Ujjivan Small

Why is Ujjivan Small Finance Bank Ltd falling/rising?

As of 18-Aug, Ujjivan Small Finance Bank Ltd's stock price is rising, currently at Rs 72.34, with a year-to-date return of 36.59%. This growth is driven by strong fundamentals, including robust net interest income and profit growth, high institutional holdings, and positive market conditions.

As of 18-Aug, Ujjivan Small Finance Bank Ltd's stock price is rising, currently at Rs 72.34, reflecting a change of 0.15 (0.21%) upward. This positive movement can be attributed to several factors. Over the past week, the stock has increased by 3.12%, significantly outperforming the Sensex, which has declined by 1.18%. In the last month, the stock has shown an impressive gain of 11.64%, while the Sensex has again fallen by 1.17%. Year-to-date, Ujjivan Small Finance Bank Ltd has achieved a remarkable return of 36.59%, compared to a decline of 9.37% in the Sensex.<BR><BR>The stock is also close to its 52-week high, just 1.26% away from Rs 73.25, indicating strong upward momentum. Furthermore, it has outperformed its sector by 0.53% today and is trading above all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which suggests a bullish trend.<BR><BR>The bank's strong long-term fundamentals contribute to its rising stock price. It has demonstrated robust growth in net interest income and net profit, with annual increases of 21.55% and 39.26%, respectively. The bank's capital adequacy ratio of 24.50% provides a solid buffer against risks, enhancing investor confidence. Additionally, the bank has reported positive results for the last two consecutive quarters, with a significant growth in profit after tax (PAT) of 82.8% compared to the previous four-quarter average.<BR><BR>Moreover, high institutional holdings at 50.26% indicate strong confidence from knowledgeable investors, further supporting the stock's upward trajectory. Overall, the combination of strong performance metrics, positive financial results, and favorable market conditions has led to the rising stock price of Ujjivan Small Finance Bank Ltd.

Which are the latest news on Ujjivan Small?

Who are in the management team of Ujjivan Small?

The management team of Ujjivan Small consists of Ittira Davis (Managing Director & CEO), B A Prabhakar (Part Time Chairman), and several independent directors including Samit Ghosh, Rajni Anil Misra, Sudha Suresh, Rajesh Kumar Jogi, Ravichandran Venkataraman, and Anita Ramachandran, along with nominees P N Raghunath and Satyaki Rastogi. This team brings diverse expertise to the company.

The management team of Ujjivan Small includes the following members:<BR><BR>1. **Ittira Davis** - Managing Director & CEO<BR>2. **B A Prabhakar** - Part Time Chairman<BR>3. **Samit Ghosh** - Director<BR>4. **Rajni Anil Misra** - Independent Director<BR>5. **Sudha Suresh** - Independent Director<BR>6. **Rajesh Kumar Jogi** - Independent Director<BR>7. **Ravichandran Venkataraman** - Independent Director<BR>8. **P N Raghunath** - Nominee (RBI)<BR>9. **Satyaki Rastogi** - Nominee<BR>10. **Anita Ramachandran** - Independent Director<BR><BR>This diverse team brings a range of expertise and experience to the company.

What does Ujjivan Small do?

Ujjivan Small Finance Bank Ltd is a small finance bank in India focused on the mass market, operating since 2005 under Ujjivan Financial Services. As of June 2026, it reported net sales of ₹2,024.92 Cr and a net profit of ₹317 Cr, with a market cap of ₹13,858 Cr.

Overview:<BR>Ujjivan Small Finance Bank Ltd is a mass market focused small finance bank in India, operating in the Other Bank industry and categorized as a Small Cap company.<BR><BR>History:<BR>Ujjivan Small Finance Bank Ltd was incorporated as a small finance bank in India, with its promoter, Ujjivan Financial Services Limited (UFSL), commencing operations as a Non-Banking Financial Company (NBFC) in 2005. The latest quarterly results reported are for June 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 2,024.92 Cr (Quarterly Results - Jun 2026)<BR>Most recent Net Profit: 317 Cr (Quarterly Results - Jun 2026)<BR>Market-cap value: INR 13,858 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: N/A<BR>Industry P/E: N/A<BR>Dividend Yield: 0.00%<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 PatelRd New Delhi New Delhi : 110008<BR>Phone: 91-11-30432121<BR>Email: corporatesecretarial@ujjivan.com<BR>Website: http://www.ujjivansfb.in

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. Ujjivan Small shows excellent management, growth, and capital structure, with a leading 1-year return of 66.71%, while Utkarsh Small Finance has the lowest return at -18.81%.

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, while Good management risk is found at Ujjivan Small, Equitas Sma. Fin, Jana Small Finan, and Suryoday Small, and Average management risk is present at Utkarsh Small F., ESAF Small Fin, and Capital Small. Excellent growth is noted at Ujjivan Small, AU Small Finance, Jana Small Finan, and Suryoday Small, while Average growth is found at Equitas Sma. Fin and ESAF Small Fin, and Below Average growth is observed at Utkarsh Small F. and Capital Small. Excellent capital structure is seen at AU Small Finance, Ujjivan Small, Equitas Sma. Fin, and Suryoday Small, while Below Average capital structure is noted at Jana Small Finan, ESAF Small Fin, and Capital Small, and Average capital structure is present at Utkarsh Small F.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Ujjivan Small at 66.71%, while the peer with the lowest is Utkarsh Small F. at -18.81%, indicating that Ujjivan Small significantly outperforms its peers. Additionally, Utkarsh Small F. and Capital Small have negative six-month returns.

How big is Ujjivan Small?

As of 14th August, Ujjivan Small Finance Bank Ltd has a market capitalization of 14,107.43 Cr, categorizing it as a Small Cap company, with total assets of 57,563.85 Cr and shareholder's funds of 6,815.68 Cr. The company reported net sales of 0.00 Cr for the latest quarters, with a net profit of 905.95 Cr over the last four quarters.

As of 14th August, <BR><BR>Market Cap: Ujjivan Small Finance Bank Ltd has a market capitalization of 14,107.43 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: The company reported net sales of 0.00 Cr for the latest quarters, indicating no valid data found for summing. The net profit for the latest four quarters is 905.95 Cr.<BR><BR>Balance Sheet Snapshot: The latest reporting period is March 2026. Shareholder's funds stand at 6,815.68 Cr, while total assets amount to 57,563.85 Cr.

Are Ujjivan Small Finance Bank Ltd latest results good or bad?

Ujjivan Small Finance Bank Ltd's latest results are very positive, with a net profit increase of 206.67% year-on-year and improved asset quality, as evidenced by a decrease in the gross NPA ratio to 2.16%. The bank's strong performance and investor confidence indicate a solid growth trajectory.

Ujjivan Small Finance Bank Ltd's latest results are quite strong and indicate a positive trajectory for the company. In Q1 FY27, the bank reported a net profit of ₹316.54 crores, which marks a remarkable 206.67% increase year-on-year. This is not just a recovery; it reflects a significant strengthening of the bank's earning capacity.<BR><BR>The bank also saw a substantial increase in net interest income, which rose by 38.72% year-on-year to ₹1,187.35 crores. Additionally, the net interest margin remained stable at 8.5%, indicating effective management of lending rates and costs.<BR><BR>One of the most encouraging aspects of the results is the improvement in asset quality. The gross non-performing assets (NPA) ratio decreased to 2.16%, the lowest in seven quarters, showcasing the bank's enhanced credit underwriting and collection processes. The net NPA ratio also improved to 0.34%, reflecting a solid buffer against potential credit losses.<BR><BR>Overall, the bank's performance has exceeded market expectations, with strong credit growth, improved margins, and a significant reduction in non-performing assets. The stock has appreciated 46.35% over the past year, outperforming the broader banking sector, which has seen declines. With institutional holdings at 50.26% and mutual fund participation increasing, investor confidence in Ujjivan Small Finance Bank's turnaround story appears robust. <BR><BR>In summary, the latest results are very positive, highlighting both profitability and improving asset quality, making Ujjivan Small Finance Bank a strong performer in its sector.

Should I buy, sell or hold Ujjivan Small Finance Bank Ltd?

When is the next results date for Ujjivan Small Finance Bank Ltd?

The next results date for Ujjivan Small Finance Bank Ltd is 08 May 2026.

The next results date for Ujjivan Small Finance Bank Ltd is scheduled for 08 May 2026.

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.

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.

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.

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.

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.