| 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 | 7,294 |
| Expenses | 112 | 922 | 983 | 1,417 | 1,944 | 2,603 | 1,730 | 2,396 | 3,406 | 3,771 |
| EBITDA | 5 | 50 | 329 | 539 | 87 | -470 | 1,558 | 1,801 | 1,076 | 678 |
| Operating Profit % | 49 % | 37 % | 46 % | 48 % | 31 % | 7 % | 58 % | 58 % | 46 % | 41 % |
| 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 | 2,845 |
| Profit Before Tax | 0 | 9 | 268 | 466 | 10 | -550 | 1,467 | 1,702 | 942 | 678 |
| Tax | 0 | 2 | 69 | 116 | 2 | -136 | 367 | 421 | 216 | 149 |
| Net Profit | 0 | 7 | 199 | 350 | 8 | -415 | 1,100 | 1,282 | 726 | 528 |
| EPS in ₹ | 0.00 | 0.05 | 1.20 | 2.19 | 0.05 | -2.40 | 5.82 | 6.65 | 3.75 | 2.70 |
Ujjivan Small Finance Bank
Ujjivan Small Finance Bank
48.61
-0.28
(-0.57%)
There are new updates from the company18 hours ago
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Key Fundamentals
Market Cap
9,416.50 Cr
EPS
3.75
PE Ratio
17.90
Dividend Yield
0.00 %
Industry
Banks 52 Week High
51.87
52 Week Low
30.88
PB Ratio
1.58
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 reported yearly growth across key metrics. Deposits increased to 391 billion from 341 billion, while the loan book expanded to 346 billion from 303 billion. Total disbursements rose to 79.6 billion from 53.8 billion.
Ujjivan Small Finance Bank Schedules London Investor Roadshow with 12 Global Investment Firms
Sep 12, 2025
Sep 12, 2025Ujjivan Small Finance Bank will conduct a non-deal roadshow in London from September 17-19, 2025. The bank's management will hold one-on-one meetings with 12 investors including Carmignac Gestion, Marshall Wace, Sun Global Investments, Jupiter Asset Management, Aberdeen Investments, GIB Asset Management, North Rock, Mobius Capital, Millennium Partners, Capital Group, Pictet Asset Management, and Columbia Threadneedle. The bank confirmed that no unpublished price sensitive information will be shared during these meetings.
Ujjivan Small Finance Bank Confirms Rs 2,000 Crore Capital Requirement Over 18-24 MonthsSep 09, 2025
Sep 09, 2025Ujjivan Small Finance Bank responded to exchange queries regarding media reports about its capital raising plans. The bank confirmed that during an analyst day event held on September 8, 2025, MD & CEO Sanjeev Nautiyal provided guidance that the bank will need additional capital of around Rs 2,000 crores in the next 18-24 months to support its growth trajectory outlined in its five-year outlook until FY29-30. The bank clarified that this guidance was given in response to media queries about future capital raising plans and universal bank application status. The bank stated it has made all necessary disclosures in accordance with applicable regulations and has no additional material price sensitive information requiring disclosure.
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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 |
|---|---|---|---|---|---|---|---|---|
763.15 | #1 56,923.22 | 26.08 | 1,446.00 | 19.10 | #1 761 | #1 15.58 | 56.62 | |
48.61 | #2 9,416.50 | #3 17.90 | #2 7,200.60 | #7 11.40 | #2 726 | #5 -65.73 | 65.28 | |
57.80 | 6,592.11 | 43.63 | #1 7,223.20 | 14.93 | 147 | -967.44 | 58.80 | |
481.30 | 5,064.56 | 11.78 | 5,485.70 | 17.11 | 501 | -40.27 | 58.08 | |
21.76 | 2,397.10 | 99.59 | 4,364.80 | #1 21.96 | 24 | -274.31 | 58.72 | |
145.11 | 1,542.37 | 19.66 | 2,171.00 | 20.07 | 115 | -49.64 | 73.28 | |
29.68 | 1,530.04 | 19.65 | 4,329.30 | 1.62 | -521 | -229.30 | 55.41 | |
282.00 | 1,277.07 | #1 9.50 | 994.50 | 15.32 | 132 | 6.67 | 47.28 |
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 |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 |
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 |
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation18 hours ago
18 hours agoBoard Meeting Intimation for Prior Intimation Of Board Meeting To Be Held On October 17 20251 day ago
1 day agoCompliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 20182 days ago
2 days agoKey Business Numbers - Q2 FY 2025-263 days ago
3 days agoAnnouncement 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, 2025Board Meeting Intimation for Approval Of Unaudited Financial Results For Quarter Ended June 30 2025Jul 04, 2025
Jul 04, 2025Key Business Numbers - Q1 FY26Jul 04, 2025
Jul 04, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 28, 2025
Jun 28, 2025Intimation 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 2025Jun 27, 2025
Jun 27, 2025Appointment Of Secretarial Auditor Of The BankJun 27, 2025
Jun 27, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportJun 27, 2025
Jun 27, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMJun 27, 2025
Jun 27, 2025Closure of Trading WindowJun 25, 2025
Jun 25, 2025Mutual Fund Holdings
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RSI(14)
Neutral 65.28
ATR(14)
Less Volatile 1.27
STOCH(9,6)
Neutral 66.88
STOCH RSI(14)
Overbought 88.80
MACD(12,26)
Bullish 0.25
ADX(14)
Weak Trend 16.78
UO(9)
Bearish 64.35
ROC(12)
Uptrend And Accelerating 5.16
WillR(14)
Overbought -5.47
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,
25 days)
Website
Chairperson NameB A Prabhakar
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