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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-recommendationHalf Yearly Results
Results Snapshot
Figures in Cr
Standalone Half Yearly Results
Sep'25
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Interest Earned
3,301.15
3,189.97
2,678.02
1,898.50
1,286.70
1,499.89
1,259.70
Income On Investments
414.87
395.09
321.90
162.79
86.33
85.50
66.48
Interest On Balances With Rbi Other Inter Bank Funds
10.56
3.88
4.36
6.53
31.25
16.19
1.74
Interest / Discount On Advances / Bills
2,871.54
2,784.32
2,343.32
1,713.81
1,169.12
1,398.20
1,187.03
Others
4.18
6.68
8.44
15.37
0.00
0.00
4.45
Other Income
505.34
404.34
365.86
271.26
128.72
90.49
175.16
Total Income
3,806.49
3,594.31
3,043.88
2,169.76
1,415.42
1,590.38
1,434.86
Interest Expended
1,523.52
1,304.74
1,062.03
635.60
510.94
571.74
519.28
Net Interest Income
1,777.63
1,885.23
1,615.99
1,262.90
775.76
928.15
740.42
Total Expenditure (Excl Depreciation)
1,527.25
1,319.25
1,040.60
848.61
663.72
574.39
612.96
Employee Cost
847.21
708.69
541.88
441.47
364.66
375.56
337.18
Other Operating Expenses
680.04
610.56
498.72
407.14
299.06
198.83
275.78
Operating Profit Before Provisions and Contingencies
755.72
970.32
941.25
685.55
240.76
444.25
302.62
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
459.90
260.36
73.03
19.95
918.91
238.25
43.58
Profit Before Tax
295.82
709.96
868.22
665.60
-678.15
206.00
259.04
Tax
70.88
175.85
216.41
168.37
-170.88
55.35
71.93
Profit After Tax
224.94
534.11
651.81
497.23
-507.27
150.65
187.11
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
224.94
534.11
651.81
497.23
-507.27
150.65
187.11
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
1.16
2.76
3.33
2.54
-2.94
0.87
1.3
Diluted Earnings per share
1.15
2.72
3.29
2.69
-2.94
0.87
1.21
Operating Profit Margin (Excl OI)
39.8%
50.48%
58.42%
54.25%
-23.0%
45.82%
47.88%
Gross Profit Margin
8.96%
22.26%
32.42%
35.06%
-52.7%
13.73%
20.56%
PAT Margin
6.81%
16.74%
24.34%
26.19%
-39.42%
10.04%
14.85%
Net Interest Margin
7.8%
9.2%
9.0%
9.7%
8.0%
0.0%
0.0%
Return on Assets
0.47%
1.28%
1.86%
2.07%
-2.58%
0.79%
0.0%
CASA (%)
27.0%
25.9%
24.1%
26.9%
22.5%
16.0%
12.0%
CASA Amount
10,783.00
8,833.00
7,013.00
5,496.00
3,166.00
1,769.00
1,203.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
22.19%
0.0%
18.84%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
73.0%
78.0%
96.0%
99.0%
75.0%
86.0%
61.0%
Amount of Gross NPAs
843.11
749.96
585.80
928.86
1,712.65
136.09
109.40
Amount of Net NPAs
225.00
164.08
21.81
7.32
685.14
19.08
42.53
% of Net NPAs
0.67%
0.56%
0.09%
0.04%
3.29%
0.14%
0.33%
% of Gross NPAs
2.45%
2.52%
2.35%
5.06%
11.8%
0.98%
0.85%
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
610.0
545.0
502.0
491.0
477.0
0.0
Number of Branches
766.0
752.0
700.0
590.0
575.0
575.0
0.0
Half Yearly Analysis Highlights
stock-summary

Interest Earned

Growth in half year ended Sep 2025 is 3.49% vs 19.12% in Sep 2024

stock-summary

Net Profit

Growth in half year ended Sep 2025 is -57.89% vs -18.06% in Sep 2024

stock-summary

Operating Profit (PBDIT)

Growth in half year ended Sep 2025 is -22.12% vs 3.09% in Sep 2024

stock-summary

% of Net NPAs

Growth in half year ended Sep 2025 is 0.11% vs 0.47% in Sep 2024

stock-summary

% of Gross NPAs

Growth in half year ended Sep 2025 is -0.07% vs 0.17% in Sep 2024

Compare Half Yearly Results Of Ujjivan Small With
Markets Mojo
Figures in Cr
Standalone Half Yearly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
3,301.15
8,889.73
-5,588.58
-62.87%
Income On Investments
414.87
1,289.36
-874.49
-67.82%
Interest On Balances With Rbi Other Inter Bank Funds
10.56
46.57
-36.01
-77.32%
Interest / Discount On Advances / Bills
2,871.54
7,451.15
-4,579.61
-61.46%
Others
4.18
102.65
-98.47
-95.93%
Other Income
505.34
1,523.19
-1,017.85
-66.82%
Total Income
3,806.49
10,412.91
-6,606.42
-63.44%
Interest Expended
1,523.52
4,700.64
-3,177.12
-67.59%
Net Interest Income
1,777.63
4,189.09
-2,411.46
-57.57%
Total Expenditure (Excl Depreciation)
1,527.25
3,190.34
-1,663.09
-52.13%
Employee Cost
847.21
1,784.24
-937.03
-52.52%
Other Operating Expenses
680.04
1,406.10
-726.06
-51.64%
Operating Profit Before Provisions and Contingencies
755.72
2,521.93
-1,766.21
-70.03%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
459.90
1,014.14
-554.24
-54.65%
Profit Before Tax
295.82
1,507.80
-1,211.98
-80.38%
Tax
70.88
366.07
-295.19
-80.64%
Profit After Tax
224.94
1,141.73
-916.79
-80.3%
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
224.94
1,141.73
-916.79
-80.3%
Face Value
10.00
10.00
0.00
Reserves
0.00
17,399.20
-17,399.20
-100.0%
Earnings per share (EPS)
1.16
15.30
-14.14
-92.42%
Diluted Earnings per share
1.15
15.24
-14.09
-92.45%
Operating Profit Margin (Excl OI)
39.80%
52.70%
0.00
-12.90%
Gross Profit Margin
8.96%
16.96%
0.00
-8.00%
PAT Margin
6.81%
12.84%
0.00
-6.03%
Net Interest Margin
7.80%
5.40%
2.40
2.40%
Return on Assets
0.47%
0.35%
0.12
0.12%
CASA (%)
27.00%
29.40%
-2.40
-2.40%
CASA Amount
10,783.00
39,000.00
-28,217.00
-72.35%
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 (%)
73.00%
84.00%
-11.00
-11.00%
Amount of Gross NPAs
843.11
2,835.34
-1,992.23
-70.26%
Amount of Net NPAs
225.00
1,015.66
-790.66
-77.85%
% of Net NPAs
0.67%
0.88%
-0.21
-0.21%
% of Gross NPAs
2.45%
2.41%
0.04
0.04%
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
707.00
-94.00
-13.3%
Number of Branches
766.00
2,626.00
-1,860.00
-70.83%
Half Yearly - Interest Earned
Interest Earned 3301.15 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is 3.49% vs 19.12% in Sep 2024

Half Yearly - Net Profit
Net Profit 224.94 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is -57.89% vs -18.06% in Sep 2024

Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 755.72 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is -22.12% vs 3.09% in Sep 2024

Half Yearly - % of Net NPAs
% of Net NPAs 0.67%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is 0.11% vs 0.47% in Sep 2024

Half Yearly - % of Gross NPAs
% of Gross NPAs 2.45%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is -0.07% vs 0.17% in Sep 2024

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