| Annual Financials | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
Revenue  | 226 | 1,579 | 2,038 | 3,026 | 3,108 | 3,173 | 4,754 | 6,464 | 7,201 |
| Expenses | 112 | 922 | 983 | 1,417 | 1,944 | 2,603 | 1,730 | 2,396 | 3,541 |
| EBITDA | 5 | 50 | 329 | 539 | 87 | -470 | 1,558 | 1,801 | 942 |
| Operating Profit % | 49 % | 37 % | 46 % | 48 % | 31 % | 7 % | 58 % | 58 % | 44 % |
| Depreciation | 5 | 41 | 61 | 73 | 77 | 80 | 90 | 98 | 0 |
| Interest | 109 | 607 | 725 | 1,070 | 1,078 | 1,039 | 1,467 | 2,268 | 2,718 |
| Profit Before Tax | 0 | 9 | 268 | 466 | 10 | -550 | 1,467 | 1,702 | 942 |
| Tax | 0 | 2 | 69 | 116 | 2 | -136 | 367 | 421 | 216 |
| Net Profit | 0 | 7 | 199 | 350 | 8 | -415 | 1,100 | 1,282 | 726 |
| EPS in ₹ | 0.00 | 0.05 | 1.20 | 2.19 | 0.05 | -2.40 | 5.82 | 6.65 | 3.80 |
Ujjivan Small Finance Bank
43.03
-0.52
(-1.19%)
Market Cap
8,326.30 Cr
EPS
6.65
PE Ratio
11.47
Dividend Yield
0.00 %
Industry
Banks52 Week High
52.00
52 Week Low
30.88
PB Ratio
1.39
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
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 |
|---|---|---|---|---|---|---|---|---|
693.05 | #1 51,592.20 | 24.52 | 1,446.00 | 19.10 | 761 | #1 35.88 | 59.77 | |
43.03 | #2 8,326.30 | #3 11.47 | #1 6,463.90 | #2 35.96 | #1 1,282 | #4 -74.70 | 50.04 | |
63.61 | 7,250.70 | 49.34 | 6,285.10 | 30.09 | 799 | -79.72 | 50.22 | |
482.70 | 5,070.60 | #1 10.13 | 4,684.10 | 26.60 | 670 | -61.61 | 47.01 | |
23.06 | 2,540.30 | 105.00 | 3,578.80 | 27.62 | 498 | -98.12 | 41.74 | |
31.04 | 1,599.20 | 19.65 | 4,260.30 | 35.61 | 426 | -523.09 | 61.41 | |
140.44 | 1,492.70 | 13.02 | 1,808.10 | #1 41.14 | 216 | -155.59 | 65.25 | |
297.05 | 1,344.10 | 10.21 | 862.40 | 18.87 | 112 | 21.28 | 57.67 |
Automatic Screeners on ScanX
Forecast
Actual
Growth Rate
Revenue Growth
35.96 %
Net Income Growth
16.51 %
Cash Flow Change
49.32 %
ROE
-12.63 %
ROCE
11.46 %
EBITDA Margin (Avg.)
-1.07 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Total Assets | 8,436 | 9,473 | 13,742 | 18,411 | 20,381 | 23,612 | 33,317 | 40,422 |
| Fixed Assets | 137 | 194 | 282 | 280 | 276 | 244 | 265 | 395 |
| Current Assets | 941 | 630 | 1,337 | 1,631 | 2,880 | 2,562 | 2,964 | 3,119 |
| Capital Work in Progress | 3 | 4 | 2 | 21 | 5 | 6 | 18 | 32 |
| Investments | 1,447 | 1,233 | 1,527 | 2,396 | 2,516 | 4,153 | 8,510 | 9,766 |
| Other Assets | 6,849 | 8,042 | 11,931 | 15,715 | 17,583 | 19,210 | 24,524 | 30,230 |
| Total Liabilities | 8,436 | 9,473 | 13,742 | 18,411 | 20,381 | 23,612 | 33,317 | 40,422 |
| Current Liabilities | 298 | 201 | 377 | 490 | 779 | 754 | 929 | 1,176 |
| Non Current Liabilities | 8,138 | 9,272 | 13,365 | 17,921 | 19,602 | 22,858 | 32,388 | 39,247 |
| Total Equity | 1,640 | 1,647 | 1,820 | 3,188 | 3,219 | 2,803 | 4,209 | 5,614 |
| Reserve & Surplus | 0 | 7 | 180 | 1,238 | 1,247 | 832 | 2,003 | 3,610 |
| Share Capital | 1,640 | 1,640 | 1,640 | 1,928 | 1,928 | 1,928 | 2,155 | 519 |
Cash Flow
| Cash Flow | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Net Cash Flow | 687 | -225 | 617 | 261 | 595 | 230 | 151 | 210 |
| Investing Activities | -161 | -101 | -148 | -757 | -1,356 | -841 | -2,096 | -854 |
| Operating Activities | -7,084 | 2,314 | 478 | 242 | 2,657 | 2,554 | 1,060 | 1,583 |
| Financing Activities | 7,931 | -2,439 | 287 | 776 | -706 | -1,484 | 1,186 | -519 |
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 |
|---|---|---|---|---|---|
| 30 Apr 2025 |  Quarterly Result Announcement | NA | 30 Apr 2025 | 35.66 | 43.90 |
| 28 Mar 2025 |  Extraordinary General Meeting | NA | 28 Mar 2025 | 32.07 | 34.58 |
| 23 Jan 2025 | Quarterly Result Announcement | NA | 23 Jan 2025 | 34.31 | 34.41 |
| 24 Oct 2024 | Quarterly Result Announcement | NA | 24 Oct 2024 | 40.82 | 38.07 |
| 26 Jul 2024 |  Annual General Meeting | NA | 26 Jul 2024 | 52.71 | 43.90 |
| 12 Jul 2024 |  Dividend | ₹ 1.50 /share | 12 Jul 2024 | 52.71 | 45.36 |
| 03 Nov 2023 | Extraordinary General Meeting | NA | 03 Nov 2023 | 49.85 | 53.05 |
| 14 Jul 2023 | Dividend | ₹ 0.50 /share | 14 Jul 2023 | 29.00 | 41.55 |
| 01 Mar 2023 | Dividend | ₹ 0.75 /share | 01 Mar 2023 | 27.30 | 26.85 |
Announcements
Announcement under Regulation 30 (LODR)-Newspaper Publication
3 days ago
3 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation4 days ago
4 days agoGrant Of Stock Options Under ESOP Scheme Of The Bank5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation9 days ago
9 days agoAnnouncement 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, 2025Board Meeting Intimation for Intimation Of Board Meeting To Be Held On April 30 2025 For Approval Of Audited Financial Results Of The Bank For The Year Ending On March 31 2025Mar 26, 2025
Mar 26, 2025Closure of Trading WindowMar 26, 2025
Mar 26, 2025Grant Of Stock Options Under The ESOP Scheme 2019Mar 24, 2025
Mar 24, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 24, 2025
Mar 24, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 20, 2025
Mar 20, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 14, 2025
Mar 14, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMar 12, 2025
Mar 12, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 07, 2025
Mar 07, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationMar 07, 2025
Mar 07, 2025Notice Of Extra-Ordinary General Meeting (EGM) Of The BankMar 06, 2025
Mar 06, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationMar 06, 2025
Mar 06, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateMar 05, 2025
Mar 05, 2025Intimation Of Outcome Of Board MeetingMar 05, 2025
Mar 05, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 04, 2025
Mar 04, 2025Intimation Of Sale Of NPA And Written Off LoansFeb 28, 2025
Feb 28, 2025Intimation Of Action Initiated Or Order Passed Against The BankFeb 21, 2025
Feb 21, 2025Sale Of NPA And Written Off Loans To ARCFeb 21, 2025
Feb 21, 2025Intimation Of Action Initiated Or Order Passed Against The Bank.Feb 20, 2025
Feb 20, 2025Intimation Of Action Initiated Or Order Passed Against The Bank.Feb 20, 2025
Feb 20, 2025Intimation Of Action Initiated Or Order PassedFeb 14, 2025
Feb 14, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 14, 2025
Feb 14, 2025Intimation Of Grant Of Certificate Of Registration By SEBI As Bankers To An IssueFeb 11, 2025
Feb 11, 2025Technical Indicators
RSI(14)
Neutral 50.04
ATR(14)
Less Volatile 1.39
STOCH(9,6)
Neutral 35.64
STOCH RSI(14)
Oversold 13.80
MACD(12,26)
Bearish -0.33
ADX(14)
Weak Trend 16.89
UO(9)
Bearish 40.15
ROC(12)
Downtrend And Accelerating -4.16
WillR(14)
Oversold -84.49
Mutual Fund Holdings
| Funding House | No of Shares | Current Holding % | 1M Change % | 3M Change % | Month | |
|---|---|---|---|---|---|---|
 UTI Banking and Financial Services Fund Direct Plan-Growth | 6464317 | 2.18% | 2.18% | 2.18% | Apr 2025 | |
 Kotak Banking & Financial Services Fund Direct - Growth | 4250000 | 1.54% | 1.54% | 1.54% | Apr 2025 | |
 Bajaj Finserv Multi Cap Fund Direct-Growth | 1400000 | 0.99% | 0.99% | 0.99% | Apr 2025 | |
 JM Aggressive Hybrid Fund Direct-Growth | 5076466 | 2.70% | 0.78% | 1.25% | Apr 2025 | |
 Canara Robeco Small Cap Fund Direct - Growth | 19846908 | 0.74% | 0.74% | 0.74% | Apr 2025 | |
| UTI Small Cap Fund Direct - Growth | 7201854 | 0.72% | 0.72% | 0.72% | Apr 2025 | |
 Sundaram Long Term Tax Advantage Fund Series IV Direct - Growth | 178820 | 3.75% | 0.62% | 0.72% | Apr 2025 | |
 Sundaram Long Term Micro Cap Tax Advantage Fund Series V Direct - Growth | 241296 | 3.67% | 0.62% | 0.73% | Apr 2025 | |
| Sundaram Long Term Micro Cap Tax Advantage Fund Series IV Direct - Growth | 290098 | 3.73% | 0.62% | 0.71% | Apr 2025 | |
| Sundaram Long Term Micro Cap Tax Advantage Fund Series VI Direct - Growth | 298383 | 3.76% | 0.61% | 0.71% | Apr 2025 | |
| Sundaram Long Term Tax Advantage Fund Series III Direct - Growth | 268914 | 3.69% | 0.61% | 0.69% | Apr 2025 | |
| Sundaram Long Term Micro Cap Tax Advantage Fund Series III Direct-Growth | 604881 | 3.67% | 0.60% | 0.69% | Apr 2025 | |
| Sundaram Financial Services Opportunities Fund Direct-Growth | 15383384 | 4.30% | 0.56% | 0.57% | Apr 2025 | |
 Franklin India Smaller Companies Fund Direct-Growth | 15000000 | 0.51% | 0.51% | 0.51% | Apr 2025 | |
| Sundaram Small Cap Fund Direct-Growth | 18825767 | 2.62% | 0.43% | 0.43% | Apr 2025 | |
| Sundaram Services Fund Direct - Growth | 22286806 | 2.38% | 0.33% | 0.36% | Apr 2025 | |
 LIC MF Banking & Financial Services Fund Direct-Growth | 189810 | 0.31% | 0.31% | 0.31% | Apr 2025 | |
| Bajaj Finserv Flexi Cap Fund Direct-Growth | 3145237 | 0.30% | 0.30% | 0.30% | Apr 2025 | |
 Mahindra Manulife Small Cap Fund Direct - Growth | 7097008 | 0.85% | 0.24% | 0.23% | Apr 2025 | |
 Motilal Oswal Nifty Microcap 250 Index Fund Direct - Growth | 5406703 | 1.16% | 0.21% | 1.16% | Apr 2025 | |
 Aditya Birla Sun Life Small Cap Fund Direct-Growth | 5824430 | 0.55% | 0.19% | 0.55% | Apr 2025 | |
 Bandhan Business Cycle Fund Direct-Growth | 697893 | 0.18% | 0.18% | 0.18% | Apr 2025 | |
| Sundaram Multi Asset Allocation Fund Direct - Growth | 6372223 | 1.05% | 0.16% | 0.19% | Apr 2025 | |
 Axis Nifty500 Value 50 Index Fund DirectGrowth | 65469 | 0.32% | 0.06% | 0.06% | Apr 2025 | |
| UTI Nifty 500 Value 50 Index Fund Direct - Growth | 391221 | 0.32% | 0.06% | 0.05% | Apr 2025 |
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,
20 days)
Website
Chairperson NameB A Prabhakar
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