Ujjivan Small Finance Bank Limited has informed the Exchange regarding a press release dated May 08, 2026, titled "Press release on financial performance of the Bank for the quarter and year ended March 31, 2026".
UJJIVANSFB · price
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Ujjivan Small Finance Bank reported exceptional Q4FY26 results with net profit at ₹282 crore, surging 238.2% YoY driven by strong loan book growth of 26.6% to ₹40,655 crore. Net Interest Margin expanded 20 basis points to 8.5% due to lower cost of funds at 7.0% (down 63 bps YoY). Asset quality improved with GNPA at 2.27% and NNPA at 0.43%, while provision coverage ratio strengthened to 81%. Deposits grew 21.4% YoY to ₹45,668 crore with CASA ratio at 28.6%. Secured lending now represents 49.4% of the loan book, up from 43.5% YoY, reflecting portfolio diversification. The RBI returned the bank's application for universal banking transition in April 2026, citing need for further portfolio diversification; the bank plans to re-submit. The board has approved an equity capital raise of up to ₹2,000 crore.
Strong all-round performance with 238% PAT growth and improved margins signals operational strength. The board-approved ₹2,000 crore capital raise could dilute existing shareholders but strengthens the balance sheet for future growth and universal bank aspirations.