Ujjivan Small Finance Bank has reported significant growth across its key financial metrics for the quarter ended September 30, 2025, demonstrating strong performance in deposits, loan book, and disbursements.

Deposit Growth

The bank's total deposits reached ₹39,101 crore as of September 30, 2025, marking a substantial 14.8% year-on-year increase from ₹34,070 crore in the same period last year. Notably, the Current Account Savings Account (CASA) ratio improved to 27.6% from 25.9% year-on-year, indicating a healthier deposit mix.

Loan Book Expansion

USFB's gross loan book expanded to ₹34,588 crore, showing a 14% year-on-year growth from ₹30,343 crore. The bank's focus on secured lending is evident, with the secured book growing by an impressive 54.5% year-on-year to ₹16,342 crore, now constituting 47% of the total loan book.

Disbursements Surge

Total disbursements for Q2 FY26 stood at ₹7,958 crore, representing a robust 48% year-on-year increase from ₹5,376 crore in Q2 FY25. This growth was driven by strong performances across various segments:

• Housing loans (including micro mortgages) saw a 41.4% year-on-year increase in disbursements.
• MSME disbursements more than doubled, growing by 135.2% year-on-year.
• Financial Institutions Group (FIG) disbursements surged by 133.3% compared to the same quarter last year.

Asset Quality Improvement

The bank's asset quality showed signs of improvement, with Portfolio at Risk (PAR) decreasing to 4.45% as of September 30, 2025, compared to 5.08% a year ago. The Gross Non-Performing Assets (GNPA) ratio remained relatively stable at 2.46%.

Segment-wise Performance

While most segments showed growth, some areas experienced notable changes:

• The Group Loan (GL) book decreased by 12% year-on-year, possibly indicating a strategic shift.
• Housing loans, including micro mortgages, grew significantly by 51.3% year-on-year.
• The MSME segment saw substantial growth, with the loan book expanding by 69% year-on-year.
• Vehicle loans and gold loans showed remarkable growth, with year-on-year increases of 150.4% and 564.5%, respectively.

Collection Efficiency

The bank maintained high collection efficiency in its micro banking segment (GL & IL), with Bucket X collection efficiency at 99.50% for September 2025, showing a slight improvement from previous months.

This comprehensive growth across various segments underscores Ujjivan Small Finance Bank's strong market position and effective strategies in expanding its business while maintaining asset quality. The bank's focus on secured lending and diversification of its loan portfolio appears to be yielding positive results.

Note: The financial figures mentioned are provisional and subject to audit/limited review by the bank's statutory auditors.

Ujjivan Small Finance Bank (USFB) is set to embark on a significant investor outreach initiative, scheduling a non-deal roadshow in London from September 17-19, 2025. The bank's management will engage in one-on-one meetings with 12 prominent global investment firms, signaling its commitment to strengthening relationships with international investors.

Key Highlights

• Event: Non-deal roadshow in London
• Date: September 17-19, 2025
• Format: One-on-one meetings with investors
• Number of Investors: 12 global investment firms

Participating Investors

The bank has confirmed meetings with a diverse group of international investment powerhouses, including:

1. Carmignac Gestion
2. Marshall Wace
3. Sun Global Investments
4. Jupiter Asset Management
5. Aberdeen Investments
6. GIB Asset Management
7. North Rock
8. Mobius Capital
9. Millennium Partners
10. Capital Group
11. Pictet Asset Management
12. Columbia Threadneedle

Regulatory Compliance

In adherence to regulatory requirements, Ujjivan Small Finance Bank has filed an intimation under Regulation 30 of SEBI (LODR) 2015. The bank has explicitly stated that no unpublished price sensitive information will be shared during these meetings, ensuring compliance with market regulations.

Management's Perspective

While specific details of the discussions remain confidential, the roadshow represents a strategic move by Ujjivan Small Finance Bank to enhance its visibility among global investors. Such engagements often serve as platforms for companies to present their business strategies, growth plans, and market positioning to potential investors.

Investor Relations

The decision to conduct a non-deal roadshow in a major financial hub like London underscores Ujjivan Small Finance Bank's proactive approach to investor relations. It provides an opportunity for the bank to showcase its performance, discuss its market outlook, and address any queries that international investors might have.

This initiative by Ujjivan Small Finance Bank comes at a time when Indian financial institutions are increasingly looking to expand their global investor base. The outcome of these meetings could potentially influence the bank's standing among international investors and contribute to its long-term growth strategy.