Ujjivan Small Finance Bank Limited has informed the Exchange about Investor Presentation
UJJIVANSFB · price
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Ujjivan Small Finance Bank reported strong Q4FY26 results with PAT of ₹282 crore, up 238% YoY. Net Interest Income grew 30% to ₹515 crore while NIM expanded 20 bps YoY to 8.5% driven by 63 bps improvement in cost of funds (now at 7.0%). The bank achieved 27% YoY growth in gross loan book to ₹40,655 crore with secured advances now comprising 49.4% of the book. Asset quality improved with PAR/NPA at 3.5%/2.3%. Deposits grew 21.4% YoY to ₹45,668 crore with CASA ratio at 28.6%. Return metrics strengthened with RoA at 2.1% and RoE at 17.2%. The bank received RBI response on loan portfolio diversification and plans re-application. Capital adequacy remains healthy at 21.14% with provision coverage of 81%.
The bank delivered robust profitability improvement with strong margin expansion and asset quality enhancement. The shift toward secured lending and deposit growth supports sustainable performance. The RBI recognition of portfolio diversification and healthy capital buffers provide meaningful resilience against geopolitical uncertainties.