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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

1,751.92

1,682.31

1,618.84

1,573.36

1,591.07

1,612.79

1,577.18

Income On Investments

199.43

203.01

211.86

208.70

202.04

201.02

194.07

Interest On Balances With Rbi Other Inter Bank Funds

3.09

4.57

5.99

2.55

4.53

2.53

1.35

Interest / Discount On Advances / Bills

1,547.59

1,472.70

1,398.84

1,359.62

1,381.77

1,405.45

1,378.87

Others

1.81

2.03

2.15

2.49

2.73

3.79

2.89

Other Income

295.48

256.35

248.99

269.69

172.17

207.25

197.09

Total Income

2,047.40

1,938.66

1,867.83

1,843.05

1,763.24

1,820.04

1,774.27

Interest Expended

751.45

760.63

762.89

709.05

704.33

669.02

635.72

Net Interest Income

1,000.47

921.68

855.95

864.31

886.74

943.77

941.46

Total Expenditure (Excl Depreciation)

856.15

782.79

744.46

774.24

699.74

690.22

629.03

Employee Cost

473.81

435.46

411.75

419.61

371.19

368.44

340.25

Other Operating Expenses

382.34

347.33

332.71

354.63

328.55

321.78

288.78

Operating Profit Before Provisions and Contingencies

439.80

395.24

360.48

359.76

359.17

460.80

509.52

Exceptional Items

0.00

Provisions and contingencies

195.34

234.96

224.94

264.50

222.80

150.51

109.85

Profit Before Tax

244.46

160.28

135.54

95.26

136.37

310.29

399.67

Tax

58.74

38.56

32.32

11.87

27.75

77.26

98.59

Profit After Tax

185.72

121.72

103.22

83.39

108.62

233.03

301.08

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

185.72

121.72

103.22

83.39

108.62

233.03

301.08

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

0.96

0.63

0.53

0.43

0.56

1.2

1.56

Diluted Earnings per share

0.94

0.62

0.53

0.43

0.56

1.19

1.53

Operating Profit Margin (Excl OI)

39.98%

39.5%

40.12%

33.98%

42.02%

47.87%

53.15%

Gross Profit Margin

13.95%

9.53%

8.37%

6.05%

8.57%

19.24%

25.34%

PAT Margin

10.6%

7.24%

6.38%

5.3%

6.83%

14.45%

19.09%

Net Interest Margin

8.2%

7.9%

7.7%

8.3%

8.6%

9.2%

9.3%

Return on Assets

1.5%

0.25%

0.21%

0.18%

0.25%

0.55%

0.73%

CASA (%)

0.0%

27.0%

25.5%

25.1%

25.9%

25.6%

CASA Amount

11,535.00

10,783.00

9,381.00

9,612.00

8,663.00

8,833.00

8,335.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

76.0%

73.0%

78.0%

80.0%

78.0%

84.0%

Amount of Gross NPAs

879.39

843.11

834.35

695.89

811.23

749.96

697.24

Amount of Net NPAs

208.08

225.00

226.12

152.43

164.94

164.08

111.24

% of Net NPAs

0.57%

0.67%

0.7%

0.49%

0.56%

0.41%

% of Gross NPAs

2.39%

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

613.0

611.0

610.0

Number of Branches

777.0

766.0

752.0

753.0

752.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2025 is 4.14% vs 3.92% in Sep 2025

Net Profit

QoQ Growth in quarter ended Dec 2025 is 52.58% vs 17.92% in Sep 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is 11.27% vs 9.64% in Sep 2025

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is -0.10% vs -0.03% in Sep 2025

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is -0.06% vs -0.07% in Sep 2025

Compare Quarterly Results Of Ujjivan Small With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,751.92

4,727.47

-2,975.55

-62.94%

Income On Investments

199.43

650.04

-450.61

-69.32%

Interest On Balances With Rbi Other Inter Bank Funds

3.09

23.40

-20.31

-86.79%

Interest / Discount On Advances / Bills

1,547.59

4,016.36

-2,468.77

-61.47%

Others

1.81

37.66

-35.85

-95.19%

Other Income

295.48

723.80

-428.32

-59.18%

Total Income

2,047.40

5,451.26

-3,403.86

-62.44%

Interest Expended

751.45

2,386.20

-1,634.75

-68.51%

Net Interest Income

1,000.47

2,341.27

-1,340.80

-57.27%

Total Expenditure (Excl Depreciation)

856.15

1,849.75

-993.60

-53.72%

Employee Cost

473.81

1,019.01

-545.20

-53.5%

Other Operating Expenses

382.34

830.74

-448.40

-53.98%

Operating Profit Before Provisions and Contingencies

439.80

1,215.31

-775.51

-63.81%

Exceptional Items

0.00

Provisions and contingencies

195.34

331.14

-135.80

-41.01%

Profit Before Tax

244.46

884.17

-639.71

-72.35%

Tax

58.74

216.51

-157.77

-72.87%

Profit After Tax

185.72

667.66

-481.94

-72.18%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

185.72

667.66

-481.94

-72.18%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

0.96

8.94

-7.98

-89.26%

Diluted Earnings per share

0.94

8.87

-7.93

-89.4%

Operating Profit Margin (Excl OI)

39.98%

53.87%

0.00

-13.89%

Gross Profit Margin

13.95%

18.70%

0.00

-4.75%

PAT Margin

10.60%

14.12%

0.00

-3.52%

Net Interest Margin

8.20%

5.70%

2.50

2.50%

Return on Assets

1.50%

0.39%

1.11

1.11%

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

2.39%

2.30%

0.09

0.09%

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%

Quarterly - Interest Earned

Interest Earned 1751.92 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 4.14% vs 3.92% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 10.11% vs 8.19% in Dec 2024

Quarterly - Net Profit

Net Profit 185.72 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 52.58% vs 17.92% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 70.98% vs -63.80% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 439.80 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 11.27% vs 9.64% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 22.45% vs -21.46% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.57%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.10% vs -0.03% in Sep 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 2.39%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.06% vs -0.07% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -0.29% vs 0.50% in Dec 2024