Ujjivan Small Finance Bank files BRSR for FY26
Ujjivan Small Finance Bank filed its BRSR for FY26, reporting a 23.5% reduction in paper intensity and over 1.2 lakh WATSAN loans. The bank's ESG oversight is managed by the CSR & Sustainability Committee.
*this image is generated using AI for illustrative purposes only.
Ujjivan Small Finance Bank has filed its Business Responsibility and Sustainability Report (BRSR) for the financial year 2025-26 with the National Stock Exchange of India and BSE Limited. The filing, submitted by Sanjeev Barnwal, Company Secretary and Head of Regulatory Framework, details the bank's adherence to the National Guidelines on Responsible Business Conduct and its progress on environmental, social, and governance (ESG) initiatives.
ESG Performance and Initiatives
The bank reported a 23.5% reduction in paper procurement intensity compared to FY 2022-23, attributed to various digitalization initiatives across business processes. Ujjivan Small Finance Bank also launched the WATSAN (Water and Sanitation) Loan in 2023, disbursing over 1.2 lakh loans that have benefited more than 500,000 customers, primarily women in rural, urban, and semi-urban areas. Independent assessments indicate that the average income of these beneficiaries increased by approximately ₹11,379 per month.
Operational and Employee Metrics
As of the end of FY 2025-26, the bank operated 827 offices, comprising 776 banking outlets and 51 other offices including corporate and regional offices. The total workforce stood at 30,820 employees, with 81% being male and 19% female. The bank achieved an average of 48.2 training hours per employee during the year.
Governance and Oversight
The bank's ESG functions are overseen by the Board-level CSR & Sustainability Committee, effective April 1, 2024, while the Risk Management Committee monitors climate-related risks and disclosures in line with TCFD recommendations. The bank has achieved ISO 27001:2022 certification for its Information Security Management System.
Key Financial and Operational Data
| Metric | Value |
|---|---|
| Total Offices | 827 |
| Total Employees | 30,820 |
| Women Employees | 19% |
| Training Hours per Employee | 48.2 |
| WATSAN Loans Disbursed | >1.2 lakh |
| Paper Procurement Intensity Reduction | 23.5% |
Environmental Impact
The bank reported total Scope 1 and Scope 2 emissions of 9,620.86 metric tonnes of CO2 equivalent for FY 2025-26. Initiatives such as the 'Sanchaya' energy conservation program resulted in a 5% reduction in energy consumption across regional and corporate offices compared to the previous year.
Historical Stock Returns for Ujjivan Small Finance Bank
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| +0.15% | +7.31% | +13.98% | +14.98% | +24.75% | +100.33% |
How will Ujjivan SFB balance its rapid physical expansion with the need to further reduce Scope 1 and Scope 2 emissions in the coming years?
What specific targets has the bank set for increasing female representation in the workforce given the current 19% gender ratio?
Will the success of the WATSAN loan product lead to the launch of additional ESG-linked financial products for underserved demographics?
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