Ujjivan Small Finance Bank Limited has informed the Exchange about Transcript
UJJIVANSFB · price
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Ujjivan Small Finance Bank reported strong Q4FY26 results with deposits and loan book each crossing INR 40,000 crores, taking the balance sheet past INR 50,000 crores. Total deposits grew 21.4% YoY to INR 45,668 crores with CASA ratio improving to 28.6%. Gross loan book reached INR 40,655 crores (26.6% YoY growth), with secured portfolio now comprising 49.4% of total book, up from 43.5% last year. NIM improved to 8.5% while credit cost moderated to 2.2% for FY26. Net profit for FY26 stood at INR 693 crores with ROA at 1.4% and ROE at 10.9%. For FY27, management guided for 25% loan growth, credit cost of 1.4-1.5%, and ROA of 1.6%. The Board has approved raising equity capital up to INR 2,000 crores in H2 FY27 to fund medium-term growth. The RBI returned the bank's universal bank license application, advising further diversification of the loan portfolio.
The bank's strong execution with improving NIM, stable asset quality, and clear growth roadmap should support investor confidence. However, the ROA guidance of 1.6% for FY27 represents a compression from the exit Q4 ROA of 2.1%, which investors may find conservative given that management could not clearly explain the P&L impact. The planned INR 2,000 crore capital raise provides growth capital but may have modest dilution impact.