Ujjivan Small Finance Bank has scheduled its earnings conference call for investors and analysts on Thursday, January 22, 2026 at 5:30 PM IST to discuss the financial results for the quarter ended December 31, 2025. The bank formally communicated this under Regulation 30 of SEBI Listing Obligations and Disclosure Requirements Regulations, 2015.

Conference Call Details

The Q3FY26 earnings call will provide stakeholders with comprehensive insights into the bank's quarterly performance. JM Financial Institutional Securities Limited will host the conference call, offering multiple participation options for domestic and international participants.

Management Participation

Senior leadership team will participate in the earnings discussion, ensuring comprehensive coverage of operational and financial aspects. The management lineup includes key executives from various business verticals.

Participation Options

The bank has arranged comprehensive access options for both domestic and international participants. Universal dial-in numbers include +91-22-6280 1366 and +91-22-7115 8267, while international toll-free numbers are available for USA, UK, Singapore, and Hong Kong participants.

Participants are advised to dial in 10 minutes prior to the scheduled time to ensure proper connection. The bank has also provided a Diamond Pass link for express joining of the conference call.

Regulatory Compliance

The intimation was filed under reference USFB/CS/SE/2025-26/114 and signed by Company Secretary & Head of Regulatory Framework Sanjeev Barnwal. This scheduled earnings call follows standard corporate governance practices for listed financial institutions, providing transparency to investors and market participants regarding the bank's quarterly performance.

Ujjivan Small Finance Bank has reported strong financial performance for Q3FY26, with significant growth across deposits, loan book, and disbursements while maintaining improved asset quality metrics. The Bengaluru-based lender released its business update for the third quarter and nine months ended December 31, 2025.

Deposit Growth and CASA Performance

The bank's deposit base expanded substantially during the quarter, reflecting strong customer confidence and market penetration.

The CASA ratio improvement to 27.3% from 25.1% in the previous year indicates enhanced low-cost funding, while the credit-deposit ratio of 87.8% demonstrates efficient fund deployment.

Loan Portfolio Expansion

The bank's gross loan book reached ₹37,055 crores, marking a 21.6% year-on-year increase from ₹30,466 crores. The portfolio diversification strategy is evident across multiple segments.

The secured book now represents 48.1% of the total portfolio, valued at ₹17,829 crores, compared to 39.3% in December 2024, indicating a strategic shift towards secured lending. Sequentially, the loan book grew 7.1% from ₹34,588 crores.

Strong Disbursement Performance

Q3FY26 witnessed robust disbursement activity across all major segments, with overall disbursements reaching ₹8,311 crores, representing a 55.0% year-on-year increase from ₹5,362 crores.

Asset Quality Improvement

The bank demonstrated significant improvement in asset quality metrics, reflecting enhanced risk management and collection efficiency.

The Portfolio at Risk (PAR) declined to 3.98% from 5.36% year-on-year, while Gross Non-Performing Assets (GNPA) improved to 2.39% from 2.68%. The micro banking bucket collection efficiency remained strong at 99.70% in December 2025.

Market Performance and Corporate Actions

Shares of Ujjivan Small Finance Bank ended at ₹55.76 on Friday, up by ₹2.36 or 4.42% on the BSE. The bank has previously announced plans to raise ₹2,000 crores via Qualified Institutional Placement (QIP) over the next 18-24 months. Write-offs during Q3FY26 amounted to ₹119.6 crores compared to ₹41.7 crores in Q3FY25.