 | |
17.90 | 3,210.30 | -9.02 | 4,364.80 | #1 21.96 | 24 | -274.31 | 44.20 | |
141.29 | 1,499.40 | 18.73 | 2,171.00 | 20.07 | 115 | -49.64 | 52.70 | |
28.12 | 1,455.30 | -2.18 | 4,329.30 | 1.62 | -521 | -229.30 | 34.85 | |
276.70 | 1,248.80 | 9.36 | 994.50 | 15.32 | 132 | #1 6.67 | 40.29 |
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)-Newspaper Publication
17 hours ago
17 hours agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome1 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Press Release / Media Release1 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Investor Presentation1 day ago
1 day agoFinancial Results For The Quarter And Half Year Ended September 30 20251 day ago
1 day agoBoard Meeting Outcome for Outcome Of Board Meeting For Approval Of Financial Results For The Quarter And Half Year Ended September 30 20251 day ago
1 day agoGrant Of Stock Options Under The ESOP Scheme Of The Bank4 days ago
4 days agoAnnouncement 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, 2025Board Meeting Outcome for Board Meeting Outcome For The Approval Of The Financial Results For The Quarter Ended June 30 2025Jul 24, 2025
Jul 24, 2025Grant Of Stock Options Under The ESOP Scheme Of The BankJul 22, 2025
Jul 22, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 17, 2025
Jul 17, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJul 10, 2025
Jul 10, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJul 08, 2025
Jul 08, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 04, 2025
Jul 04, 2025Mutual Fund Holdings
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RSI(14)
Neutral 61.82
ATR(14)
Less Volatile 1.26
STOCH(9,6)
Neutral 63.77
STOCH RSI(14)
Neutral 63.30
MACD(12,26)
Bullish 0.09
ADX(14)
Weak Trend 23.81
UO(9)
Bearish 50.45
ROC(12)
Uptrend And Accelerating 6.32
WillR(14)
Overbought -14.62
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,
37 days)
Website
Chairperson NameB A Prabhakar
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