Ujjivan Small Finance Bank Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2025.
UJJIVANSFB · price
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On the reaction day the stock moved 2.9 pts less than Nifty Microcap 250 and 2.4 pts less than its Other Bank peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.
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Ujjivan Small Finance Bank reported Q1FY26 (quarter ended June 30, 2025) results with total income rising 5.3% year-on-year to Rs. 1,867.83 crore from Rs. 1,774.27 crore in Q1FY25. Net profit, however, fell sharply by about 66% YoY to Rs. 103.22 crore from Rs. 301.08 crore, mainly because provisions and contingencies more than doubled to Rs. 224.94 crore from Rs. 109.85 crore. Sequentially, profit after tax improved 23.8% from Rs. 83.39 crore in Q4FY25. Asset quality weakened with Gross NPA at 2.52% (vs 2.18% in Q4FY25) and Net NPA at 0.70% (vs 0.49% in Q4FY25). Capital Adequacy Ratio stood at 22.77% and Return on Assets dropped to 0.21% from 0.73% YoY. The joint statutory auditors (Deloitte Haskins & Sells and Abarna & Ananthan) issued an unmodified review conclusion.
Despite steady top-line growth, the sharp rise in loan provisions and worsening NPA ratios are likely to weigh on investor sentiment. The profit decline, combined with the Universal Banking License application (filed February 2025), may create short-term pressure on the stock, though the strong capital position (22.77% CAR) provides a cushion.