Ujjivan Small Finance Bank

Ujjivan Small Finance Bank

48.72
-0.27
(-0.55%)
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Key Fundamentals
Add Ratio
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
Analyst Rating and Forecast
- By Refinitiv from13 analysts
BUY
Analysts have suggested that investors can buy this stock
Buy
Buy+92.31 %
+92.31 %
Hold
Hold0.0 %
0.0 %
Sell
Sell+7.69 %
+7.69 %
Forecast For
Actual

Company News

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positive
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.
positive
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.
negative
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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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
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

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

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 Dividend
₹ 0.75 /share
01 Mar 2023 27.30 26.85
14 Jul 2023 DIVIDEND Dividend
₹ 0.50 /share
14 Jul 2023 29.00 41.55
03 Nov 2023 EXTRAORDINARY GENERAL MEETING Extraordinary General Meeting
NA
03 Nov 2023 49.85 53.05
12 Jul 2024 DIVIDEND Dividend
₹ 1.50 /share
12 Jul 2024 52.71 45.36
26 Jul 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
26 Jul 2024 52.71 43.90
24 Oct 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
24 Oct 2024 40.82 38.07
23 Jan 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
23 Jan 2025 34.31 34.41
28 Mar 2025 EXTRAORDINARY GENERAL MEETING Extraordinary General Meeting
NA
28 Mar 2025 32.07 34.58
30 Apr 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
30 Apr 2025 35.66 43.90
27 Jun 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
27 Jun 2025 43.51 49.10
24 Jul 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
24 Jul 2025 49.12 47.02
17 Oct 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
17 Oct 2025 48.30 48.99

Announcements

Announcement under Regulation 30 (LODR)-Newspaper Publication17 hours ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome1 day ago
Announcement under Regulation 30 (LODR)-Press Release / Media Release1 day ago
Announcement under Regulation 30 (LODR)-Investor Presentation1 day ago
Financial Results For The Quarter And Half Year Ended September 30 20251 day ago
Board Meeting Outcome for Outcome Of Board Meeting For Approval Of Financial Results For The Quarter And Half Year Ended September 30 20251 day ago
Grant Of Stock Options Under The ESOP Scheme Of The Bank4 days ago
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSOct 07, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 06, 2025
Board Meeting Intimation for Prior Intimation Of Board Meeting To Be Held On October 17 2025Oct 06, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 04, 2025
Key Business Numbers - Q2 FY 2025-26Oct 03, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 25, 2025
Closure of Trading WindowSep 24, 2025
Grant Of Stock Options Under The ESOP Scheme Of The BankSep 19, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 19, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 18, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 15, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 12, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 11, 2025
Clarification On Query Regarding News Item Appearing In "Https://Economictimes.Indiatimes.Com/"Sep 09, 2025
Clarification sought from Ujjivan Small Finance Bank LtdSep 09, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseSep 08, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationSep 08, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 06, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 05, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 02, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 28, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 28, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 22, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementAug 19, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 18, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 14, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 12, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 11, 2025
Grant Of Stock Options Under The ESOP Scheme Of The BankAug 06, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 04, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 28, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 25, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 25, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 24, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 24, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationJul 24, 2025
Financial Results For The Quarter Ended June 30 2025Jul 24, 2025
Board Meeting Outcome for Board Meeting Outcome For The Approval Of The Financial Results For The Quarter Ended June 30 2025Jul 24, 2025
Grant Of Stock Options Under The ESOP Scheme Of The BankJul 22, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 17, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementJul 10, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJul 08, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 04, 2025

Mutual Fund Holdings

Funding HouseCurrent Holding %1M Change1M Change %3M Change %Last 6M Trend
Bandhan Large & Mid Cap Fund Direct-Growth
0.17%
3948046
0.17%
0.17%
Baroda BNP Paribas Midcap Fund Direct-Growth
0.66%
3127000
0.66%
0.66%
Union Multicap Fund Direct - Growth
1.00%
2763606
1.00%
1.00%
Baroda BNP Paribas Small Cap Fund Direct - Growth
1.00%
2673000
1.00%
1.00%
Baroda BNP Paribas ELSS Tax Saver Fund Direct-Growth
1.31%
2535929
1.31%
1.31%
LIC MF Flexi Cap Fund Direct-Growth
1.83%
2387206
1.12%
1.83%
Baroda BNP Paribas Value Fund Direct - Growth
0.86%
2250000
0.86%
0.86%
UTI Small Cap Fund Direct - Growth
1.15%
2170048
0.29%
0.28%
Sundaram Services Fund Direct - Growth
1.65%
-1079757
-0.01%
-0.06%
Bajaj Finserv Small Cap Fund Direct-Growth
2.32%
968423
0.33%
0.34%
Baroda BNP Paribas Retirement Fund Direct - Growth
0.89%
719282
0.89%
0.89%
ITI Banking and Financial Services Fund Direct - Growth
1.01%
681000
1.01%
-0.01%
Baroda BNP Paribas Conservative Hybrid Fund Direct-Growth
0.34%
601436
0.34%
0.34%
Union Business Cycle Fund Direct - Growth
1.57%
587758
0.56%
0.55%
Aditya Birla Sun Life Small Cap Fund Direct-Growth
0.79%
550000
0.10%
0.10%
Baroda BNP Paribas Equity Savings Fund Direct - Growth
0.60%
340348
0.60%
0.60%
Baroda BNP Paribas Children's Fund Direct-Growth
1.55%
324564
1.55%
1.55%
Bandhan Small Cap Fund Direct-Growth
0.29%
241724
0.01%
-0.01%
JM Focused Direct Plan-Growth
4.16%
200000
0.50%
0.85%
Motilal Oswal Innovation Opportunities Fund Direct-Growth
3.76%
180096
-0.19%
-0.63%
Baroda BNP Paribas Banking and Financial Services Direct-Growth
1.92%
109595
0.26%
0.20%
LIC MF Banking & Financial Services Fund Direct-Growth
1.06%
95361
0.22%
1.06%
Motilal Oswal Nifty Microcap 250 Index Fund Direct - Growth
1.14%
45381
0.08%
0.08%
Groww Nifty Total Market Index Fund Direct - Growth
0.04%
475
0.00%
0.00%
Angel One Nifty Total Market Index Fund Direct - Growth
0.04%
153
0.00%
0.00%

Technical Indicators

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)
Chairperson NameB A Prabhakar