Search & Analyze

Ujjivan Small Finance Bank Ltd.

BankBank - Private

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

₹58.85BSE4.17%

23 Oct, 10:41 AM

₹58.85

₹12.03K Cr

10.47

1.62

10.90%

₹61.41

₹58.04

₹73.90

₹49.38

Customise metrics bar

Price Performance

Peer Comparison

Name
HDFC BANK HDFCBANK	689.80	13.99	10,64,205.22	2.24	19,509.96	4.66%	83,426.60	8.78%	12.91
ICICI BANK ICICIBANK	1,392.00	18.32	9,99,465.60	0.86	14,843.03	20.10%	49,110.00	17.61%	17.11
KOTAK MAH.BK KOTAKBANK	432.10	29.31	4,29,847.95	0.15	4,122.96	25.64%	14,477.49	4.63%	12.21
AXIS BANK AXISBANK	1,207.00	13.59	3,75,849.36	0.08	7,003.28	37.60%	36,418.77	17.59%	10.93
FEDERAL BANK FEDERALBNK	346.15	17.64	85,599.21	0.35	1,386.09	45.10%	7,720.98	14.52%	11.07
IDBI BANK L IDBI	77.25	10.47	83,062.31	0.00	2,205.45	-39.20%	8,512.15	19.82%	15.30
AUBANK AUBANK	931.70	25.00	70,042.64	0.11	795.95	37.03%	5,302.74	21.11%	14.17
Ujjivan Small Finance Bank Ltd. UJJIVANSFB	58.85	10.47	12,034.17	0.00	365.05	199.91%	2,153.36	28.00%	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	Sep 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	2,153.36
Expenses	629.03	690.22	699.74	774.24	744.46	782.79	856.15	884.99	895.30	950.30
	509.52	460.80	359.17	359.76	360.48	395.24	439.80	514.60	548.06	593.69
	32.31%	28.57%	22.57%	22.87%	22.27%	23.49%	25.10%	27.40%	27.07%	27.57%
Provisions and Contingencies	109.85	150.51	222.80	264.50	224.94	234.96	195.34	143.85	127.32	102.97
	197.09	207.25	172.17	269.69	248.99	256.35	295.48	306.70	256.01	295.58
Interest	635.72	669.02	704.33	709.05	762.89	760.63	751.45	785.47	837.57	904.95
	0.00	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	490.72
	24.67%	24.90%	20.35%	12.46%	23.85%	24.06%	24.03%	23.95%	24.77%	25.61%
	301.08	233.03	108.62	83.39	103.22	121.72	185.72	281.97	316.54	365.05
	1.56	1.20	0.56	0.43	0.53	0.63	0.96	1.45	1.63	1.87

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

Ratios

Valuation

10.47

1.62

6.04

1.54

5.88

38.09

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	Sep '26
	32.01	27.13	24.46	27.98	36.39	37.17	44.13	48.36	50.26	54.03
	67.99	72.87	75.55	72.02	63.62	62.82	55.87	51.64	49.74	45.97
	100.00	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	7,61,998

Mutual Funds Invested(137)

Based on each fund's latest monthly portfolio · Sep 2026

A total of 129 active funds hold 31.52% in Ujjivan Small Finance Bank Ltd., contributing to ₹4.16K Cr of holdings

Fund				As of
KO Kotak Small Cap Fund - Growth - Direct PlanSmall cap Fund	263.11	1.37	3,89,79,328	Sep '26
AX Axis Small Cap Fund - Growth - Direct PlanSmall cap Fund	260.33	0.85	3,85,67,705	Sep '26
SU Sundaram Large and Mid Cap Fund - Growth - Direct PlanLarge & Mid Cap	228.01	3.20	3,37,78,893	Sep '26
FT Franklin India Opportunities Fund - Growth - Direct PlanEquity - Thematic Fund - Other	225.90	2.36	3,34,66,880	Sep '26
CR Canara Robeco Small Cap Fund - Growth - Direct PlanSmall cap Fund	190.10	1.36	2,81,63,189	Sep '26
AB Aditya Birla Sun Life Small Cap Fund - Growth - Direct PlanSmall cap Fund	147.87	2.42	2,19,07,129	Sep '26
DS DSP Small Cap Fund - Growth - Direct PlanSmall cap Fund	120.81	0.56	1,78,98,010	Sep '26
FT Franklin India Small Cap Fund - Growth - Direct PlanSmall cap Fund	118.59	0.83	1,75,69,524	Sep '26
AX Axis Flexi Cap Fund - Growth - Direct PlanFlexi Cap Fund	113.55	0.86	1,68,22,138	Sep '26
AB Aditya Birla Sun Life Multi-Cap Fund - Growth - Direct PlanMulti Cap Fund	106.02	1.46	1,57,06,046	Sep '26

Corporate Actions

Showing: All

Date	Type	Details
2026-10-07	Board Meeting	Quarterly Results & Preferential Issue of shares
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

Carol Kripanayana Furtado

Managing Director & Chief Executive Officer

₹2.65 Cr

Mar '26

Sanjeev Nautiyal

Managing Director & Chief Executive Officer

—

Sudha Suresh