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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

1,878.36

1,751.92

1,682.31

1,618.84

1,573.36

1,591.07

1,612.79

Income On Investments

216.02

199.43

203.01

211.86

208.70

202.04

201.02

Interest On Balances With Rbi Other Inter Bank Funds

2.35

3.09

4.57

5.99

2.55

4.53

2.53

Interest / Discount On Advances / Bills

1,658.33

1,547.59

1,472.70

1,398.84

1,359.62

1,381.77

1,405.45

Others

1.66

1.81

2.03

2.15

2.49

2.73

3.79

Other Income

306.70

295.48

256.35

248.99

269.69

172.17

207.25

Total Income

2,185.06

2,047.40

1,938.66

1,867.83

1,843.05

1,763.24

1,820.04

Interest Expended

785.47

751.45

760.63

762.89

709.05

704.33

669.02

Net Interest Income

1,092.89

1,000.47

921.68

855.95

864.31

886.74

943.77

Total Expenditure (Excl Depreciation)

884.99

856.15

782.79

744.46

774.24

699.74

690.22

Employee Cost

469.95

473.81

435.46

411.75

419.61

371.19

368.44

Other Operating Expenses

415.04

382.34

347.33

332.71

354.63

328.55

321.78

Operating Profit Before Provisions and Contingencies

514.60

439.80

395.24

360.48

359.76

359.17

460.80

Exceptional Items

0.00

Provisions and contingencies

143.85

195.34

234.96

224.94

264.50

222.80

150.51

Profit Before Tax

370.75

244.46

160.28

135.54

95.26

136.37

310.29

Tax

88.78

58.74

38.56

32.32

11.87

27.75

77.26

Profit After Tax

281.97

185.72

121.72

103.22

83.39

108.62

233.03

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

281.97

185.72

121.72

103.22

83.39

108.62

233.03

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

1.45

0.96

0.63

0.53

0.43

0.56

1.2

Diluted Earnings per share

1.43

0.94

0.62

0.53

0.43

0.56

1.19

Operating Profit Margin (Excl OI)

45.23%

39.98%

39.5%

40.12%

33.98%

42.02%

47.87%

Gross Profit Margin

19.74%

13.95%

9.53%

8.37%

6.05%

8.57%

19.24%

PAT Margin

15.01%

10.6%

7.24%

6.38%

5.3%

6.83%

14.45%

Net Interest Margin

8.5%

8.2%

7.9%

7.7%

8.3%

8.6%

9.2%

Return on Assets

0.51%

0.37%

0.25%

0.21%

0.18%

0.25%

0.55%

CASA (%)

28.6%

0.0%

27.0%

25.5%

25.1%

25.9%

CASA Amount

13,061.00

11,535.00

10,783.00

9,381.00

9,612.00

8,663.00

8,833.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

81.0%

76.0%

73.0%

78.0%

80.0%

78.0%

Amount of Gross NPAs

916.71

879.39

843.11

834.35

695.89

811.23

749.96

Amount of Net NPAs

170.44

208.08

225.00

226.12

152.43

164.94

164.08

% of Net NPAs

0.43%

0.57%

0.67%

0.7%

0.49%

0.56%

% of Gross NPAs

2.26%

2.38%

2.45%

2.52%

2.18%

2.68%

2.52%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

612.0

613.0

611.0

610.0

Number of Branches

776.0

777.0

766.0

752.0

753.0

752.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Mar 2026 is 7.22% vs 4.14% in Dec 2025

Net Profit

QoQ Growth in quarter ended Mar 2026 is 51.83% vs 52.58% in Dec 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Mar 2026 is 17.01% vs 11.27% in Dec 2025

% of Net NPAs

QoQ Growth in quarter ended Mar 2026 is -0.14% vs -0.10% in Dec 2025

% of Gross NPAs

QoQ Growth in quarter ended Mar 2026 is -0.12% vs -0.07% in Dec 2025

Compare Quarterly Results Of Ujjivan Small With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,878.36

5,019.15

-3,140.79

-62.58%

Income On Investments

216.02

707.81

-491.79

-69.48%

Interest On Balances With Rbi Other Inter Bank Funds

2.35

22.58

-20.23

-89.59%

Interest / Discount On Advances / Bills

1,658.33

4,243.60

-2,585.27

-60.92%

Others

1.66

45.16

-43.50

-96.32%

Other Income

306.70

730.95

-424.25

-58.04%

Total Income

2,185.06

5,750.10

-3,565.04

-62.0%

Interest Expended

785.47

2,436.82

-1,651.35

-67.77%

Net Interest Income

1,092.89

2,582.33

-1,489.44

-57.68%

Total Expenditure (Excl Depreciation)

884.99

1,961.76

-1,076.77

-54.89%

Employee Cost

469.95

1,044.91

-574.96

-55.02%

Other Operating Expenses

415.04

916.85

-501.81

-54.73%

Operating Profit Before Provisions and Contingencies

514.60

1,351.52

-836.92

-61.92%

Exceptional Items

0.00

Provisions and contingencies

143.85

269.43

-125.58

-46.61%

Profit Before Tax

370.75

1,082.08

-711.33

-65.74%

Tax

88.78

250.21

-161.43

-64.52%

Profit After Tax

281.97

831.87

-549.90

-66.1%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

281.97

831.87

-549.90

-66.1%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

1.45

11.12

-9.67

-86.96%

Diluted Earnings per share

1.43

11.01

-9.58

-87.01%

Operating Profit Margin (Excl OI)

45.23%

55.55%

0.00

-10.32%

Gross Profit Margin

19.74%

21.56%

0.00

-1.82%

PAT Margin

15.01%

16.57%

0.00

-1.56%

Net Interest Margin

8.50%

6.00%

2.50

2.50%

Return on Assets

0.51%

0.45%

0.06

0.06%

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%

Quarterly - Interest Earned

Interest Earned 1878.36 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 7.22% vs 4.14% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 19.39% vs 2.93% in Mar 2025

Quarterly - Net Profit

Net Profit 281.97 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 51.83% vs 52.58% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 238.13% vs -74.70% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 514.60 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 17.01% vs 11.27% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 43.04% vs -30.62% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.43%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.14% vs -0.10% in Dec 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 2.26%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.12% vs -0.07% in Dec 2025

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