Search & Analyze

Ujjivan Small Finance Bank Ltd.

BankBank - Private

www.ujjivansfb.bank.in BSE: 542904NSE: UJJIVANSFB

₹65.10BSE0.59%

07 Sep, 4:01 PM

₹65.10

₹12.71K Cr

14.03

1.81

10.90%

₹65.35

₹63.60

₹73.90

₹42.18

Customise metrics bar

Price Performance

Peer Comparison

Name
HDFC BANK HDFCBANK	710.80	14.50	10,95,639.85	2.18	19,059.72	4.98%	79,362.78	2.44%	12.91
ICICI BANK ICICIBANK	1,428.00	19.64	10,24,934.99	0.84	14,804.50	15.95%	45,670.78	6.34%	17.11
KOTAK MAH.BK KOTAKBANK	422.30	28.29	4,20,089.51	0.15	4,122.96	25.64%	14,477.49	4.63%	12.21
AXIS BANK AXISBANK	1,267.30	15.31	3,94,541.57	0.08	7,113.92	22.52%	33,985.63	9.41%	10.93
IDBI BANK L IDBI	90.70	10.14	97,524.29	0.00	2,115.18	5.37%	7,541.44	7.41%	15.30
FEDERAL BANK FEDERALBNK	341.70	19.06	84,470.63	0.35	1,176.93	36.57%	7,238.31	8.25%	11.07
AUBANK AUBANK	1,058.40	27.81	79,441.19	0.09	795.95	37.03%	5,302.74	21.11%	14.17
Ujjivan Small Finance Bank Ltd. UJJIVANSFB	65.10	14.03	12,707.23	0.00	316.54	206.67%	2,024.92	25.08%	11.51

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	1,577.18	1,612.79	1,591.07	1,573.36	1,618.84	1,682.31	1,751.92	1,878.36	2,024.92
Expenses	629.03	690.22	699.74	774.24	744.46	782.79	856.15	884.99	895.30
	509.52	460.80	359.17	359.76	360.48	395.24	439.80	514.60	548.06
	32.31%	28.57%	22.57%	22.87%	22.27%	23.49%	25.10%	27.40%	27.07%
Provisions and Contingencies	109.85	150.51	222.80	264.50	224.94	234.96	195.34	143.85	127.32
	197.09	207.25	172.17	269.69	248.99	256.35	295.48	306.70	256.01
Interest	635.72	669.02	704.33	709.05	762.89	760.63	751.45	785.47	837.57
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	399.67	310.29	136.37	95.26	135.54	160.28	244.46	370.75	420.74
	24.67%	24.90%	20.35%	12.46%	23.85%	24.06%	24.03%	23.95%	24.77%
	301.08	233.03	108.62	83.39	103.22	121.72	185.72	281.97	316.54
	1.56	1.20	0.56	0.43	0.53	0.63	0.96	1.45	1.63

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
I. INCOME
Interest Earned	2,812.80	4,164.99	5,677.15	6,354.39	6,931.45
	359.89	589.19	786.75	846.20	1,107.52
	3,172.69	4,754.19	6,463.91	7,200.59	8,038.97
II. EXPENDITURE
Interest Expended	1,039.21	1,467.09	2,267.70	2,718.12	3,060.44
Operating Expenses	1,496.38	1,802.06	2,279.10	2,793.24	3,268.39
Provisions and Contingencies	1,187.46	17.80	214.94	747.65	799.10
	-550.36	1,467.24	1,702.17	941.57	911.03
Taxes	-135.77	367.32	420.67	215.47	218.40
	-414.59	1,099.92	1,281.49	726.10	692.63
Extra items				0.00	0.00
Consolidated Net Profit	-414.59	1,099.92	1,281.49	726.10	692.63
IV. APPROPRIATIONS	-70.97	1,027.57	1,788.36	2,544.50	2,725.34
Equity Dividend %		12.50%	15.00%
	-2.40	5.51	24.70	3.75	3.57
Adjusted EPS	-2.40	5.51	24.70	3.75	3.57

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
SOURCES OF FUNDS:
	1,928.31	2,154.71	518.73	1,935.00	1,942.71
Share Warrants & Outstandings	42.20	51.22	1,485.03	89.64	100.49
Total Reserves	832.12	2,003.18	3,609.74	4,058.76	4,772.47
Reserve excluding Revaluation Reserve	832.12	2,003.18	3,609.74	4,058.76	4,772.47
Deposits	18,292.22	25,537.68	31,462.16	37,630.48	45,668.33
	1,763.56	2,641.46	2,170.82	2,845.36	3,736.01
Other Liabilities & Provisions	753.77	928.62	1,175.75	1,129.90	1,321.18
Total Liabilities	23,612.18	33,316.88	40,422.22	47,689.15	57,541.21
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India	1,689.97	2,305.27	2,518.31	3,133.37	3,109.67
Balances with banks and money at call	485.85	178.32	18.48	36.43	334.00
Investments	4,152.93	8,510.31	9,766.02	11,729.99	12,724.25
Investments in India	4,152.93	8,510.31	9,766.02	11,729.99	12,724.25
Advances	16,303.17	21,289.66	26,882.92	31,390.00	39,760.55
Gross block	588.35	687.80	877.47	1,038.49	1,171.93
Less: Accumulated Depreciation	344.75	422.49	482.62	594.75	714.65
Net Block	243.60	265.31	394.85	443.74	457.27
Capital Work in Progress	5.79	17.57	31.81	13.17	35.79
Other Assets	730.87	750.44	809.82	942.45	1,119.67
Total Assets	23,612.18	33,316.88	40,422.22	47,689.15	57,541.21
Contingent Liabilities	137.23	95.00	144.91	73.09	1,486.23
	14.81	20.25	79.59	30.98	34.57
Adjusted Book Value	14.81	20.25	79.59	30.98	34.57

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
Net Profit Before Taxes	-550.36	1,467.24	1,702.17	941.57	911.03
Adjustments for Expenses & Provisions :	1,239.63	131.91	349.77	944.61	959.46
Adjustments for Liabilities & Assets:	1,886.61	-258.99	-409.80	400.39	290.37
Refund/(payment) of direct taxes	-21.46	-280.37	-49.29	-258.36	-317.66
Cash Flow from operating activities	2,554.42	1,059.79	1,592.84	2,028.20	1,843.20
Cash Flow from investing activities	-840.98	-2,095.71	-864.54	-1,793.44	-2,480.67
Cash Flow from financing activities	-1,483.76	1,186.43	-518.73	398.24	911.35
Net increase/(decrease) in cash and cash equivalents	229.69	150.50	209.58	633.00	273.88
Opening Cash & Cash Equivalents	1,933.50	2,163.19	2,313.69	2,523.96	3,156.97
Cash & Cash Equivalent on Amalgamation / Take over / Merger			0.69
Closing Cash & Cash Equivalent	2,163.19	2,313.69	2,523.96	3,156.97	3,430.85
Cash & Cash Equivalent on Amalgamation / Take over / Merger			0.69

Ratios

Valuation

14.03

1.81

7.03

1.73

4.64

36.08

Profitability

10.90

11.51

1.32

24.67

9.99

Leverage & Liquidity

0.56

Returns

0.00

Banking Metrics

6.92

2.26

0.43

87.06

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26
	32.01	27.13	24.46	27.98	36.39	37.17	44.13	48.36	50.26
	67.99	72.87	75.55	72.02	63.62	62.82	55.87	51.64	49.74
	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
No. of Shareholders	9,14,077	10,68,325	11,38,626	11,24,091	9,84,265	9,37,143	8,40,960	7,87,997	7,67,649

Corporate Actions

Showing: All

Date	Type	Details	Ex-Date	Record Date
2026-07-03	Board Meeting	Quarterly Results
2026-04-28	Board Meeting	Audited Results

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

BankBank - Private

Ujjivan Small Finance Bank Ltd. operates in the Bank sector under the Bank - Private industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

11 members across the board and senior leadership

Banavar Anantharamaiah Prabhakar

Chairman

₹41.50 L

Mar '26

Sanjeev Nautiyal

Managing Director & Chief Executive Officer

₹3.05 Cr

Mar '26

Carol Kripanayana Furtado

Whole Time Director

₹2.65 Cr

Mar '26

Sudha Suresh