Ujjivan Small

What does Ujjivan Small do?

Ujjivan Small Finance Bank Ltd is a mid-cap bank in India focused on the mass market, having transitioned from an NBFC in 2005. As of March 2025, it reported net sales of ₹1,573.36 crore and a net profit of ₹83 crore.

Overview:<BR>Ujjivan Small Finance Bank Ltd is a mass market focused small finance bank in India, operating within the Other Bank industry and classified as a Mid Cap company.<BR><BR>History:<BR>Ujjivan Small Finance Bank Ltd commenced operations as a Non-Banking Financial Company (NBFC) in 2005 and transitioned to a small finance bank. The latest quarterly results reported are for March 2025, showing sales and profit figures.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 1,573.36 Cr (Quarterly Results - Mar 2025)<BR>Most recent Net Profit: 83 Cr (Quarterly Results - Mar 2025)<BR>Market-cap value: Rs 9,179 Cr (Mid Cap)<BR><BR>Key Metrics:<BR>P/E: N/A<BR>Industry P/E: N/A<BR>Dividend Yield: 3.37%<BR>Debt-Equity: N/A<BR>ROE: N/A<BR>Price-to-Book: N/A<BR><BR>Contact Details:<BR>Address: Plot No 2364/8 Khampur Raya, Vil. Shadi Kampur Main Patel Rd New Delhi New Delhi : 110008<BR>Phone: 91-11-30432121<BR>Email: corporatesecretarial@ujjivan.com<BR>Website: http://www.ujjivansfb.in

Who are in the management team of Ujjivan Small?

As of March 2023, the management team of Ujjivan Small includes Ittira Davis (Managing Director & CEO), B A Prabhakar (Part Time Chairman), and several independent directors and nominees, totaling ten members with a diverse governance structure.

As of March 2023, the management team of Ujjivan Small includes the following individuals:<BR><BR>1. Rajni Anil Misra - Independent Director<BR>2. B A Prabhakar - Part Time Chairman<BR>3. Samit Ghosh - Director<BR>4. Sudha Suresh - Independent Director<BR>5. Rajesh Kumar Jogi - Independent Director<BR>6. Ravichandran Venkataraman - Independent Director<BR>7. Ittira Davis - Managing Director & CEO<BR>8. P N Raghunath - Nominee (RBI)<BR>9. Satyaki Rastogi - Nominee<BR>10. Anita Ramachandran - Independent Director<BR><BR>This team comprises a mix of independent directors, a managing director, and nominees, reflecting a diverse governance structure.

Has Ujjivan Small declared dividend?

Yes, Ujjivan Small Finance Bank Ltd has declared a 15% dividend, amounting to ₹1.5 per share, with an ex-date of July 12, 2024. The dividend yield is 3.37%, and the bank has demonstrated strong total returns over various periods, particularly in the long term.

Ujjivan Small Finance Bank Ltd has declared a 15% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 15%<BR>- Amount per share: 1.5<BR>- Ex-date: 12 Jul 24<BR><BR>Dividend Yield: 3.37%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was 34.5% with no dividend return, resulting in a total return of 34.5%.<BR><BR>Over the past year, the price return was -1.32%, the dividend return was 3.01%, leading to a total return of 1.69%.<BR><BR>In the 2-year period, the price return was 28.26%, the dividend return was 5.32%, resulting in a total return of 33.58%.<BR><BR>For the 3-year period, the price return was 190.77%, with a dividend return of 19.42%, culminating in a total return of 210.19%.<BR><BR>In the 4-year period, the price return was 55.94%, the dividend return was 8.56%, leading to a total return of 64.5%.<BR><BR>Over the last 5 years, the price return was 67.26%, with a dividend return of 8.96%, resulting in a total return of 76.22%.<BR><BR>Overall, Ujjivan Small Finance Bank Ltd has shown a commitment to returning value to shareholders through dividends, alongside strong total returns over various periods, particularly notable in the longer term.

Who are the peers of the Ujjivan Small?

Ujjivan Small's peers include AU Small Finance, Equitas Small Finance, Jana Small Finance, Utkarsh Small Finance, ESAF Small Finance, Suryoday Small Finance, and Capital Small Finance. In terms of management risk, growth, and capital structure, AU Small Finance stands out, while Ujjivan Small has good ratings but a 1-year return of -12.11%.

Peers: The peers of Ujjivan Small are AU Small Finance, Equitas Sma. Fin, Jana Small Finan, Utkarsh Small F., ESAF Small Fin, Suryoday Small, and Capital Small.<BR><BR>Quality Snapshot: Excellent management risk is observed at AU Small Finance and Jana Small Finan, while Good management risk is found at Ujjivan Small, Equitas Sma. Fin, Utkarsh Small F., and Capital Small, and Average management risk is present at ESAF Small Fin and Suryoday Small. In terms of Growth, Excellent growth is noted at AU Small Finance, Ujjivan Small, Jana Small Finan, Suryoday Small, and Capital Small, while Average growth is seen at Equitas Sma. Fin and Utkarsh Small F., and Below Average growth is reported at ESAF Small Fin. For Capital Structure, Excellent capital structure is held by AU Small Finance, Ujjivan Small, Equitas Sma. Fin, Utkarsh Small F., and Suryoday Small, while Below Average capital structure is found at Jana Small Finan and Capital Small, and ESAF Small Fin has Below Average capital structure.<BR><BR>Return Snapshot: The peer with the highest 1-year return is AU Small Finance at 12.60%, while the lowest is Utkarsh Small F. at -55.37%. Ujjivan Small's own 1-year return is -12.11%, which is better than Utkarsh Small F. but worse than AU Small Finance. Additionally, the peers with negative six-month returns are Utkarsh Small F., ESAF Small Fin, and Suryoday Small.

Who are the top shareholders of the Ujjivan Small?

The top shareholders of Ujjivan Small include individual investors at 57.16%, Foreign Institutional Investors at 19.51%, and mutual funds holding 4.73%, with Sundaram Mutual Fund A/c Sundaram Small Cap Fund being the largest public shareholder at 3.35%. There are no pledged promoter holdings, and no single promoter has the highest stake.

The top shareholders of Ujjivan Small include a mix of institutional and individual investors. Notably, individual investors hold a significant portion at 57.16%. Foreign Institutional Investors (FIIs) account for 19.51%, with 131 FIIs participating in the shareholding. Mutual funds are represented by 14 schemes, holding a total of 4.73%. Among public shareholders, the largest is Sundaram Mutual Fund A/c Sundaram Small Cap Fund, which holds 3.35%. There are no pledged promoter holdings, and there is no single promoter with the highest holding.

How big is Ujjivan Small?

As of 24th July, Ujjivan Small Finance Bank Ltd has a market capitalization of 9,048.00 Cr and reported a net profit of 528.26 Cr, with shareholder's funds at 6,083.40 Cr and total assets valued at 47,714.24 Cr. There is no valid sales data available for the latest four quarters.

As of 24th July, Ujjivan Small Finance Bank Ltd has a market capitalization of 9,048.00 Cr, categorizing it as a Mid Cap company.<BR><BR>In the latest four quarters, Ujjivan Small Finance Bank Ltd reported net sales of 0.00 Cr, indicating a lack of valid sales data. The net profit for the same period was 528.26 Cr.<BR><BR>The latest reporting period for the balance sheet is March 2025. Shareholder's funds stood at 6,083.40 Cr, while total assets were valued at 47,714.24 Cr.

Is Ujjivan Small technically bullish or bearish?

As of October 6, 2025, Ujjivan Small's technical trend has shifted to bullish, supported by strong MACD indicators and a year-to-date return of 44.74%, despite some mixed signals in the short term.

As of 6 October 2025, the technical trend for Ujjivan Small has changed from mildly bullish to bullish. The current stance is bullish with strong indicators supporting this view. The MACD is bullish on both the weekly and monthly time frames, and the daily moving averages also indicate a bullish trend. While the Bollinger Bands show a bullish signal on the weekly chart, they are sideways on the monthly, suggesting some consolidation. The KST is mildly bearish on the weekly but bullish on the monthly, indicating mixed signals in the short term. Dow Theory reflects a mildly bullish stance on both weekly and monthly charts. Overall, the strength of the bullish trend is reinforced by the stock's strong performance relative to the Sensex over various periods, particularly with a year-to-date return of 44.74% compared to 4.67% for the index.

When is the next results date for Ujjivan Small?

The next results date for Ujjivan Small is 17 October 2025.

The next results date for Ujjivan Small is scheduled for 17 October 2025.

How has been the historical performance of Ujjivan Small?

Ujjivan Small has shown significant growth in income and assets from Mar'20 to Mar'25, with total income rising to 7,200.59 Cr and total assets increasing to 47,714.24 Cr. However, profitability metrics, including profit before tax and profit after tax, declined in Mar'25 compared to the previous year.

Answer:<BR>The historical performance of Ujjivan Small shows a significant growth trajectory in various financial metrics over the years.<BR><BR>Breakdown:<BR>Ujjivan Small's interest earned increased from 2,703.60 Cr in Mar'20 to 6,354.39 Cr in Mar'25, reflecting a strong upward trend. The net interest income also rose from 1,106.41 Cr in Mar'19 to 3,636.27 Cr in Mar'25, indicating improved profitability. However, the profit before tax peaked at 1,702.17 Cr in Mar'24 but dropped to 941.57 Cr in Mar'25, while profit after tax followed a similar pattern, decreasing from 1,281.50 Cr in Mar'24 to 726.10 Cr in Mar'25. The total income grew from 2,037.57 Cr in Mar'19 to 7,200.59 Cr in Mar'25, showcasing robust revenue generation. On the expenditure side, total expenditure (excluding depreciation) rose from 1,003.35 Cr in Mar'19 to 2,793.24 Cr in Mar'25. Ujjivan's total assets increased significantly from 18,421.37 Cr in Mar'20 to 47,714.24 Cr in Mar'25, while total liabilities also grew from 18,421.37 Cr to 47,714.23 Cr in the same period. The cash and cash equivalents improved from 1,338.00 Cr in Mar'20 to 3,156.00 Cr in Mar'25, indicating a healthy liquidity position. Overall, Ujjivan Small has demonstrated substantial growth in income and assets, although profitability metrics showed volatility in the most recent year.

Is Ujjivan Small overvalued or undervalued?

As of October 17, 2025, Ujjivan Small is considered very expensive and overvalued with a PE ratio of 22.65, higher than its peers HDFC Bank and ICICI Bank, despite strong year-to-date returns of 44.36%.

As of 17 October 2025, the valuation grade for Ujjivan Small has moved from expensive to very expensive, indicating a significant shift in its market perception. The company is currently deemed overvalued based on its financial metrics. Key ratios include a PE ratio of 22.65, a price to book value of 1.58, and a return on equity (ROE) of 6.96%. <BR><BR>In comparison to its peers, HDFC Bank has a PE of 22.22 and ICICI Bank has a PE of 20.98, both suggesting that Ujjivan Small's valuation is higher than that of its competitors. Additionally, while Ujjivan Small has shown strong year-to-date returns of 44.36% compared to the Sensex's 7.44%, the overall valuation metrics indicate that the stock is not justified at its current price level.

Are Ujjivan Small Finance Bank Ltd latest results good or bad?

Ujjivan Small Finance Bank Ltd's latest results show a strong quarterly profit increase of 70.98% year-on-year, but a 36.11% decline in profits over the past nine months raises concerns about sustainability, particularly due to reliance on non-operating income. Overall, while there are positive signs, caution is advised regarding long-term profitability.

Ujjivan Small Finance Bank Ltd's latest results present a mixed picture. On one hand, the bank reported a significant year-on-year net profit increase of 70.98% for Q3 FY26, reaching ₹185.72 crores. This surge is encouraging, especially when compared to the previous quarter's profit of ₹121.72 crores, indicating a sequential improvement of 52.58%. Additionally, net interest income grew by 12.83% year-on-year, reaching ₹1,000.47 crores, which is the highest quarterly figure in the bank's history.<BR><BR>However, this positive quarterly performance is overshadowed by a concerning trend over the nine-month period, where profits declined by 36.11% to ₹410.66 crores compared to the previous year. Furthermore, a significant portion of the bank's profits in Q3 was derived from non-operating income, which constituted 120.87% of profit before tax, raising questions about the sustainability of these earnings.<BR><BR>Asset quality showed some improvement, with gross NPAs at 2.45%, down from 2.68% in the previous year. Yet, the reliance on non-core income and the overall decline in profits over the nine-month period suggest that while there are positive signs, caution is warranted regarding the bank's long-term recovery and profitability.<BR><BR>In summary, while the latest quarterly results indicate a rebound in profit and income, the broader context of declining profits over the nine months and reliance on non-operating income presents a more nuanced and cautious outlook.

Should I buy, sell or hold Ujjivan Small Finance Bank Ltd?

Why is Ujjivan Small Finance Bank Ltd falling/rising?

As of 30-Jan, Ujjivan Small Finance Bank Ltd's stock price is rising to 65.33, reflecting a 4.78% increase. This growth is driven by strong past performance, high institutional confidence, and positive long-term growth potential despite some recent profit concerns.

As of 30-Jan, Ujjivan Small Finance Bank Ltd's stock price is rising, currently at 65.33, reflecting a change of 2.98 (4.78%) upward. This increase can be attributed to several factors. The stock has shown strong performance over various time frames, with a remarkable 84.86% return over the past year, significantly outperforming the BSE500 index, which only gained 7.18% in the same period. Additionally, the stock has risen by 25.71% over the past month, while the benchmark has declined by 2.84%.<BR><BR>Today, the stock outperformed its sector by 5.71% and is trading above all key moving averages, indicating a strong upward trend. Furthermore, the stock is close to its 52-week high, just 4.09% away from the peak of Rs 68. The high institutional holdings at 44.13% suggest confidence from larger investors, who have increased their stake by 6.95% over the previous quarter, indicating a positive outlook on the company's fundamentals.<BR><BR>Despite some concerns regarding flat results in December and a significant drop in profit, the overall long-term growth potential remains strong, with a net profit growth rate of 61.47% and a healthy capital adequacy ratio of 24.50%. These factors contribute to the stock's rising price, reflecting investor confidence in Ujjivan Small Finance Bank Ltd's future performance.

Which are the latest news on Ujjivan Small?