ઉજ્જીવન સ્મોલ ફાઇનાન્સ બેંક શેર પ્રાઇસ

The bank had posted a net profit of 83 crore in the year-ago period

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Ujjivan Small Finance Bank announced Q4FY26 & FY26 results Deposits: Deposits at Rs 45,668 crore, up 21.4% YoY / 8.2% QoQ. CASA at Rs 13,062 crore up 35.9% YoY with CASA ratio at 28.6%. Retail TD^ + CASA grew 19.8% YoY to Rs 31,955 crore and comprises of 70.0% of total deposits. CoF for Q4FY26 at 7.0%, down 63 bps YoY while full year FY26 CoF at 7.2%, is down by 35 bps. Assets: Gross loan book (GLB) at Rs 40,655* crore, up 26.6% YoY / 9.7% QoQ. Secured book share at 49.4% (Mar’26) vs 43.5% (Mar’25) and 48.1% (Dec’25). Unsecured book grew 13.5% over Mar’25. Highest ever quarterly disbursement at Rs 9,811 crore up 32.1% YoY / 18.3% QoQ. Collection and Asset Quality: Portfolio at Risk* improved to 3.54% (Mar’26) versus 4.54% (Mar’25) and 3.98% (Dec’25). GNPA / NNPA improved sequentially at 2.27%/0.43% (Mar’26) vs 2.39%/0.58% (Dec’25). Provision coverage ratio improved to 81% as of Mar’26 vs 78% as of Mar’25. Group and Individual Loan Bucket-X collection efficiency improved to 99.8% for Mar’26 Financials: NIM expanded by 20 bps YoY to 8.5% in Q4 FY26. Cost to Income for Q4FY26 at 63% improved by 504 bps versus 68% in Q4FY25. PAT of Rs 282 crore up 238.2% YoY in Q4FY26. RoA for Q4FY26 at 2.1%, up 135 bps YoY with RoE at 17.2% for Q4FY26. Capital and Liquidity: Capital adequacy ratio at 21.1%. Strong liquidity with Average Daily LCR for Mar’26 at 142%. Sanjeev Nautiyal, MD & CEO, Ujjivan Small Finance Bank, said: “The Indian economy continues to exhibit resilience and is projected to grow 6.9% growth in FY27 as per RBI. This is supported by strong domestic fundamentals, government initiatives and interventions, supported by adequate liquidity. The projection faces downside risks from geopolitical tensions, such as the West Asia conflict, oil price volatility, supply chain disruptions and Super El Nino weather phenomenon fuelling inflation. On 13th April, RBI ‘returned’ our application for voluntary transition to Universal bank. Further, RBI has acknowledged ongoing efforts towards diversification of our loan portfolio and we shall re-submit our application once we have further demonstrated a well-diversified loan book. We remain committed to our Universal Banking aspirations. We have further augmented our Board & Management in FY26. Q4FY26 concludes another important year for Ujjivan, marked by strong execution, improving operating performance and continued strategic progress, with the outcomes in line with the guidance at the start of FY26. Deposit grew by 21.4% YoY and 8.2% QoQ to Rs 45,668 crore. Focus on granular deposits led to Mar’26 CASA% at 28.6%. Gross Loan Book (GLB) grew 26.6% YoY & 9.7% QoQ to Rs 40,655 crore, driven by highest-ever quarterly disbursements, at Rs 9,811 crore. Secured portfolio grew to Rs 20,079 crore, up 43.5% YoY in line with our long-term diversification strategy and taking the share to 49.4% of GLB. I am pleased to note that the newer business lines of gold, vehicle and agri loans scaled up and now contribute around 6% of our loan mix, against 3% as of Mar’25. The bank demonstrated robust asset quality with GNPA/NNPA improving to 2.27%/0.43%. PCR improved to 81%, providing adequate buffer. Group and Individual Loan Bucket-X collection efficiency improved to 99.8% for Mar’26. Net Interest Margin (NIM) improved to 8.5%, up 20 bps YoY. This was largely due to reducing CoF, stable yields and optimal liquidity utilization. Cost of funds for Q4FY26 at 7.0% down 63 bps YoY. We reported highest ever NII for the quarter of Rs 1,092 crore, up 26.4% YoY and 9.2% QoQ. Q4FY26 PAT stood at Rs 282 crore, up 238.2% YoY. RoA and RoE were at 2.1% and 17.2%, respectively. Our growth momentum would continue into FY27 with GLB growth of around 25%, improving asset quality with Credit Cost between 1.4% to 1.5% of the average GLB. This performance would improve profitability and deliver RoA of around 1.6%. To ensure continued growth trajectory board has approved equity capital raise of upto Rs 2,000 crore.” Result PDF

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Ujjivan Small Finance Bank on Thursday reported a 71 per cent growth in net profit at Rs 186 crore for the third quarter ended December 31, 2025. The bank reported a net profit of Rs 109 crore in the third quarter of the 2024-25 fiscal year. The bank reported an all-time high net interest income (NII) of Rs 1,000 crore for the third quarter of FY26, up 12.8 per cent year over year. Ujjivan Small Finance Bank MD & CEO Sanjeev Nautiyal said the bank's deposits grew 22.4 per cent on a yearly basis to Rs 42,223 crore, with the credit-deposit ratio at 88 per cent as of December 2025. Gross loan book for the quarter grew 21.6 per cent YoY to Rs 37,057 crore, driven by the highest-ever quarterly disbursements at Rs 8,293 crore. "This was due to all-around performance across unsecured and secured products. Secured portfolios such as housing, MSME, gold, vehicle and agri loans, scaled up in line with our long-term diversification strategy. The secured book share increased to 48 per cent as

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