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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

2,024.92

1,878.36

1,751.92

1,682.31

1,618.84

1,573.36

1,591.07

Income On Investments

222.17

216.02

199.43

203.01

211.86

208.70

202.04

Interest On Balances With Rbi Other Inter Bank Funds

8.90

2.35

3.09

4.57

5.99

2.55

4.53

Interest / Discount On Advances / Bills

1,792.11

1,658.33

1,547.59

1,472.70

1,398.84

1,359.62

1,381.77

Others

1.74

1.66

1.81

2.03

2.15

2.49

2.73

Other Income

256.01

306.70

295.48

256.35

248.99

269.69

172.17

Total Income

2,280.93

2,185.06

2,047.40

1,938.66

1,867.83

1,843.05

1,763.24

Interest Expended

837.57

785.47

751.45

760.63

762.89

709.05

704.33

Net Interest Income

1,187.35

1,092.89

1,000.47

921.68

855.95

864.31

886.74

Total Expenditure (Excl Depreciation)

895.30

884.99

856.15

782.79

744.46

774.24

699.74

Employee Cost

503.56

469.95

473.81

435.46

411.75

419.61

371.19

Other Operating Expenses

391.74

415.04

382.34

347.33

332.71

354.63

328.55

Operating Profit Before Provisions and Contingencies

548.06

514.60

439.80

395.24

360.48

359.76

359.17

Exceptional Items

0.00

Provisions and contingencies

127.32

143.85

195.34

234.96

224.94

264.50

222.80

Profit Before Tax

420.74

370.75

244.46

160.28

135.54

95.26

136.37

Tax

104.20

88.78

58.74

38.56

32.32

11.87

27.75

Profit After Tax

316.54

281.97

185.72

121.72

103.22

83.39

108.62

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

316.54

281.97

185.72

121.72

103.22

83.39

108.62

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

1.63

1.45

0.96

0.63

0.53

0.43

0.56

Diluted Earnings per share

1.6

1.43

0.94

0.62

0.53

0.43

0.56

Operating Profit Margin (Excl OI)

49.5%

45.23%

39.98%

39.5%

40.12%

33.98%

42.02%

Gross Profit Margin

20.78%

19.74%

13.95%

9.53%

8.37%

6.05%

8.57%

PAT Margin

15.63%

15.01%

10.6%

7.24%

6.38%

5.3%

6.83%

Net Interest Margin

8.5%

8.2%

7.9%

7.7%

8.3%

8.6%

Return on Assets

0.53%

0.51%

0.37%

0.25%

0.21%

0.18%

0.25%

CASA (%)

37.8%

28.6%

0.0%

27.0%

25.5%

25.1%

CASA Amount

12,930.00

13,061.00

11,535.00

10,783.00

9,381.00

9,612.00

8,663.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

85.0%

81.0%

76.0%

73.0%

78.0%

80.0%

Amount of Gross NPAs

923.65

916.71

879.39

843.11

834.35

695.89

811.23

Amount of Net NPAs

141.66

170.44

208.08

225.00

226.12

152.43

164.94

% of Net NPAs

0.34%

0.43%

0.57%

0.67%

0.7%

0.49%

0.56%

% of Gross NPAs

2.16%

2.26%

2.38%

2.45%

2.52%

2.18%

2.68%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

605.0

612.0

613.0

611.0

Number of Branches

814.0

776.0

777.0

766.0

752.0

753.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Jun 2026 is 7.8% vs 7.22% in Mar 2026

Net Profit

QoQ Growth in quarter ended Jun 2026 is 12.26% vs 51.83% in Mar 2026

Operating Profit (PBDIT)

QoQ Growth in quarter ended Jun 2026 is 6.50% vs 17.01% in Mar 2026

% of Net NPAs

QoQ Growth in quarter ended Jun 2026 is -0.09% vs -0.14% in Mar 2026

% of Gross NPAs

QoQ Growth in quarter ended Jun 2026 is -0.10% vs -0.12% in Mar 2026

Compare Quarterly Results Of Ujjivan Small With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

2,024.92

5,302.74

-3,277.82

-61.81%

Income On Investments

222.17

750.60

-528.43

-70.4%

Interest On Balances With Rbi Other Inter Bank Funds

8.90

23.53

-14.63

-62.18%

Interest / Discount On Advances / Bills

1,792.11

4,510.48

-2,718.37

-60.27%

Others

1.74

18.13

-16.39

-90.4%

Other Income

256.01

689.22

-433.21

-62.86%

Total Income

2,280.93

5,991.96

-3,711.03

-61.93%

Interest Expended

837.57

2,607.24

-1,769.67

-67.88%

Net Interest Income

1,187.35

2,695.50

-1,508.15

-55.95%

Total Expenditure (Excl Depreciation)

895.30

1,949.24

-1,053.94

-54.07%

Employee Cost

503.56

1,063.92

-560.36

-52.67%

Other Operating Expenses

391.74

885.32

-493.58

-55.75%

Operating Profit Before Provisions and Contingencies

548.06

1,435.47

-887.41

-61.82%

Exceptional Items

0.00

Provisions and contingencies

127.32

371.49

-244.17

-65.73%

Profit Before Tax

420.74

1,063.99

-643.25

-60.46%

Tax

104.20

268.03

-163.83

-61.12%

Profit After Tax

316.54

795.95

-479.41

-60.23%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

316.54

795.95

-479.41

-60.23%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

1.63

10.63

-9.00

-84.67%

Diluted Earnings per share

1.60

10.51

-8.91

-84.78%

Operating Profit Margin (Excl OI)

49.50%

56.24%

0.00

-6.74%

Gross Profit Margin

20.78%

20.06%

0.00

0.72%

PAT Margin

15.63%

15.01%

0.00

0.62%

Net Interest Margin

8.50%

5.90%

2.60

2.60%

Return on Assets

0.53%

0.42%

0.11

0.11%

CASA (%)

37.80%

29.00%

8.80

8.80%

CASA Amount

12,930.00

45,400.00

-32,470.00

-71.52%

Capital Adequacy Ratio (Total)

0.00%

0.00

0.00%

Capital Adequacy Ratio (Tier 1)

0.00%

0.00

0.00%

Provision Coverage Ratio (%)

85.00%

0.00

0.00%

Amount of Gross NPAs

923.65

2,948.19

-2,024.54

-68.67%

Amount of Net NPAs

141.66

1,059.62

-917.96

-86.63%

% of Net NPAs

0.34%

0.76%

-0.42

-0.42%

% of Gross NPAs

2.16%

2.10%

0.06

0.06%

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

605.00

778.00

-173.00

-22.24%

Number of Branches

814.00

2,920.00

-2,106.00

-72.12%

Quarterly - Interest Earned

Interest Earned 2024.92 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 7.8% vs 7.22% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 25.08% vs 2.64% in Jun 2025

Quarterly - Net Profit

Net Profit 316.54 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 12.26% vs 51.83% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 206.67% vs -65.72% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 548.06 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 6.50% vs 17.01% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 52.04% vs -29.25% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.34%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.09% vs -0.14% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.36% vs 0.29% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 2.16%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.10% vs -0.12% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.36% vs 0.00% in Jun 2025