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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-recommendationQuarterly Results
Results Snapshot
YoYQoQ
Figures in Cr
Standalone Quarterly Results
Sep'25
Jun'25
Mar'25
Dec'24
Sep'24
Jun'24
Mar'24
Interest Earned
1,682.31
1,618.84
1,573.36
1,591.07
1,612.79
1,577.18
1,528.51
Income On Investments
203.01
211.86
208.70
202.04
201.02
194.07
176.02
Interest On Balances With Rbi Other Inter Bank Funds
4.57
5.99
2.55
4.53
2.53
1.35
2.83
Interest / Discount On Advances / Bills
1,472.70
1,398.84
1,359.62
1,381.77
1,405.45
1,378.87
1,346.25
Others
2.03
2.15
2.49
2.73
3.79
2.89
3.41
Other Income
256.35
248.99
269.69
172.17
207.25
197.09
236.13
Total Income
1,938.66
1,867.83
1,843.05
1,763.24
1,820.04
1,774.27
1,764.64
Interest Expended
760.63
762.89
709.05
704.33
669.02
635.72
594.97
Net Interest Income
921.68
855.95
864.31
886.74
943.77
941.46
933.54
Total Expenditure (Excl Depreciation)
782.79
744.46
774.24
699.74
690.22
629.03
651.11
Employee Cost
435.46
411.75
419.61
371.19
368.44
340.25
327.29
Other Operating Expenses
347.33
332.71
354.63
328.55
321.78
288.78
323.82
Operating Profit Before Provisions and Contingencies
395.24
360.48
359.76
359.17
460.80
509.52
518.56
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
234.96
224.94
264.50
222.80
150.51
109.85
79.00
Profit Before Tax
160.28
135.54
95.26
136.37
310.29
399.67
439.56
Tax
38.56
32.32
11.87
27.75
77.26
98.59
109.93
Profit After Tax
121.72
103.22
83.39
108.62
233.03
301.08
329.63
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
121.72
103.22
83.39
108.62
233.03
301.08
329.63
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)
0.63
0.53
0.43
0.56
1.2
1.56
1.71
Diluted Earnings per share
0.62
0.53
0.43
0.56
1.19
1.53
1.67
Operating Profit Margin (Excl OI)
39.5%
40.12%
33.98%
42.02%
47.87%
53.15%
52.23%
Gross Profit Margin
9.53%
8.37%
6.05%
8.57%
19.24%
25.34%
28.76%
PAT Margin
7.24%
6.38%
5.3%
6.83%
14.45%
19.09%
21.57%
Net Interest Margin
7.9%
7.7%
8.3%
8.6%
9.2%
9.3%
9.4%
Return on Assets
0.25%
0.21%
0.18%
0.25%
0.55%
0.73%
0.84%
CASA (%)
27.0%
27.0%
25.5%
25.1%
25.9%
25.6%
0.0%
CASA Amount
10,783.00
9,381.00
9,612.00
8,663.00
8,833.00
8,335.00
8,334.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
73.0%
73.0%
78.0%
80.0%
78.0%
84.0%
87.0%
Amount of Gross NPAs
843.11
834.35
695.89
811.23
749.96
697.24
612.52
Amount of Net NPAs
225.00
226.12
152.43
164.94
164.08
111.24
76.29
% of Net NPAs
0.67%
0.7%
0.49%
0.56%
0.56%
0.41%
0.28%
% of Gross NPAs
2.45%
2.52%
2.18%
2.68%
2.52%
2.52%
2.23%
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
613.0
613.0
611.0
610.0
610.0
596.0
Number of Branches
766.0
752.0
753.0
753.0
752.0
752.0
752.0
Quarterly Analysis Highlights - QoQ
stock-summary

Interest Earned

QoQ Growth in quarter ended Sep 2025 is 3.92% vs 2.89% in Jun 2025

stock-summary

Net Profit

QoQ Growth in quarter ended Sep 2025 is 17.92% vs 23.78% in Jun 2025

stock-summary

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is 9.64% vs 0.20% in Jun 2025

stock-summary

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is -0.03% vs 0.21% in Jun 2025

stock-summary

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is -0.07% vs 0.34% in Jun 2025

Compare Quarterly Results Of Ujjivan Small With
Markets Mojo
Figures in Cr
Standalone Quarterly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
1,682.31
4,511.28
-2,828.97
-62.71%
Income On Investments
203.01
644.39
-441.38
-68.5%
Interest On Balances With Rbi Other Inter Bank Funds
4.57
29.53
-24.96
-84.52%
Interest / Discount On Advances / Bills
1,472.70
3,786.23
-2,313.53
-61.1%
Others
2.03
51.12
-49.09
-96.03%
Other Income
256.35
712.58
-456.23
-64.03%
Total Income
1,938.66
5,223.87
-3,285.21
-62.89%
Interest Expended
760.63
2,366.87
-1,606.24
-67.86%
Net Interest Income
921.68
2,144.41
-1,222.73
-57.02%
Total Expenditure (Excl Depreciation)
782.79
1,647.28
-864.49
-52.48%
Employee Cost
435.46
918.71
-483.25
-52.6%
Other Operating Expenses
347.33
728.57
-381.24
-52.33%
Operating Profit Before Provisions and Contingencies
395.24
1,209.72
-814.48
-67.33%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
234.96
480.83
-245.87
-51.13%
Profit Before Tax
160.28
728.89
-568.61
-78.01%
Tax
38.56
168.02
-129.46
-77.05%
Profit After Tax
121.72
560.87
-439.15
-78.3%
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
121.72
560.87
-439.15
-78.3%
Face Value
10.00
10.00
0.00
Reserves
0.00
17,399.20
-17,399.20
-100.0%
Earnings per share (EPS)
0.63
7.52
-6.89
-91.62%
Diluted Earnings per share
0.62
7.48
-6.86
-91.71%
Operating Profit Margin (Excl OI)
39.50%
52.83%
0.00
-13.33%
Gross Profit Margin
9.53%
16.16%
0.00
-6.63%
PAT Margin
7.24%
12.43%
0.00
-5.19%
Net Interest Margin
7.90%
5.40%
2.50
2.50%
Return on Assets
0.25%
0.35%
-0.10
-0.10%
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%
Quarterly - Interest Earned
Interest Earned 1682.31 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is 3.92% vs 2.89% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is 4.31% vs 15.93% in Sep 2024

Quarterly - Net Profit
Net Profit 121.72 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is 17.92% vs 23.78% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is -47.77% vs -28.90% in Sep 2024

Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 395.24 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is 9.64% vs 0.20% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is -14.23% vs -4.67% in Sep 2024

Quarterly - % of Net NPAs
% of Net NPAs 0.67%
in Sep 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Sep 2025 is -0.03% vs 0.21% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is 0.11% vs 0.47% in Sep 2024

Quarterly - % of Gross NPAs
% of Gross NPAs 2.45%
in Sep 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Sep 2025 is -0.07% vs 0.34% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is -0.07% vs 0.17% in Sep 2024

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