| 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 |
Ujjivan Small Finance Bank
47.14
+0.14
(0.30%)
Market Cap
9,122.60 Cr
EPS
3.75
PE Ratio
12.54
Dividend Yield
0.00 %
Industry
Banks52 Week High
51.87
52 Week Low
30.88
PB Ratio
1.52
Debt to Equity
0.00
Sector
Small Finance Bank
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from13 analysts
Company News
View All News
Ujjivan Small Finance Bank: Q1 Deposits Up 18.8%, Strong Growth in MSME and Housing Loans3 days ago
Ujjivan Small Finance Bank reported an 18.8% YoY increase in total deposits to ₹38,612 crore for Q1 FY26. Gross loan book grew 10.7% YoY to ₹33,287 crore. Affordable housing loans rose 53.1%, while MSME loans increased 59.3%. Overall disbursements grew 23.8% YoY to ₹6,543 crore. GNPA stood at 2.5%, up from previous quarter. CASA ratio declined to 24.3%.
Ujjivan Small Finance Bank has reported a decrease in its CASA (Current Account Savings Account) ratio. The ratio has fallen to 24.3% from 25.6% compared to the same period last year. This indicates a reduction in the proportion of low-cost deposits in the bank's total deposits.
Ujjivan Small Finance Bank has reported a 10.7% year-on-year increase in its gross loan book, reaching ₹33,287 crore. The bank's total deposits have also grown to ₹38,612 crore, up from ₹32,514 crore in the previous quarter.
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 |
|---|---|---|---|---|---|---|---|---|
811.85 | #1 60,478.96 | 28.78 | 1,446.00 | 19.10 | #1 761 | #1 35.88 | 65.52 | |
47.14 | #2 9,122.60 | #3 12.54 | #1 7,200.60 | #8 11.40 | #2 726 | #4 -74.70 | 54.93 | |
62.64 | 7,142.85 | 49.29 | 6,311.73 | 30.09 | 147 | -79.72 | 54.56 | |
488.85 | 5,141.56 | 10.31 | 4,709.79 | 26.60 | 501 | -61.61 | 46.83 | |
23.73 | 2,614.12 | 107.64 | 3,764.93 | 27.62 | 24 | -98.12 | 50.79 | |
33.84 | 1,744.21 | 19.65 | 3,862.22 | 35.61 | -521 | -523.09 | 65.38 | |
136.67 | 1,452.59 | 12.75 | 1,953.75 | #1 41.14 | 115 | -155.59 | 53.66 | |
279.90 | 1,266.46 | #1 9.68 | 908.50 | 18.87 | 132 | 21.28 | 35.70 |
Forecast
Actual
Growth Rate
Revenue Growth
11.40 %
Net Income Growth
-43.34 %
Cash Flow Change
28.17 %
ROE
-47.70 %
ROCE
-21.89 %
EBITDA Margin (Avg.)
-16.27 %
Balance Sheet
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 | -854 | -1,793 |
| Operating Activities | -7,084 | 2,314 | 478 | 242 | 2,657 | 2,554 | 1,060 | 1,583 | 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 |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 |
Dividend History
Dividends per share (FY)
Dividend yield (FY) %
Dividends per share (FY)
Dividend yield (FY) %
| 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 |
|---|---|---|---|---|---|
| 24 Jul 2025 |  Quarterly Result Announcement | NA | 24 Jul 2025 | 48.60 | 47.00 |
| 27 Jun 2025 |  Annual General Meeting | NA | 27 Jun 2025 | 43.35 | 48.79 |
| 30 Apr 2025 | Quarterly Result Announcement | NA | 30 Apr 2025 | 34.73 | 42.51 |
| 28 Mar 2025 |  Extraordinary General Meeting | NA | 28 Mar 2025 | 33.87 | 34.41 |
| 23 Jan 2025 | Quarterly Result Announcement | NA | 23 Jan 2025 | 33.52 | 34.56 |
| 24 Oct 2024 | Quarterly Result Announcement | NA | 24 Oct 2024 | 41.29 | 36.59 |
| 26 Jul 2024 | Annual General Meeting | NA | 26 Jul 2024 | 53.40 | 43.10 |
| 12 Jul 2024 |  Dividend | ₹ 1.50 /share | 12 Jul 2024 | 53.40 | 44.43 |
| 03 Nov 2023 | Extraordinary General Meeting | NA | 03 Nov 2023 | 50.04 | 53.79 |
| 14 Jul 2023 | Dividend | ₹ 0.50 /share | 14 Jul 2023 | 29.25 | 42.81 |
| 01 Mar 2023 | Dividend | ₹ 0.75 /share | 01 Mar 2023 | 27.85 | 26.60 |
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
4 days ago
4 days agoBoard Meeting Intimation for Approval Of Unaudited Financial Results For Quarter Ended June 30 20254 days ago
4 days agoKey Business Numbers - Q1 FY264 days ago
4 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation9 days ago
9 days agoIntimation Of Re-Appointment Of Ms. Carol Kripanayana Furtado As The Whole-Time Director Of The Bank Who Was Liable To Retire By Rotation In The 9Th Annual General Meeting Held On June 27 202510 days ago
10 days agoAppointment Of Secretarial Auditor Of The Bank10 days ago
10 days agoShareholder Meeting / Postal Ballot-Scrutinizers Report10 days ago
10 days agoShareholder Meeting / Postal Ballot-Outcome of AGM10 days ago
10 days agoClosure of Trading WindowJun 25, 2025
Jun 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 24, 2025
Jun 24, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateJun 24, 2025
Jun 24, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 19, 2025
Jun 19, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJun 12, 2025
Jun 12, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJun 11, 2025
Jun 11, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 10, 2025
Jun 10, 2025Clarification On The Email Received On Significant Increase In The Volume Of Banks SecurityJun 09, 2025
Jun 09, 2025Clarification sought from Ujjivan Small Finance Bank LtdJun 09, 2025
Jun 09, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJun 04, 2025
Jun 04, 2025Business Responsibility and Sustainability Reporting (BRSR)Jun 03, 2025
Jun 03, 2025Reg. 34 (1) Annual Report.Jun 03, 2025
Jun 03, 2025Notice Of Annual General Meeting- June 27 2025Jun 03, 2025
Jun 03, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJun 02, 2025
Jun 02, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 28, 2025
May 28, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 27, 2025
May 27, 2025Grant Of Stock Options Under ESOP Scheme Of The BankMay 26, 2025
May 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 22, 2025
May 22, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 15, 2025
May 15, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMay 15, 2025
May 15, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 12, 2025
May 12, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 09, 2025
May 09, 2025Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 08, 2025
May 08, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 06, 2025
May 06, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptMay 02, 2025
May 02, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 02, 2025
May 02, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 01, 2025
May 01, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationApr 30, 2025
Apr 30, 2025Appointment Of Head Of Internal Audit W.E.F. June 02 2025Apr 30, 2025
Apr 30, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseApr 30, 2025
Apr 30, 2025Financial Results And Audit Report For The Quarter And Year Ended March 31 2025Apr 30, 2025
Apr 30, 2025Board Meeting Outcome for Financial Results For The Quarter And Year Ended March 31 2025Apr 30, 2025
Apr 30, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSApr 17, 2025
Apr 17, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationApr 16, 2025
Apr 16, 2025Clarification On Query Received From BSEApr 09, 2025
Apr 09, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Apr 09, 2025
Apr 09, 2025Compliance Certificate Under Regulation 7(3) Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 For The Year Ended March 31 2024.Apr 09, 2025
Apr 09, 2025Key Business Numbers For Quarter Ended March 31 2025Apr 04, 2025
Apr 04, 2025Intimation Regarding Cautionary LettersMar 31, 2025
Mar 31, 2025Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportMar 28, 2025
Mar 28, 2025Shareholder Meeting / Postal Ballot-Outcome of EGMMar 28, 2025
Mar 28, 2025Announcement under Regulation 30 (LODR)-Credit RatingMar 27, 2025
Mar 27, 2025Technical Indicators
RSI(14)
Neutral 46.53
ATR(14)
Volatile 1.77
STOCH(9,6)
Neutral 55.95
STOCH RSI(14)
Oversold 4.85
MACD(12,26)
Bearish -0.33
ADX(14)
Strong Trend 34.13
UO(9)
Bearish 46.08
ROC(12)
Downtrend And Accelerating -2.04
WillR(14)
Neutral -74.89
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ITI Banking and Financial Services Fund Direct - Growth 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,
26 days)
Website
Chairperson NameB A Prabhakar
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