Press release on the financial performance for the quarter and year ended March 31, 2026
UJJIVANSFB · price
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
Ujjivan Small Finance Bank reported strong Q4 FY26 results with loan book growing 26.6% YoY to ₹40,655 Crore, driven by highest-ever quarterly disbursements of ₹9,811 Crore. Profit after tax jumped 238.2% YoY to ₹282 Crore, while Net Interest Margin expanded 20 bps to 8.5%. Asset quality improved significantly with GNPA/NNPA at 2.27%/0.43% and provision coverage ratio at 81%. Deposits grew 21.4% YoY to ₹45,668 Crore with CASA ratio at 28.6%. The bank also received RBI feedback on its universal bank application and plans to re-submit once loan diversification is further demonstrated. Management guided for FY27 GLB growth of around 25% and RoA of around 1.6%, while the board approved an equity capital raise of up to ₹2,000 Crore.
Strong execution with margin improvement and asset quality gains positions the bank well for continued growth. The ₹2,000 Crore capital raise will support growth ambitions while maintaining capital adequacy at 21.1%. The RBI's feedback on universal banking adds a strategic dimension to watch.