Ujjivan Small Finance Bank Reports Strong Q4 Growth in Deposits and Disbursements
Ujjivan Small Finance Bank announced impressive Q4 results, with total deposits growing 19.70% year-over-year to ₹37,617.00 crore. Deposits also showed a 9.10% quarter-on-quarter increase. Disbursements reached ₹7,455.00 crore, growing 39.00% quarter-on-quarter and 11.60% year-over-year. The bank's strong performance in both deposits and lending activities highlights its expanding customer base and effective growth strategy.

*this image is generated using AI for illustrative purposes only.
Ujjivan Small Finance Bank , a prominent player in the small finance banking sector, has announced impressive growth figures for the fourth quarter of the fiscal year, highlighting its resilience and strategic focus on expanding its customer base and lending activities.
Deposit Growth Surges
Ujjivan Small Finance Bank reported a substantial 19.70% year-over-year growth in total deposits, reaching ₹37,617.00 crore as of the end of Q4. This remarkable increase in deposits highlights the bank's growing appeal among customers and its ability to attract and retain funds effectively. The strong deposit growth not only reflects customer confidence but also provides the bank with a stable funding base for its operations and future expansion plans. Notably, the deposits also showed a robust quarter-on-quarter growth of 9.10%.
Disbursements Soar
Complementing its deposit growth, Ujjivan Small Finance Bank witnessed a significant uptick in its lending activities:
- Disbursements: Reached ₹7,455.00 crore, growing by an impressive 39.00% quarter-on-quarter and 11.60% year-over-year
The substantial growth in disbursements indicates a healthy demand for credit and the bank's proactive approach in meeting the financial needs of its target segments.
Key Growth Metrics
Metric | Growth Rate (QoQ) | Growth Rate (YoY) |
---|---|---|
Deposits | 9.10% | 19.70% |
Disbursements | 39.00% | 11.60% |
Balanced Growth Strategy
The varying growth rates across different metrics suggest a nuanced and potentially prudent approach by Ujjivan Small Finance Bank. The higher growth in deposits compared to disbursements on a year-over-year basis could indicate a focus on building a strong liquidity position, which is crucial for maintaining financial stability and regulatory compliance.
Looking Ahead
As Ujjivan Small Finance Bank continues to demonstrate strong growth across key operational metrics, it positions itself as a dynamic player in the small finance banking sector. The bank's ability to grow its deposit base faster than its disbursements on an annual basis could provide it with ample opportunities for future expansion and investment in technology and services.
Importantly, the bank is reportedly preparing for a potential transition to a universal bank, which could mark a significant milestone in its growth trajectory. This move, if realized, would allow Ujjivan Small Finance Bank to offer a wider range of banking services and potentially tap into new customer segments.
While these growth figures are encouraging, investors and analysts will likely keep a close eye on how this growth translates into profitability and asset quality in the coming quarters. The bank's performance in these areas will be crucial in determining its long-term success and market position in the competitive banking landscape.
Historical Stock Returns for Ujjivan Small Finance Bank
1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
---|---|---|---|---|---|
+7.12% | +5.86% | +19.33% | +7.12% | -19.89% | +36.03% |