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Ujjivan Small

  • Market Cap: Small Cap
  • Industry: Other Bank
  • ISIN: INE551W01018
  • NSEID: UJJIVANSFB
  • BSEID: 542904
  • View on NSE | View on BSE
INR
53.48
-0.65 (-1.2%)
BSENSE

May 20

BSE+NSE Vol: 30.6 lacs

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stock-recommendationAnnual 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
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
0.00
0.00
0.00
0.00
0.00
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
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
692.63
726.10
1,281.50
1,099.92
-414.58
8.30
349.92
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
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%
0.0%
0.0%
0.0%
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
0.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
0.0%
26.44%
0.0%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
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%
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
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
575.0
575.0
Annual Analysis Highlights
stock-summary

Interest Earned

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

stock-summary

Net Profit

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

stock-summary

Operating Profit (PBDIT)

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

stock-summary

% of Net NPAs

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

stock-summary

% 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
Markets Mojo
Figures in Cr
Standalone Annual Results
Markets Mojo
Markets Mojo
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
0.00
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
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
692.63
2,641.25
-1,948.62
-73.78%
Face Value
10.00
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
0.00%
Capital Adequacy Ratio (Tier 1)
0.00%
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
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
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
stock-summary

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
stock-summary

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
stock-summary

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 %
stock-summary

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 %
stock-summary

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

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