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Ujjivan Small

  • Market Cap: Small Cap
  • Industry: Other Bank
  • ISIN: INE551W01018
  • NSEID: UJJIVANSFB
  • BSEID: 542904
INR
53.38
-0.64 (-1.18%)
BSENSE

Dec 05

BSE+NSE Vol: 1.01 cr

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stock-recommendationAnnual Results
Results Snapshot
Figures in Cr
Standalone Annual Results
Mar'25
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Mar'19
Interest Earned
6,354.39
5,677.16
4,164.89
2,812.81
2,806.07
2,703.60
1,831.61
Income On Investments
805.83
678.62
410.83
185.14
172.98
138.70
93.10
Interest On Balances With Rbi Other Inter Bank Funds
10.96
10.56
18.06
51.89
32.71
7.73
2.43
Interest / Discount On Advances / Bills
5,525.70
4,973.01
3,707.77
2,575.78
2,600.38
2,551.71
1,728.49
Others
11.90
14.97
28.23
0.00
0.00
5.46
7.59
Other Income
846.20
786.75
589.30
359.88
302.31
322.21
205.96
Total Income
7,200.59
6,463.91
4,754.19
3,172.69
3,108.38
3,025.81
2,037.57
Interest Expended
2,718.12
2,267.70
1,467.09
1,039.21
1,077.51
1,070.01
725.20
Net Interest Income
3,636.27
3,409.46
2,697.80
1,773.60
1,728.56
1,633.59
1,106.41
Total Expenditure (Excl Depreciation)
2,793.24
2,279.10
1,802.06
1,496.38
1,230.08
1,318.57
1,003.35
Employee Cost
1,499.49
1,183.18
920.25
812.60
748.78
718.49
518.80
Other Operating Expenses
1,293.75
1,095.92
881.81
683.78
481.30
600.08
484.55
Operating Profit Before Provisions and Contingencies
1,689.23
1,917.11
1,485.04
637.10
800.79
637.23
309.02
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
747.66
214.94
17.80
1,187.45
790.59
170.99
40.60
Profit Before Tax
941.57
1,702.17
1,467.24
-550.35
10.20
466.24
268.42
Tax
215.47
420.67
367.32
-135.77
1.90
116.32
69.20
Profit After Tax
726.10
1,281.50
1,099.92
-414.58
8.30
349.92
199.22
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
726.10
1,281.50
1,099.92
-414.58
8.30
349.92
199.22
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
4,148.41
3,682.06
2,003.18
832.12
1,246.71
1,238.08
179.59
Earnings per share (EPS)
3.75
6.63
5.63
-2.4
0.05
2.02
1.38
Diluted Earnings per share
3.71
6.54
5.87
-2.4
0.05
2.18
1.2
Operating Profit Margin (Excl OI)
44.28%
56.07%
56.3%
4.59%
27.99%
44.9%
43.0%
Gross Profit Margin
14.82%
29.98%
35.23%
-19.57%
0.36%
17.25%
14.65%
PAT Margin
11.43%
22.57%
26.41%
-14.74%
0.3%
12.94%
10.88%
Net Interest Margin
8.8%
9.1%
9.5%
8.88%
9.5%
10.8%
10.9%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.04%
2.21%
0.0%
CASA (%)
25.5%
0.0%
26.4%
27.3%
21.0%
14.0%
11.0%
CASA Amount
9,612.00
8,334.00
6,744.00
4,992.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
26.44%
0.0%
0.0%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
78.0%
87.0%
98.0%
92.0%
60.0%
80.0%
72.0%
Amount of Gross NPAs
695.89
612.52
630.61
1,284.08
1,070.60
137.14
97.85
Amount of Net NPAs
152.43
76.29
9.04
99.60
424.58
27.49
27.55
% of Net NPAs
0.49%
0.28%
0.04%
0.61%
2.93%
0.2%
0.26%
% of Gross NPAs
2.18%
2.23%
2.88%
7.34%
7.07%
0.97%
0.92%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
613.0
596.0
517.0
492.0
491.0
475.0
385.0
Number of Branches
753.0
752.0
629.0
575.0
575.0
575.0
474.0
Annual Analysis Highlights
stock-summary

Interest Earned

YoY Growth in year ended Mar 2025 is 11.93% vs 36.31% in Mar 2024

stock-summary

Net Profit

YoY Growth in year ended Mar 2025 is -43.34% vs 16.51% in Mar 2024

stock-summary

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2025 is -11.89% vs 29.09% in Mar 2024

stock-summary

% of Net NPAs

YoY Growth in year ended Mar 2025 is 0.21% vs 0.24% in Mar 2024

stock-summary

% of Gross NPAs

YoY Growth in year ended Mar 2025 is -0.05% vs -0.65% in Mar 2024

Compare Annual Results Of Ujjivan Small With
Markets Mojo
Figures in Cr
Standalone Annual Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
6,354.39
16,063.73
-9,709.34
-60.44%
Income On Investments
805.83
2,238.18
-1,432.35
-64.0%
Interest On Balances With Rbi Other Inter Bank Funds
10.96
69.15
-58.19
-84.15%
Interest / Discount On Advances / Bills
5,525.70
13,368.35
-7,842.65
-58.67%
Others
11.90
388.06
-376.16
-96.93%
Other Income
846.20
2,526.31
-1,680.11
-66.5%
Total Income
7,200.59
18,590.04
-11,389.45
-61.27%
Interest Expended
2,718.12
8,052.15
-5,334.03
-66.24%
Net Interest Income
3,636.27
8,011.58
-4,375.31
-54.61%
Total Expenditure (Excl Depreciation)
2,793.24
5,957.22
-3,163.98
-53.11%
Employee Cost
1,499.49
3,147.76
-1,648.27
-52.36%
Other Operating Expenses
1,293.75
2,809.46
-1,515.71
-53.95%
Operating Profit Before Provisions and Contingencies
1,689.23
4,580.68
-2,891.45
-63.12%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
747.66
1,792.62
-1,044.96
-58.29%
Profit Before Tax
941.57
2,788.05
-1,846.48
-66.23%
Tax
215.47
682.13
-466.66
-68.41%
Profit After Tax
726.10
2,105.93
-1,379.83
-65.52%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
726.10
2,105.93
-1,379.83
-65.52%
Face Value
10.00
10.00
0.00
Reserves
4,148.41
16,421.75
-12,273.34
-74.74%
Earnings per share (EPS)
3.75
28.29
-24.54
-86.74%
Diluted Earnings per share
3.71
28.24
-24.53
-86.86%
Operating Profit Margin (Excl OI)
44.28%
51.76%
0.00
-7.48%
Gross Profit Margin
14.82%
17.36%
0.00
-2.54%
PAT Margin
11.43%
13.11%
0.00
-1.68%
Net Interest Margin
8.80%
5.94%
2.86
2.86%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
25.50%
29.20%
-3.70
-3.70%
CASA Amount
9,612.00
36,253.00
-26,641.00
-73.49%
Capital Adequacy Ratio (Total)
0.00%
0.00%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0.00%
0.00%
0.00
0.00%
Provision Coverage Ratio (%)
78.00%
84.00%
-6.00
-6.00%
Amount of Gross NPAs
695.89
2,477.03
-1,781.14
-71.91%
Amount of Net NPAs
152.43
791.34
-638.91
-80.74%
% of Net NPAs
0.49%
0.74%
-0.25
-0.25%
% of Gross NPAs
2.18%
2.28%
-0.10
-0.10%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
613.00
677.00
-64.00
-9.45%
Number of Branches
753.00
2,456.00
-1,703.00
-69.34%
Annual - Interest Earned
Interest Earned 6354.39 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is 11.93% vs 36.31% in Mar 2024

Annual - Net Profit
Net Profit 726.10 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is -43.34% vs 16.51% in Mar 2024

Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,689.23 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is -11.89% vs 29.09% in Mar 2024

Annual - % of Net NPAs
% of Net NPAs 0.49%
in Mar 2025

Figures in %
stock-summary

YoY Growth in year ended Mar 2025 is 0.21% vs 0.24% in Mar 2024

Annual - % of Gross NPAs
% of Gross NPAs 2.18%
in Mar 2025

Figures in %
stock-summary

YoY Growth in year ended Mar 2025 is -0.05% vs -0.65% in Mar 2024

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