Ujjivan Small Finance Bank Ltd Nine-Monthly Results: Standalone & Consolidated Reports

Nine Monthly Results

Results Snapshot

Figures in Cr

Standalone Nine Monthly Results

Dec'25

Dec'24

Dec'23

Dec'22

Dec'21

Dec'20

Dec'19

Interest Earned

5,053.07

4,781.04

4,148.65

2,980.09

1,994.57

2,188.21

1,966.12

Income On Investments

614.30

597.13

502.59

276.35

132.35

130.80

102.50

Interest On Balances With Rbi Other Inter Bank Funds

13.65

8.41

7.72

10.94

45.31

21.46

4.66

Interest / Discount On Advances / Bills

4,419.13

4,166.09

3,626.77

2,670.46

1,816.91

2,035.95

1,853.50

Others

5.99

9.41

11.57

22.34

0.00

5.46

Other Income

800.82

576.51

550.62

410.21

219.54

190.92

250.05

Total Income

5,853.89

5,357.55

4,699.27

3,390.30

2,214.11

2,379.13

2,216.17

Interest Expended

2,274.97

2,009.07

1,672.73

1,020.27

764.95

827.78

799.17

Net Interest Income

2,778.10

2,771.97

2,475.92

1,959.82

1,229.62

1,360.43

1,166.95

Total Expenditure (Excl Depreciation)

2,383.40

2,018.99

1,627.99

1,295.56

1,067.07

903.32

970.37

Employee Cost

1,321.02

1,079.88

855.89

667.01

585.70

579.50

533.59

Other Operating Expenses

1,062.38

939.11

772.10

628.55

481.37

323.82

436.78

Operating Profit Before Provisions and Contingencies

1,195.52

1,329.49

1,398.55

1,074.47

382.09

648.03

446.63

Exceptional Items

0.00

Provisions and contingencies

655.24

483.16

135.94

19.73

1,105.88

821.70

74.11

Profit Before Tax

540.28

846.33

1,262.61

1,054.74

-723.79

-173.67

372.52

Tax

129.62

203.60

310.74

264.32

-182.69

-45.49

95.75

Profit After Tax

410.66

642.73

951.87

790.42

-541.10

-128.18

276.77

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

410.66

642.73

951.87

790.42

-541.10

-128.18

276.77

Face Value

10.0

Reserves

0.00

Diluted Earnings per share

0.94

0.56

1.5

-0.2

-1.61

0.58

Operating Profit Margin (Excl OI)

52.83%

57.77%

60.76%

56.53%

46.5%

58.72%

50.65%

Gross Profit Margin

0.0%

PAT Margin

8.13%

13.44%

22.94%

26.52%

-27.13%

-5.86%

14.08%

Net Interest Margin

8.2%

8.6%

8.8%

9.4%

9.7%

10.9%

Return on Assets

0.37%

0.25%

0.78%

1.04%

-0.17%

-1.51%

0.54%

CASA (%)

0.0%

25.1%

25.5%

26.2%

26.0%

18.0%

12.0%

CASA Amount

11,535.00

8,663.00

7,557.00

6,070.00

0.00

2,055.00

1,237.00

Capital Adequacy Ratio (Total)

0.0%

19.09%

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

76.0%

80.0%

92.0%

99.0%

84.0%

95.0%

60.0%

Amount of Gross NPAs

879.39

811.23

570.74

737.55

1,611.66

130.58

129.45

Amount of Net NPAs

208.08

164.94

42.75

9.48

251.55

6.40

51.49

% of Net NPAs

0.57%

0.56%

0.17%

0.05%

1.67%

0.05%

0.38%

% of Gross NPAs

2.38%

2.68%

2.18%

3.64%

9.79%

0.96%

0.95%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

613.0

611.0

577.0

511.0

491.0

471.0

Number of Branches

777.0

753.0

729.0

598.0

575.0

574.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2025 is 5.69% vs 15.24% in Dec 2024

Net Profit

YoY Growth in nine months ended Dec 2025 is -36.11% vs -32.48% in Dec 2024

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2025 is -10.08% vs -4.94% in Dec 2024

% of Net NPAs

YoY Growth in nine months ended Dec 2025 is 0.01% vs 0.39% in Dec 2024

% of Gross NPAs

YoY Growth in nine months ended Dec 2025 is -0.30% vs 0.50% in Dec 2024

Compare Nine Monthly Results Of Ujjivan Small With

Select Peers

Figures in Cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

5,053.07

13,617.20

-8,564.13

-62.89%

Income On Investments

614.30

1,939.40

-1,325.10

-68.33%

Interest On Balances With Rbi Other Inter Bank Funds

13.65

69.97

-56.32

-80.49%

Interest / Discount On Advances / Bills

4,419.13

11,467.51

-7,048.38

-61.46%

Others

5.99

140.31

-134.32

-95.73%

Other Income

800.82

2,246.99

-1,446.17

-64.36%

Total Income

5,853.89

15,864.17

-10,010.28

-63.1%

Interest Expended

2,274.97

7,086.84

-4,811.87

-67.9%

Net Interest Income

2,778.10

6,530.36

-3,752.26

-57.46%

Total Expenditure (Excl Depreciation)

2,383.40

5,040.09

-2,656.69

-52.71%

Employee Cost

1,321.02

2,803.25

-1,482.23

-52.88%

Other Operating Expenses

1,062.38

2,236.84

-1,174.46

-52.51%

Operating Profit Before Provisions and Contingencies

1,195.52

3,737.24

-2,541.72

-68.01%

Exceptional Items

0.00

Provisions and contingencies

655.24

1,345.28

-690.04

-51.29%

Profit Before Tax

540.28

2,391.97

-1,851.69

-77.41%

Tax

129.62

582.58

-452.96

-77.75%

Profit After Tax

410.66

1,809.39

-1,398.73

-77.3%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

410.66

1,809.39

-1,398.73

-77.3%

Face Value

10.00

0.00

Reserves

0.00

Gross Profit Margin

0.00%

0.00

0.00%

PAT Margin

8.13%

13.29%

0.00

-5.16%

Net Interest Margin

8.20%

5.70%

2.50

2.50%

Return on Assets

0.37%

0.39%

-0.02

-0.02%

CASA (%)

0.00%

29.00%

-29.00

-29.00%

CASA Amount

11,535.00

39,947.00

-28,412.00

-71.12%

Capital Adequacy Ratio (Total)

0.00%

0.00

0.00%

Capital Adequacy Ratio (Tier 1)

0.00%

0.00

0.00%

Provision Coverage Ratio (%)

76.00%

83.00%

-7.00

-7.00%

Amount of Gross NPAs

879.39

2,880.54

-2,001.15

-69.47%

Amount of Net NPAs

208.08

1,091.46

-883.38

-80.94%

% of Net NPAs

0.57%

0.88%

-0.31

-0.31%

% of Gross NPAs

2.38%

2.30%

0.08

0.08%

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

613.00

742.00

-129.00

-17.39%

Number of Branches

777.00

2,726.00

-1,949.00

-71.5%

Nine Monthly - Interest Earned

Interest Earned 5053.07 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 5.69% vs 15.24% in Dec 2024

Nine Monthly - Net Profit

Net Profit 410.66 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is -36.11% vs -32.48% in Dec 2024

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,195.52 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is -10.08% vs -4.94% in Dec 2024

Nine Monthly - % of Net NPAs

% of Net NPAs 0.57%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is 0.01% vs 0.39% in Dec 2024

Nine Monthly - % of Gross NPAs

% of Gross NPAs 2.38%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is -0.30% vs 0.50% in Dec 2024