Ujjivan Small Finance Bank has announced a series of investor and analyst meetings scheduled for May 26 and May 27, 2026. The bank will engage with various institutional investors through virtual and in-person sessions as part of its ongoing investor relations activities.

Meeting Schedule

On May 26, the bank will hold virtual meetings from Bangalore. The first session is with Bowhead, scheduled between 12:00 PM and 1:00 PM. This will be followed by a meeting with Cape Ann Asset Management from 2:00 PM to 3:00 PM.

On May 27, Ujjivan Small Finance Bank will participate in the Trinity India Conference 2026. This in-person event will take place in Mumbai from 9:00 AM to 6:00 PM.

Regulatory Confirmation

The bank stated that changes to the meeting schedule may occur due to exigencies on the part of the bank or the counterparty. Furthermore, Ujjivan Small Finance Bank confirmed that no unpublished price sensitive information will be shared during these meetings. The intimation regarding these meetings is available on the bank's official website.

Ujjivan Small Finance Bank reported a strong financial performance for the quarter and year ended March 31, 2026. The bank's Board of Directors approved the audited financial results, with the Joint Statutory Auditors issuing an unmodified audit opinion. Net profit for Q4FY26 stood at ₹282 Crore, a 238% surge compared to ₹83 Crore in Q4FY25, and a 52% sequential increase from ₹186 Crore in Q3FY26. Total income for Q4FY26 rose 19% YoY to ₹2,186 Crore, while Pre-Provision Operating Profit (PPOP) grew 43% YoY to ₹515 Crore. For the full year FY26, total income grew 12% to ₹8,039 Crore, with an annual net profit of ₹693 Crore.

Quarterly and Annual Performance

The bank delivered strong Net Interest Income (NII) growth of 26.4% YoY to ₹1,092 Crore in Q4FY26, driven by robust loan growth and stable product yield. Net Interest Margin (NIM) for the quarter improved to 8.5%. The following table summarises the key quarterly financial metrics (₹ Crore):

Asset Quality and Capital Adequacy

Asset quality improved during the quarter, with Gross NPAs declining to 2.26% in Q4FY26 from 2.38% in Q3FY26. Net NPAs improved to 0.43% from 0.57% over the same period. The Provision Coverage Ratio stood at 81.41% as at March 31, 2026. The bank's Capital Adequacy Ratio (CAR) stood at 21.14%, compared to 23.10% in the prior year.

Business Growth and Segments

The bank's Gross Loan Book (GLB) grew 27% YoY to ₹40,655 Crore as at March 31, 2026. The secured portfolio now contributes 49.4% of the overall book, up from 43.5% YoY. Disbursements for Q4FY26 totalled ₹9,811 Crore, up 32% YoY. Affordable Housing recorded 35% YoY growth in loan book to ₹8,900 Crore, while MSME expanded 58% YoY to ₹3,230 Crore. Newer business verticals such as Gold Loan, Vehicle Finance, and Agri Banking grew rapidly, contributing around 6% of the loan mix.

FY27 Guidance and Strategic Updates

For FY27, the bank targets approximately 25% loan book growth and a Return on Assets (RoA) of around 1.6%. Management expects credit cost to moderate to 1.4% to 1.5% of the average GLB. The bank plans to add about 20% to its branch infrastructure and expects the secured portfolio mix to reach upwards of 56% by March 2027. Regarding its Universal Banking License application, the RBI acknowledged the bank's efforts towards diversification and advised it to reapply after demonstrating a further diversified loan portfolio. The Board has also approved raising equity capital for an aggregate amount not exceeding ₹2,000 Crore to support medium-term growth.