Ujjivan Small Finance Bank Limited

About

Ujjivan Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, and Corporate/Wholesale Banking segments. It provides current, savings, salary, TACS savings and current, and NRI accounts; and fixed, recurring, TASC fixed, NRI and NRO fixed, and tax saver fixed deposits, as well as two wheeler loan. The company's loan products include home and micro mortgages, including home purchase and home construction, composite home, home improvement, and home equity loans; micro mortgages, business loan, and loan against property; vehicle loans, such as two-wheeler loan, electric three-wheeler loan, and dealer trade advance; micro loans, including group and individual loans; agricultural loans; micro, small, and medium enterprises loans and overdrafts; and gold and staff loans. In addition, it provides mobile, personal net, SMS and missed call, phone, video, and WhatsApp banking; ATMs and cash deposit machines; statements services; life, health, and general insurances; credit and debit cards; and safe deposit lockers. Additionally, the company is involved in retail forex and trade services. Ujjivan Small Finance Bank Limited was incorporated in 2016 and is headquartered in Bengaluru, India.

Key Metrics

as of Sep 2026

Market Cap12,554 Cr

P/E13.90

Div Yield0.00 %

Book Value₹35.10

52w High₹73.90

52w Low₹42.20

Face Value₹10.00

Quarterly Results

Rs. Crores · hover row for definition

Metric	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023
Expenses	1,023.00	1,029.00	1,051.00	1,018.00	969.00	1,039.00	923.00	841.00	739.00	730.00	650.00	576.00	538.00
Other Income	256.00	307.00	295.00	256.00	249.00	270.00	172.00	207.00	197.00	236.00	185.00	189.00	177.00
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Interest	838.00	785.00	751.00	761.00	763.00	709.00	704.00	669.00	636.00	595.00	611.00	568.00	494.00
Profit before tax	421.00	371.00	244.00	160.00	136.00	95.00	136.00	310.00	400.00	440.00	394.00	436.00	432.00
Tax %	25.00	24.00	24.00	24.00	24.00	12.00	20.00	25.00	25.00	25.00	24.00	25.00	25.00
Net Profit	317.00	282.00	186.00	122.00	103.00	83.00	109.00	233.00	301.00	330.00	300.00	328.00	324.00
EPS in Rs	1.63	1.45	0.96	0.63	0.53	0.43	0.56	1.20	1.56	1.68	1.53	1.68	1.66

Profit & Loss

Annual · Rs. Crores

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2013	Mar 2012
Expenses	3,923.00	3,406.00	2,396.00	1,730.00	2,603.00	1,944.00	1,417.00	1,053.00	922.00	111.00	102.00	93.00
Other Income	1,108.00	846.00	787.00	589.00	360.00	302.00	322.00	206.00	111.00	9.00	11.00	8.00
Interest	3,060.00	2,718.00	2,268.00	1,467.00	1,039.00	1,078.00	1,070.00	725.00	607.00	109.00	81.00	59.00
Depreciation	145.00	135.00	98.00	90.00	80.00	77.00	73.00	61.00	41.00	5.00	3.00	2.00
Profit before tax	911.00	942.00	1,702.00	1,467.00	-550.00	10.00	466.00	199.00	9.00	1.00	49.00	2.00
Tax %	24.00	23.00	25.00	25.00	-25.00	19.00	25.00	0.00	22.00	94.00	31.00	22.00
Net Profit	693.00	726.00	1,281.00	1,100.00	-415.00	8.00	350.00	199.00	7.00	0.00	34.00	2.00
EPS in Rs	3.57	3.75	6.54	5.63	-2.40	0.05	2.02	1.38	0.05	0.00	—	—
Dividend Payout %	0.00	0.00	6.00	22.00	0.00	0.00	0.00	0.00	0.00	0.00	48.00	0.00

Balance Sheet

Annual · Rs. Crores — latest first

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2013	Mar 2012
Equity Capital	1,943.00	1,935.00	519.00	1,955.00	1,728.00	1,728.00	1,728.00	1,440.00	1,440.00	1,440.00	66.00	57.00
Reserves	4,873.00	4,148.00	5,095.00	2,054.00	874.00	1,290.00	1,260.00	180.00	7.00	0.00	256.00	185.00
Other Liabilities	1,321.00	1,130.00	1,176.00	929.00	754.00	779.00	490.00	377.00	201.00	298.00	41.00	38.00
Total Liabilities	57,541.00	47,689.00	40,422.00	33,317.00	23,612.00	20,380.00	18,411.00	13,742.00	9,473.00	8,436.00	1,360.00	898.00
Fixed Assets	457.00	444.00	395.00	265.00	244.00	276.00	280.00	282.00	194.00	137.00	11.00	11.00
CWIP	36.00	13.00	32.00	18.00	6.00	5.00	21.00	2.00	4.00	3.00	0.00	0.00
Investments	12,724.00	11,730.00	9,766.00	8,510.00	4,153.00	2,516.00	2,396.00	1,527.00	1,232.00	1,447.00	0.00	0.00
Other Assets	44,324.00	35,502.00	30,230.00	24,524.00	19,210.00	17,583.00	15,715.00	11,931.00	8,042.00	6,849.00	1,349.00	886.00
Total Assets	57,541.00	47,689.00	40,422.00	33,317.00	23,612.00	20,380.00	18,411.00	13,742.00	9,473.00	8,436.00	1,360.00	898.00

Cash Flows

Annual · Rs. Crores — latest first

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2013	Mar 2012
Cash from Operating Activity	1,843.00	2,028.00	1,593.00	1,060.00	2,554.00	2,657.00	242.00	478.00	2,314.00	-7,084.00	-409.00	-168.00
Cash from Investing Activity	-2,481.00	-1,793.00	-865.00	-2,096.00	-841.00	-1,356.00	-757.00	-148.00	-101.00	-161.00	3.00	1.00
Cash from Financing Activity	911.00	398.00	-519.00	1,186.00	-1,484.00	-706.00	776.00	287.00	-2,439.00	7,931.00	427.00	269.00
Net Cash Flow	274.00	633.00	210.00	150.00	230.00	595.00	261.00	617.00	-225.00	687.00	21.00	102.00
Free Cash Flow	1,661.00	1,863.00	1,349.00	935.00	2,503.00	2,599.00	153.00	330.00	2,213.00	-7,245.00	-411.00	-171.00
CFO/OP %	72.00	78.00	50.00	55.00	1,230.00	332.00	27.00	66.00	430.00	-6,672.00	-326.00	-301.00

Ratios

Annual · Days / % — latest first

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2013	Mar 2012

Shareholding Pattern

% holding — latest first

Holder	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Promoters	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	73.52	73.60	73.66
FIIs	16.81	17.23	15.45	17.05	19.55	19.51	17.87	20.62	24.68	3.48	3.70	3.54
DIIs	33.45	31.12	28.67	20.13	16.82	8.47	6.58	6.50	7.33	2.33	3.99	4.21
Public	49.73	51.65	55.88	62.83	63.61	72.03	75.54	72.87	67.99	20.67	18.72	18.59
No. of Shareholders	767,649	787,997	840,960	937,143	984,265	1,124,090	1,138,626	1,068,325	914,077	690,424	598,080	452,749