What does Ujjivan Small do?

Ujjivan Small Finance Bank Ltd is a mid-cap bank in India focused on the mass market, having transitioned from an NBFC in 2005. As of March 2025, it reported net sales of ₹1,573.36 crore and a net profit of ₹83 crore.

Overview:<BR>Ujjivan Small Finance Bank Ltd is a mass market focused small finance bank in India, operating within the Other Bank industry and classified as a Mid Cap company.<BR><BR>History:<BR>Ujjivan Small Finance Bank Ltd commenced operations as a Non-Banking Financial Company (NBFC) in 2005 and transitioned to a small finance bank. The latest quarterly results reported are for March 2025, showing sales and profit figures.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 1,573.36 Cr (Quarterly Results - Mar 2025)<BR>Most recent Net Profit: 83 Cr (Quarterly Results - Mar 2025)<BR>Market-cap value: Rs 9,179 Cr (Mid Cap)<BR><BR>Key Metrics:<BR>P/E: N/A<BR>Industry P/E: N/A<BR>Dividend Yield: 3.37%<BR>Debt-Equity: N/A<BR>ROE: N/A<BR>Price-to-Book: N/A<BR><BR>Contact Details:<BR>Address: Plot No 2364/8 Khampur Raya, Vil. Shadi Kampur Main Patel Rd New Delhi New Delhi : 110008<BR>Phone: 91-11-30432121<BR>Email: corporatesecretarial@ujjivan.com<BR>Website: http://www.ujjivansfb.in

Who are in the management team of Ujjivan Small?

As of March 2023, the management team of Ujjivan Small includes Ittira Davis (Managing Director & CEO), B A Prabhakar (Part Time Chairman), and several independent directors and nominees, totaling ten members with a diverse governance structure.

As of March 2023, the management team of Ujjivan Small includes the following individuals:<BR><BR>1. Rajni Anil Misra - Independent Director<BR>2. B A Prabhakar - Part Time Chairman<BR>3. Samit Ghosh - Director<BR>4. Sudha Suresh - Independent Director<BR>5. Rajesh Kumar Jogi - Independent Director<BR>6. Ravichandran Venkataraman - Independent Director<BR>7. Ittira Davis - Managing Director & CEO<BR>8. P N Raghunath - Nominee (RBI)<BR>9. Satyaki Rastogi - Nominee<BR>10. Anita Ramachandran - Independent Director<BR><BR>This team comprises a mix of independent directors, a managing director, and nominees, reflecting a diverse governance structure.

Has Ujjivan Small declared dividend?

Yes, Ujjivan Small Finance Bank Ltd has declared a 15% dividend, amounting to ₹1.5 per share, with an ex-date of July 12, 2024. The dividend yield is 3.37%, and the bank has demonstrated strong total returns over various periods, particularly in the long term.

Ujjivan Small Finance Bank Ltd has declared a 15% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 15%<BR>- Amount per share: 1.5<BR>- Ex-date: 12 Jul 24<BR><BR>Dividend Yield: 3.37%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was 34.5% with no dividend return, resulting in a total return of 34.5%.<BR><BR>Over the past year, the price return was -1.32%, the dividend return was 3.01%, leading to a total return of 1.69%.<BR><BR>In the 2-year period, the price return was 28.26%, the dividend return was 5.32%, resulting in a total return of 33.58%.<BR><BR>For the 3-year period, the price return was 190.77%, with a dividend return of 19.42%, culminating in a total return of 210.19%.<BR><BR>In the 4-year period, the price return was 55.94%, the dividend return was 8.56%, leading to a total return of 64.5%.<BR><BR>Over the last 5 years, the price return was 67.26%, with a dividend return of 8.96%, resulting in a total return of 76.22%.<BR><BR>Overall, Ujjivan Small Finance Bank Ltd has shown a commitment to returning value to shareholders through dividends, alongside strong total returns over various periods, particularly notable in the longer term.

Who are the peers of the Ujjivan Small?

Ujjivan Small's peers include AU Small Finance, Equitas Small Finance, Jana Small Finance, Utkarsh Small Finance, ESAF Small Finance, Suryoday Small Finance, and Capital Small Finance. In terms of management risk, growth, and capital structure, AU Small Finance stands out, while Ujjivan Small has good ratings but a 1-year return of -12.11%.

Peers: The peers of Ujjivan Small are AU Small Finance, Equitas Sma. Fin, Jana Small Finan, Utkarsh Small F., ESAF Small Fin, Suryoday Small, and Capital Small.<BR><BR>Quality Snapshot: Excellent management risk is observed at AU Small Finance and Jana Small Finan, while Good management risk is found at Ujjivan Small, Equitas Sma. Fin, Utkarsh Small F., and Capital Small, and Average management risk is present at ESAF Small Fin and Suryoday Small. In terms of Growth, Excellent growth is noted at AU Small Finance, Ujjivan Small, Jana Small Finan, Suryoday Small, and Capital Small, while Average growth is seen at Equitas Sma. Fin and Utkarsh Small F., and Below Average growth is reported at ESAF Small Fin. For Capital Structure, Excellent capital structure is held by AU Small Finance, Ujjivan Small, Equitas Sma. Fin, Utkarsh Small F., and Suryoday Small, while Below Average capital structure is found at Jana Small Finan and Capital Small, and ESAF Small Fin has Below Average capital structure.<BR><BR>Return Snapshot: The peer with the highest 1-year return is AU Small Finance at 12.60%, while the lowest is Utkarsh Small F. at -55.37%. Ujjivan Small's own 1-year return is -12.11%, which is better than Utkarsh Small F. but worse than AU Small Finance. Additionally, the peers with negative six-month returns are Utkarsh Small F., ESAF Small Fin, and Suryoday Small.

Who are the top shareholders of the Ujjivan Small?

The top shareholders of Ujjivan Small include individual investors at 57.16%, Foreign Institutional Investors at 19.51%, and mutual funds holding 4.73%, with Sundaram Mutual Fund A/c Sundaram Small Cap Fund being the largest public shareholder at 3.35%. There are no pledged promoter holdings, and no single promoter has the highest stake.

The top shareholders of Ujjivan Small include a mix of institutional and individual investors. Notably, individual investors hold a significant portion at 57.16%. Foreign Institutional Investors (FIIs) account for 19.51%, with 131 FIIs participating in the shareholding. Mutual funds are represented by 14 schemes, holding a total of 4.73%. Among public shareholders, the largest is Sundaram Mutual Fund A/c Sundaram Small Cap Fund, which holds 3.35%. There are no pledged promoter holdings, and there is no single promoter with the highest holding.

How big is Ujjivan Small?

As of 24th July, Ujjivan Small Finance Bank Ltd has a market capitalization of 9,048.00 Cr and reported a net profit of 528.26 Cr, with shareholder's funds at 6,083.40 Cr and total assets valued at 47,714.24 Cr. There is no valid sales data available for the latest four quarters.

As of 24th July, Ujjivan Small Finance Bank Ltd has a market capitalization of 9,048.00 Cr, categorizing it as a Mid Cap company.<BR><BR>In the latest four quarters, Ujjivan Small Finance Bank Ltd reported net sales of 0.00 Cr, indicating a lack of valid sales data. The net profit for the same period was 528.26 Cr.<BR><BR>The latest reporting period for the balance sheet is March 2025. Shareholder's funds stood at 6,083.40 Cr, while total assets were valued at 47,714.24 Cr.

Is Ujjivan Small technically bullish or bearish?

As of October 6, 2025, Ujjivan Small's technical trend has shifted to bullish, supported by strong MACD indicators and a year-to-date return of 44.74%, despite some mixed signals in the short term.

As of 6 October 2025, the technical trend for Ujjivan Small has changed from mildly bullish to bullish. The current stance is bullish with strong indicators supporting this view. The MACD is bullish on both the weekly and monthly time frames, and the daily moving averages also indicate a bullish trend. While the Bollinger Bands show a bullish signal on the weekly chart, they are sideways on the monthly, suggesting some consolidation. The KST is mildly bearish on the weekly but bullish on the monthly, indicating mixed signals in the short term. Dow Theory reflects a mildly bullish stance on both weekly and monthly charts. Overall, the strength of the bullish trend is reinforced by the stock's strong performance relative to the Sensex over various periods, particularly with a year-to-date return of 44.74% compared to 4.67% for the index.

When is the next results date for Ujjivan Small?

The next results date for Ujjivan Small is 17 October 2025.

The next results date for Ujjivan Small is scheduled for 17 October 2025.

Are Ujjivan Small latest results good or bad?

Ujjivan Small Finance Bank's latest results show a net profit increase of 17.93% quarter-on-quarter, but a significant year-on-year decline of 47.77%, alongside rising asset quality concerns and a below-average return on equity, indicating a challenging financial environment. Investors should remain cautious and watch for future improvements.

Ujjivan Small Finance Bank's latest results present a mixed picture. On one hand, the bank reported a net profit of ₹121.72 crore for Q2 FY26, which is a sequential improvement of 17.93% from the previous quarter. However, this figure represents a significant year-on-year decline of 47.77%, indicating substantial challenges in profitability.<BR><BR>Interest earned showed a positive trend, growing by 3.92% quarter-on-quarter to ₹1,682.31 crore, which is encouraging. Yet, the overall financial performance is overshadowed by deteriorating asset quality, with the net NPA ratio rising to 0.67% from 0.56% a year ago, and the provision coverage ratio declining to 73%. This suggests increasing credit stress and potential future provisioning needs.<BR><BR>Additionally, the return on equity (ROE) of 8.81% is below sector averages, reflecting inefficiencies in capital utilization. The reliance on non-core income, which constituted a large portion of profit before tax, raises concerns about the sustainability of earnings.<BR><BR>In summary, while there are some positive indicators, the overall results indicate significant operational headwinds and a challenging environment for Ujjivan, making the latest performance more negative than positive. Investors should be cautious and monitor upcoming results for signs of improvement in profitability and asset quality.

How has been the historical performance of Ujjivan Small?

Ujjivan Small has shown significant growth in income and assets from Mar'20 to Mar'25, with total income rising to 7,200.59 Cr and total assets increasing to 47,714.24 Cr. However, profitability metrics, including profit before tax and profit after tax, declined in Mar'25 compared to the previous year.

Answer:<BR>The historical performance of Ujjivan Small shows a significant growth trajectory in various financial metrics over the years.<BR><BR>Breakdown:<BR>Ujjivan Small's interest earned increased from 2,703.60 Cr in Mar'20 to 6,354.39 Cr in Mar'25, reflecting a strong upward trend. The net interest income also rose from 1,106.41 Cr in Mar'19 to 3,636.27 Cr in Mar'25, indicating improved profitability. However, the profit before tax peaked at 1,702.17 Cr in Mar'24 but dropped to 941.57 Cr in Mar'25, while profit after tax followed a similar pattern, decreasing from 1,281.50 Cr in Mar'24 to 726.10 Cr in Mar'25. The total income grew from 2,037.57 Cr in Mar'19 to 7,200.59 Cr in Mar'25, showcasing robust revenue generation. On the expenditure side, total expenditure (excluding depreciation) rose from 1,003.35 Cr in Mar'19 to 2,793.24 Cr in Mar'25. Ujjivan's total assets increased significantly from 18,421.37 Cr in Mar'20 to 47,714.24 Cr in Mar'25, while total liabilities also grew from 18,421.37 Cr to 47,714.23 Cr in the same period. The cash and cash equivalents improved from 1,338.00 Cr in Mar'20 to 3,156.00 Cr in Mar'25, indicating a healthy liquidity position. Overall, Ujjivan Small has demonstrated substantial growth in income and assets, although profitability metrics showed volatility in the most recent year.

Should I buy, sell or hold Ujjivan Small?

Is Ujjivan Small overvalued or undervalued?

As of October 17, 2025, Ujjivan Small is considered very expensive and overvalued with a PE ratio of 22.65, higher than its peers HDFC Bank and ICICI Bank, despite strong year-to-date returns of 44.36%.

As of 17 October 2025, the valuation grade for Ujjivan Small has moved from expensive to very expensive, indicating a significant shift in its market perception. The company is currently deemed overvalued based on its financial metrics. Key ratios include a PE ratio of 22.65, a price to book value of 1.58, and a return on equity (ROE) of 6.96%. <BR><BR>In comparison to its peers, HDFC Bank has a PE of 22.22 and ICICI Bank has a PE of 20.98, both suggesting that Ujjivan Small's valuation is higher than that of its competitors. Additionally, while Ujjivan Small has shown strong year-to-date returns of 44.36% compared to the Sensex's 7.44%, the overall valuation metrics indicate that the stock is not justified at its current price level.

Which are the latest news on Ujjivan Small?

Why is Ujjivan Small falling/rising?

As of 17-Dec, Ujjivan Small Finance Bank Ltd's stock price is rising, currently at Rs 54.31, reflecting a 0.78% increase. This rise is driven by strong financial metrics, positive market performance, and high institutional confidence, with the stock significantly outperforming the Sensex year-to-date.

As of 17-Dec, Ujjivan Small Finance Bank Ltd's stock price is rising, currently at Rs 54.31, reflecting an increase of 0.42 (0.78%). This upward movement is supported by several positive factors. Over the past week, the stock has increased by 2.07%, significantly outperforming the Sensex, which only rose by 0.20%. In the last month, the stock has also shown a gain of 1.00%, while the Sensex has declined by 0.46%. Year-to-date, Ujjivan Small Finance Bank has delivered an impressive return of 60.82%, compared to the Sensex's 8.22%.<BR><BR>The stock is currently trading close to its 52-week high, just 3.66% away from Rs 56.3, indicating strong investor interest. Additionally, it is trading above all its moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which is a bullish signal. Furthermore, the bank's strong lending practices are highlighted by a low Gross NPA ratio of 2.45% and a high Capital Adequacy Ratio of 24.50%, suggesting robust financial health and risk management.<BR><BR>Moreover, the stock has shown high institutional holdings at 37.18%, which have increased by 0.8% over the previous quarter, indicating confidence from more sophisticated investors. Despite a recent decline in delivery volume by 20.45% against the 5-day average, the overall market performance and strong fundamentals contribute to the stock's rising trend. Thus, the combination of strong financial metrics, positive market performance, and institutional confidence are key reasons for the rise in Ujjivan Small Finance Bank's stock price.