How has been the historical performance of Ujjivan Small?

Answer:The historical performance of Ujjivan Small shows a significant growth trajectory in various financial metrics over the years, particularly from March 2019 to March 2025.

Breakdown:
Ujjivan Small's interest earned has increased from 1,831.61 Cr in March 2019 to 6,354.39 Cr in March 2025, reflecting a robust growth trend. The income on investments also rose significantly, reaching 805.83 Cr in March 2025 from just 93.10 Cr in March 2019. The total income followed suit, climbing from 2,037.57 Cr in March 2019 to 7,200.59 Cr in March 2025. However, interest expended also grew, from 725.20 Cr to 2,718.12 Cr over the same period, leading to a net interest income of 3,636.27 Cr in March 2025, up from 1,106.41 Cr in March 2019. The profit before tax peaked at 941.57 Cr in March 2025, after fluctuating in previous years, while profit after tax reached 726.10 Cr, a notable recovery from a loss of 414.58 Cr in March 2022. The company’s net profit margin was 11.43% in March 2025, down from 22.57% in March 2024, indicating some pressure on profitability. On the balance sheet, total assets grew from 18,421.37 Cr in March 2019 to 47,714.24 Cr in March 2025, with deposits also increasing significantly to 37,630.48 Cr. Cash and cash equivalents improved to 3,156.00 Cr by March 2025, up from 1,338.00 Cr in March 2019, demonstrating enhanced liquidity. Overall, Ujjivan Small has shown resilience and growth in its financial performance, despite facing challenges in profitability in certain years.