Ujjivan Small Finance Bank Ltd Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

6,931.45

6,354.39

5,677.16

4,164.89

2,812.81

2,806.07

2,703.60

Income On Investments

830.33

805.83

678.62

410.83

185.14

172.98

138.70

Interest On Balances With Rbi Other Inter Bank Funds

16.00

10.96

10.56

18.06

51.89

32.71

7.73

Interest / Discount On Advances / Bills

6,077.47

5,525.70

4,973.01

3,707.77

2,575.78

2,600.38

2,551.71

Others

7.65

11.90

14.97

28.23

0.00

5.46

Other Income

1,107.52

846.20

786.75

589.30

359.88

302.31

322.21

Total Income

8,038.97

7,200.59

6,463.91

4,754.19

3,172.69

3,108.38

3,025.81

Interest Expended

3,060.45

2,718.12

2,267.70

1,467.09

1,039.21

1,077.51

1,070.01

Net Interest Income

3,871.00

3,636.27

3,409.46

2,697.80

1,773.60

1,728.56

1,633.59

Total Expenditure (Excl Depreciation)

3,268.39

2,793.24

2,279.10

1,802.06

1,496.38

1,230.08

1,318.57

Employee Cost

1,790.97

1,499.49

1,183.18

920.25

812.60

748.78

718.49

Other Operating Expenses

1,477.42

1,293.75

1,095.92

881.81

683.78

481.30

600.08

Operating Profit Before Provisions and Contingencies

1,710.13

1,689.23

1,917.11

1,485.04

637.10

800.79

637.23

Exceptional Items

0.00

Provisions and contingencies

799.10

747.66

214.94

17.80

1,187.45

790.59

170.99

Profit Before Tax

911.03

941.57

1,702.17

1,467.24

-550.35

10.20

466.24

Tax

218.40

215.47

420.67

367.32

-135.77

1.90

116.32

Profit After Tax

692.63

726.10

1,281.50

1,099.92

-414.58

8.30

349.92

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

692.63

726.10

1,281.50

1,099.92

-414.58

8.30

349.92

Face Value

10.0

Reserves

4,872.96

4,148.41

3,682.06

2,003.18

832.12

1,246.71

1,238.08

Earnings per share (EPS)

3.57

3.75

6.63

5.63

-2.4

0.05

2.02

Diluted Earnings per share

3.51

3.71

6.54

5.87

-2.4

0.05

2.18

Operating Profit Margin (Excl OI)

41.32%

44.28%

56.07%

56.3%

4.59%

27.99%

44.9%

Gross Profit Margin

13.14%

14.82%

29.98%

35.23%

-19.57%

0.36%

17.25%

PAT Margin

9.99%

11.43%

22.57%

26.41%

-14.74%

0.3%

12.94%

Net Interest Margin

8.1%

8.8%

9.1%

9.5%

8.88%

9.5%

10.8%

Return on Assets

0.0%

0.04%

2.21%

CASA (%)

28.6%

25.5%

0.0%

26.4%

27.3%

21.0%

14.0%

CASA Amount

13,061.00

9,612.00

8,334.00

6,744.00

4,992.00

0.00

Capital Adequacy Ratio (Total)

0.0%

26.44%

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

81.0%

78.0%

87.0%

98.0%

92.0%

60.0%

80.0%

Amount of Gross NPAs

916.71

695.89

612.52

630.61

1,284.08

1,070.60

137.14

Amount of Net NPAs

170.44

152.43

76.29

9.04

99.60

424.58

27.49

% of Net NPAs

0.43%

0.49%

0.28%

0.04%

0.61%

2.93%

0.2%

% of Gross NPAs

2.26%

2.18%

2.23%

2.88%

7.34%

7.07%

0.97%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

612.0

613.0

596.0

517.0

492.0

491.0

475.0

Number of Branches

776.0

753.0

752.0

629.0

575.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is 9.08% vs 11.93% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is -4.61% vs -43.34% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is 1.24% vs -11.89% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.06% vs 0.21% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is 0.08% vs -0.05% in Mar 2025

Compare Annual Results Of Ujjivan Small With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

6,931.45

18,636.34

-11,704.89

-62.81%

Income On Investments

830.33

2,647.21

-1,816.88

-68.63%

Interest On Balances With Rbi Other Inter Bank Funds

16.00

92.55

-76.55

-82.71%

Interest / Discount On Advances / Bills

6,077.47

15,711.11

-9,633.64

-61.32%

Others

7.65

185.47

-177.82

-95.88%

Other Income

1,107.52

2,977.94

-1,870.42

-62.81%

Total Income

8,038.97

21,614.28

-13,575.31

-62.81%

Interest Expended

3,060.45

9,523.66

-6,463.21

-67.86%

Net Interest Income

3,871.00

9,112.68

-5,241.68

-57.52%

Total Expenditure (Excl Depreciation)

3,268.39

7,001.86

-3,733.47

-53.32%

Employee Cost

1,790.97

3,848.16

-2,057.19

-53.46%

Other Operating Expenses

1,477.42

3,153.70

-1,676.28

-53.15%

Operating Profit Before Provisions and Contingencies

1,710.13

5,088.76

-3,378.63

-66.39%

Exceptional Items

0.00

Provisions and contingencies

799.10

1,614.71

-815.61

-50.51%

Profit Before Tax

911.03

3,474.05

-2,563.02

-73.78%

Tax

218.40

832.79

-614.39

-73.77%

Profit After Tax

692.63

2,641.25

-1,948.62

-73.78%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

692.63

2,641.25

-1,948.62

-73.78%

Face Value

10.00

0.00

Reserves

4,872.96

19,225.25

-14,352.29

-74.65%

Earnings per share (EPS)

3.57

35.30

-31.73

-89.89%

Diluted Earnings per share

3.51

35.01

-31.50

-89.97%

Operating Profit Margin (Excl OI)

41.32%

53.76%

0.00

-12.44%

Gross Profit Margin

13.14%

18.64%

0.00

-5.50%

PAT Margin

9.99%

14.17%

0.00

-4.18%

Net Interest Margin

8.10%

5.65%

2.45

2.45%

Return on Assets

0.00%

1.57%

-1.57

-1.57%

CASA (%)

28.60%

28.00%

0.60

0.60%

CASA Amount

13,061.00

43,357.00

-30,296.00

-69.88%

Capital Adequacy Ratio (Total)

0.00%

0.00

0.00%

Capital Adequacy Ratio (Tier 1)

0.00%

0.00

0.00%

Provision Coverage Ratio (%)

81.00%

85.00%

-4.00

-4.00%

Amount of Gross NPAs

916.71

2,755.64

-1,838.93

-66.73%

Amount of Net NPAs

170.44

989.90

-819.46

-82.78%

% of Net NPAs

0.43%

0.74%

-0.31

-0.31%

% of Gross NPAs

2.26%

2.03%

0.23

0.23%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

612.00

762.00

-150.00

-19.69%

Number of Branches

776.00

2,790.00

-2,014.00

-72.19%

Annual - Interest Earned

Interest Earned 6931.45 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 9.08% vs 11.93% in Mar 2025

Annual - Net Profit

Net Profit 692.63 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is -4.61% vs -43.34% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,710.13 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 1.24% vs -11.89% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 0.43%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.06% vs 0.21% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 2.26%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is 0.08% vs -0.05% in Mar 2025