ALFA Finder| Revenue growth | NII at ₹1,186 Cr; NIM stable at 8.5%. |
|---|---|
| Margins | NIMs stable; cost of funds on downward trajectory at 6.86%. |
| Demand visibility | Strong credit demand; healthy growth in affordable housing and MSME. |
| Management confidence | Confident in raising ROA guidance due to asset quality and cost outlook. |
Growth
Gross loan book grew 28.9% YoY to ₹42,903 Cr; deposits increased 25% YoY to ₹48,129 Cr.
Outlook
Management raised FY27 ROA guidance to 1.8%-2% and targets 56% secured loan mix by March 2027.
Risks
Tight liquidity scenario, potential El Nino impact on agriculture, and competitive intensity in CASA mobilization.
Last quarter's promises, checked
Delivered
- Guided NIM around 8.5% → delivered 8.5% (= BEAT)
- Guided Opex to ATA 6.4% → delivered 6.4% (= BEAT)
- Guided Secured mix ~50% → delivered 50.4% (= BEAT)
Partly delivered
- Guided CASA ratio ~30% → delivered 28.6% (= PARTIAL)
Missed
- Guided ROA 1.6% → delivered 2.2% (= MISS/OVER-PERFORMED)
Investor Presentation filed with BSE, NSE: UJJIVANSFB. Summary written with AI assistance from the document.
Ujjivan Small Finance Bank Ltd: key numbers
- Share price
- ₹61.65
- Market cap
- ₹12,047 Cr
- Revenue (annual)
- ₹6,931 Cr
- Net profit (annual)
- ₹692.6 Cr
- P/E (TTM)
- 10.5×Sector 20.8×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 18.03%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Ujjivan Small Finance Bank Ltd
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Ujjivan Small Finance Bank Management Change
Ujjivan SFB's Head of Internal Audit, Vijayalakshmi Muddu, voluntarily retired effective 30 October 2026. The senior management personnel change is disclosed under SEBI rules.
Ujjivan Small Finance Bank Earnings Call Transcript: Key Takeaways
Ujjivan SFB delivered an all-time high quarterly PAT of INR365 crores (ROA 2.4%). Strategy shifts toward secured assets (52.1% of book) while maintaining strong collection efficiency (99.7%) and robust deposit growth.
Ujjivan Small Finance Bank Annual General Meeting
Ujjivan Small Finance Bank has convened an Extra-ordinary General Meeting on November 13, 2026, to seek shareholder approval for a preferential issue of equity shares.
Ujjivan Small Finance Bank Preferential Issue
Ujjivan SFB filed EGM notice for a preferential issue of 6.32 crore shares at ₹64.73, raising ₹409 crore. Allottees include IFCA, Bajaj Life, ABSL, and HDFC Life.
- Value
- ₹409.0 Cr
Ujjivan Small Finance Bank Fund Raise of ₹249 Cr
Ujjivan Small Finance Bank executed a subscription agreement with IFC for a preferential issue of shares. The transaction involves raising approximately Rs. 249.04 Crore at Rs. 64.73 per share.
- Value
- ₹249.0 Cr