Ujjivan Small Finance Bank quarterly results and financials

Ujjivan Small Finance Bank (UJJIVANSFB)₹60.30−0.28%(9 Nov 2026 close)Other Bank

Key facts

In the Jun 2026 quarter (standalone), Ujjivan Small Finance Bank reported revenue of ₹2,023 Cr, up 25.0% from Jun 2025, and net profit of ₹318 Cr, up 207.9% year on year. For the year to Mar 2026, revenue were ₹6,930 Cr and net profit ₹695 Cr.

Revenue (Jun 2026): ₹2,023 Cr
Net profit (Jun 2026): ₹318 Cr
Revenue (FY Mar 2026): ₹6,930 Cr
Net profit (FY Mar 2026): ₹695 Cr
EPS (Jun 2026): ₹1.62
Borrowings (Mar 2026): ₹3,727 Cr

Company filings, standalone accounts; latest reported quarter Jun 2026

Ujjivan Small Finance Bank quarterly results

₹ crore unless stated; each column is a quarter.

Ujjivan Small Finance Bank Quarterly results
	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	1,390	1,469	1,529	1,578	1,611	1,590	1,573	1,619	1,680	1,752	1,878	2,023
Interest	567	611	595	636	669	704	709	763	760	751	784	838
Net interest income	822	859	933	941	943	886	864	856	920	1,002	1,093	1,185
Expenses	576	650	730	738	840	923	1,040	969	1,017	1,050	1,030	1,022
Financing Profit	249	211	204	204	103	−36.11	−175	−113	−96.34	−51.17	64.22	166
Financing Margin %	18.0%	14.0%	13.0%	13.0%	6.0%	−2.0%	−11.0%	−7.0%	−6.0%	−3.0%	3.0%	8.0%
Other Income	189	185	236	197	207	172	270	249	256	295	307	256
Profit before tax	435	393	439	399	309	136	94.73	136	159	243	370	420
Tax %	25.0%	24.0%	25.1%	25.0%	25.0%	20.0%	12.0%	24.0%	24.0%	24.0%	24.0%	25.1%
Net Profit	328	301	330	302	234	109	83.12	103	122	186	283	318
EPS (Rs)	1.67	1.52	1.67	1.55	1.19	0.55	0.42	0.52	0.62	0.95	1.44	1.62
Gross NPA %	2.4%	2.2%	2.2%	2.5%	2.5%	2.7%	2.2%	2.5%	2.5%	2.4%	2.3%	2.2%
Net NPA %	0.1%	0.2%	0.3%	0.4%	0.6%	0.6%	0.5%	0.7%	0.7%	0.6%	0.4%	0.3%
Provision coverage (approx., excl. write-offs) %	96.2%	92.2%	87.4%	83.7%	77.8%	79.1%	77.5%	72.2%	72.7%	76.1%	81.0%	84.3%

Ujjivan Small Finance Bank profit and loss

₹ crore unless stated; years end in March. TTM is the last four quarters.

Ujjivan Small Finance Bank Profit and loss
	Mar 2017 9m	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	217	1,467	1,831	2,701	2,805	2,812	4,161	5,676	6,354	6,930	7,333
Interest	109	607	725	1,069	1,078	1,038	1,466	2,269	2,716	3,058	3,133
Net interest income	108	861	1,106	1,632	1,727	1,773	2,695	3,407	3,638	3,872	4,200
Expenses	111	922	1,052	1,416	1,945	2,603	1,730	2,397	3,408	3,926	4,120
Financing Profit	−3.01	−61.19	54.21	218	−216	−834	972	1,017	231	−52.18	82.29
Financing Margin %	−1.0%	−4.0%	3.0%	8.0%	−8.0%	−30.1%	23.0%	18.0%	4.0%	−1.0%	1.1%
Other Income	8.99	111	206	322	302	360	589	786	845	1,108	1,114
Depreciation	5.01	41.09	61.14	73.12	77.16	80.19	90.20	98.17	135	145	0.00
Profit before tax	0.99	8.97	199	465	9.97	−549	1,464	1,697	939	909	1,193
Tax %	94.0%	22.0%	0.0%	25.0%	19.0%	−25.0%	25.0%	25.1%	23.0%	24.0%	—
Exceptional items	—	0.00	−1.01	0.00	11.03	−2.01	0.00	−1.01	0.00	−1.01	—
Net Profit	0.00	7.01	199	351	8.02	−416	1,102	1,283	727	695	909
EPS (Rs)	0.00	0.04	1.37	2.01	0.04	−2.39	5.62	6.52	3.74	3.56	4.63
Dividend payout %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	22.0%	6.0%	0.0%	0.0%	—

Ujjivan Small Finance Bank balance sheet

₹ crore, at each year end.

Ujjivan Small Finance Bank Balance sheet
	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	1,439	1,438	1,436	1,724	1,723	1,725	1,950	518	1,932	1,938
Reserves	0.00	6.99	180	1,257	1,286	872	2,049	5,084	4,143	4,861
Deposits	206	3,772	7,372	10,763	13,112	18,273	25,516	31,410	37,603	45,607
Borrowings	6,484	4,045	4,357	4,144	3,438	1,960	2,836	2,166	2,842	3,727
Other Liabilities	297	200	375	488	775	750	925	1,170	1,125	1,315
Total Liabilities	8,426	9,461	13,719	18,375	20,334	23,580	33,276	40,346	47,646	57,447
Fixed Assets	137	193	281	279	275	243	264	394	443	456
CWIP	2.99	3.99	1.99	20.94	4.99	5.99	17.95	31.91	12.96	35.93
Investments	1,451	1,235	1,531	2,403	2,522	4,162	8,530	9,786	11,764	12,761
Other Assets	6,836	8,028	11,905	15,674	17,532	19,170	24,464	30,136	35,426	44,194
Cash & equivalents	220	159	356	1,025	1,523	1,509	2,122	2,318	2,927	2,900
Total Assets	8,426	9,461	13,719	18,375	20,334	23,580	33,276	40,346	47,646	57,447

Ujjivan Small Finance Bank cash flow

₹ crore, for each year.

Ujjivan Small Finance Bank Cash flow
	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	−7,074	2,309	477	242	2,655	2,552	1,058	1,590	2,026	1,840
Cash from investing activity	−161	−101	−148	−757	−1,356	−842	−2,099	−866	−1,795	−2,482
Cash from financing activity	7,912	−2,436	287	774	−705	−1,482	1,185	−518	398	909
Net cash flow	690	−226	619	262	597	231	151	211	636	275
Capex	161	101	149	89.90	57.95	50.94	125	246	167	184
Free cash flow	−7,232	2,209	330	153	2,594	2,501	934	1,346	1,859	1,658
CFO / OP %	−6,672.0%	430.0%	66.0%	27.0%	332.0%	1,230.0%	55.0%	50.0%	78.0%	72.0%

Ujjivan Small Finance Bank ratios

Working-capital days and returns, by year.

Ujjivan Small Finance Bank Ratios
	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	0.0%	0.0%	13.1%	15.0%	0.0%	−15.0%	33.0%	27.1%	12.1%	11.1%

Ujjivan Small Finance Bank: frequently asked questions

What are the latest quarterly results of Ujjivan Small Finance Bank?

For the Jun 2026 quarter, Ujjivan Small Finance Bank reported revenue of ₹2,023 Cr, up 25.0% year on year and net profit of ₹318 Cr, up 207.9% year on year.

What is the annual revenue of Ujjivan Small Finance Bank?

Ujjivan Small Finance Bank's revenue for the year to Mar 2026 were ₹6,930 Cr; over the last twelve months they were ₹7,333 Cr.

What is the net profit of Ujjivan Small Finance Bank?

Net profit for the year to Mar 2026 was ₹695 Cr, and ₹909 Cr over the last twelve months. Earnings per share over the same trailing period were ₹4.63.

What is the free cash flow of Ujjivan Small Finance Bank?

Cash from operations was ₹1,840 Cr in the year to Mar 2026; after capital spending, free cash flow was ₹1,658 Cr.

Loading…