Ujjivan Small Finance Bank Limited has informed the Exchange regarding a press release dated July 24, 2025, titled "Press Release on the financial performance of the Bank for the quarter ended June 30, 2025".
UJJIVANSFB · price
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Ujjivan Small Finance Bank reported a Q1FY26 profit of ₹103 Crore, up 24% sequentially (QoQ) but largely flat on a yearly basis. Gross loan book grew 11% year-on-year (YoY) to ₹33,287 Crore, with the secured loan share rising to 46% from 31.3% a year ago, reflecting strong 63% YoY growth in secured lending. Deposits grew 19% YoY to ₹38,619 Crore, with CASA (Current and Savings Account) ratio steady at 24.3%. Asset quality saw a mild slippage - GNPA (Gross Non-Performing Assets) rose to 2.5% and NNPA (Net Non-Performing Assets) to 0.7% from 2.2% and 0.5% in the previous quarter. Capital adequacy remains comfortable at 22.8% with LCR (Liquidity Coverage Ratio) at 156%. Management guided for ~20% loan growth, credit cost of 2.3-2.4%, RoA (Return on Assets) of 1.2-1.4% and RoE (Return on Equity) of 10-12% for FY26.
Mixed bag for shareholders: robust loan and deposit growth, improving secured mix, and optimistic FY26 guidance on RoA/Roe are positives, while a slight uptick in NPAs and still-modest current profitability may cap near-term upside. The RBI's reduction in PSL (Priority Sector Lending) requirement from 75% to 60% gives the bank more flexibility to grow higher-yielding secured assets, which is a structural positive.