Ujjivan Small Finance Bank Deposits Rise 25.1% YoY to ₹48,307 Crore in Q1FY27

Ujjivan Small Finance Bank reported a 25.1% year-on-year increase in total deposits to ₹48,307 crore for the quarter ended June 30, 2026. The gross loan book grew 28.9% to ₹42,903 crore during the same period, reflecting an expansion in lending across secured and unsecured segments. The bank's asset quality improved, with the Gross Non-Performing Assets (GNPA) ratio declining to 2.17% from 2.52% in the prior year.

Deposits and Credit-Deposit Ratio

Total deposits rose from ₹38,619 crore in Q1FY26 to ₹48,307 crore in Q1FY27. On a quarter-on-quarter basis, deposits increased by 5.8% from ₹45,668 crore in Q4FY26. The Current Account Savings Account (CASA) ratio stood at 26.8%, up from 24.3% a year ago. The Credit-Deposit Ratio was 88.8% for Q1FY27.

Particulars (₹ crore):	Q1FY27	Q1FY26	Y-o-Y	Q4FY26	Q-o-Q
Total Deposits:	48,307	38,619	25.1%	45,668	5.8%
CASA:	12,930	9,381	37.8%	13,062	-1.0%
CASA Ratio (%):	26.8%	24.3%	—	28.6%	—
Credit-Deposit Ratio (%):	88.8%	86.2%	—	89.0%	—

Gross Loan Book and Disbursements

The gross loan book reached ₹42,903 crore in Q1FY27, compared to ₹33,287 crore in Q1FY26. Secured loans constituted 50.2% of the total book, amounting to ₹21,555 crore, a significant increase from 45.5% in the previous year. Total disbursements for the quarter stood at ₹9,252 crore, a 41.5% year-on-year increase.

Particulars (₹ crore):	Q1FY27	Q1FY26	Y-o-Y	Q4FY26	Q-o-Q
Gross Loan Book:	42,903	33,287	28.9%	40,655	5.5%
Total Secured Book:	21,555	15,162	42.2%	20,079	7.3%
Disbursements:	9,252	6,539	41.5%	9,811	-5.7%

Asset Quality

The bank's asset quality metrics showed improvement during the quarter. The GNPA ratio decreased to 2.17% in Q1FY27 from 2.52% in Q1FY26 and 2.27% in Q4FY26. The Provisioning Coverage Ratio (PAR) stood at 3.58%, down from 4.81% in the corresponding quarter of the previous year. Write-offs for the quarter were ₹68 crore.

Particulars:	Q1FY27	Q1FY26	Q4FY26
PAR (%):	3.58%	4.81%	3.54%
GNPA (%):	2.17%	2.52%	2.27%
Write-Off (₹ crore):	68	154	50

Micro Banking collection efficiency for Bucket X was 99.68% in Q1FY27. The information is provisional and subject to audit or limited review by the statutory auditors.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
+5.90%	+5.16%	+21.50%	+11.18%	+45.98%	+131.56%

Ujjivan Small Finance Bank Limited has informed the stock exchanges regarding the publication of a newspaper advertisement for its 10th Annual General Meeting (AGM). The meeting is scheduled to be held on Friday, July 24, 2026, at 03:30 PM IST through Video Conferencing (VC) or Other Audio Visual Means (OAVM). The intimation, signed by Company Secretary and Head of Regulatory Framework Sanjeev Barnwal, confirms compliance with Regulation 34 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, and Section 108 of the Companies Act, 2013.

The Notice of the 10th AGM and the Annual Report for the Financial Year 2025-26 were dispatched electronically to members on Tuesday, June 30, 2026. A public notice was published in the Financial Express (English) and Hosadigantha (Kannada) on July 1, 2026. The cut-off date for determining members eligible to vote has been fixed as Friday, July 17, 2026.

E-Voting and Participation Details

Members can cast their votes through remote e-voting from 09:00 AM on Tuesday, July 21, 2026, until 05:00 PM on Thursday, July 23, 2026. KFin Technologies Limited has been appointed as the e-voting agency. Members who have not cast their votes remotely may also vote during the AGM via the e-voting system. The facility for remote e-voting will be disabled immediately after the conclusion of the voting period.

Meeting Agenda

The AGM will transact ordinary and special business as set out in the Notice dated May 08, 2026. The business includes the adoption of financial statements for FY 2025-26 and other resolutions. The AGM Notice and Annual Report are available on the Bank's website at www.ujjivansfb.bank.in .