What the business is, and whether it's a good one at a fair price.
Operates as a Small Finance Bank focused on financial inclusion, earning the bulk of its revenue from Retail banking, which accounted for 85.7% of segment revenue in the YTD period to 31 December 2024. Retail covers micro banking loans to small borrowers, alongside secured products such as gold loans, vehicle loans and agri banking; the secured share of the loan book stood at 50.4% as of Q1 FY27, with gold loans scaling to INR 1,020 crore (up 248.6% YoY). Treasury contributes 11.7% of segment revenue from the bank's investment portfolio, while Wholesale banking at 2.6% covers lending to small and mid-sized businesses. The bank funds itself primarily through deposits, with total deposits at INR 48,129 crore (CASA ratio 26.8%) and a gross loan book of INR 42,903 crore at Q1 FY27. Its cost base is dominated by interest expense on these deposits, and net interest margin was reported at 8.5%. Asset quality is the key swing factor: gross NPA stood at 2.17% with bucket-X collection efficiency at 99.7%, and FY26 credit cost was 2.2% of average gross loan book.
Measured from the filed financials, judged against its Other Bank peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from UJJIVAN SMALL FINANC BANK's filed financials and exchange disclosures
UJJIVAN SMALL FINANC BANK is a Banks company listed on NSE and BSE, trading under the symbol UJJIVANSFB.
Yes. Over the trailing twelve months UJJIVAN SMALL FINANC BANK reported a net profit of ₹906 Cr.
Not in the latest reported year — UJJIVAN SMALL FINANC BANK's dividend payout for FY26 was nil.
No..
On trailing P/E, UJJIVAN SMALL FINANC BANK ranks 3 of 8 in Other Bank — cheaper than 71% of them, against an industry median of 15.4×. This is a position, not a valuation judgement.
On a typical session UJJIVAN SMALL FINANC BANK moves 1.35% — that is the median absolute close-to-close move across its last 269 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by UJJIVAN SMALL FINANC BANK appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
