Ujjivan Small Finance Bank reported a net profit of ₹317 crore for the quarter ended June 30, 2026, a 207% increase compared to ₹103 crore in the same quarter of the previous year. On a quarter-on-quarter basis, net profit grew 12% from ₹282 crore in the quarter ended March 31, 2026. The bank's board approved the unaudited financial results on July 23, 2026. Following the strong performance, the bank revised its FY27 Return on Assets (RoA) guidance upwards to 1.8%–2.0% and credit cost guidance to 0.9%–1.0% of average total assets.

Total income for the quarter stood at ₹2,282 crore, driven by a record high Net Interest Income (NII) of ₹1,186 crore, which rose 38.6% year-on-year. Interest expended increased to ₹839 crore, while total costs grew 15% YoY to ₹1,734 crore. Pre-provision operating profit improved significantly to ₹548 crore, up 52% YoY from ₹360 crore. The Cost to Income ratio improved by 497 basis points YoY to 62.0% in Q1FY27. The bank achieved a Net Interest Margin (NIM) of 8.5%, an increase of 80 basis points YoY.

Asset Quality and Capital Adequacy

Asset quality improved during the quarter, with Gross NPAs standing at 2.17% of gross advances, down from 2.27% in the prior quarter. Net NPAs improved to 0.34% from 0.43% in Q4FY26. The provision coverage ratio stood at 85% as of June 30, 2026, compared to 81% in March 2026. The bank maintained a Capital Adequacy Ratio (CRAR) of 20.36% as of June 30, 2026, with a strong liquidity position indicated by an Average Liquidity Coverage Ratio (LCR) of 132% for Q1FY27. Basic Earnings Per Share (EPS) increased to ₹1.63 from ₹1.45 in the previous quarter.

Key Financial Metrics

The following table summarises the bank's key financial performance indicators for the quarter:

Business Growth and Segments

The bank's gross loan book reached ₹42,903 crore, recording a 28.9% YoY growth, while total assets grew to ₹60,658 crore. The secured loan portfolio grew 42.7% YoY to ₹21,638 crore, now constituting 50.4% of the gross loan book. Newer business lines, including Gold and Vehicle loans, crossed the ₹1,000 crore milestone, standing at ₹1,020 crore and ₹1,036 crore respectively. Disbursements for the quarter hit a record high of ₹9,245 crore, up 41.4% YoY.

On the liabilities side, deposits grew 24.6% YoY to ₹48,129 crore, with the CASA book increasing 37.8% YoY to ₹12,930 crore. The Cost of Funds stood at 6.9%, a reduction of 71 basis points YoY. The Retail Banking segment remained the primary revenue driver, contributing ₹1,980 crore to total income. The Treasury segment reported revenue of ₹237 crore, while Wholesale Banking contributed ₹63 crore. The branch count increased to 814 as of June 2026.

Ujjivan Small Finance Bank has announced that it will review its first quarter financial results on July 23. The development is a key event for investors and market participants who closely track the bank's financial performance and operational metrics.

Upcoming Results Review

The scheduled review on July 23 signals an important milestone in the bank's financial reporting calendar. The first quarter results review will provide stakeholders with an update on the bank's financial standing for the period under consideration.

Investors and analysts are expected to closely monitor the outcome of the results review as it will offer insights into the bank's financial performance for the first quarter.