UJJIVANSFB

Ujjivan Small Finance Bank Limited

Small finance bank offering microfinance, MSME loans, gold loans and retail deposits

Financial Services›Financial Services›Banks›Other Bank

ujjivansfb.bank.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹63.25
Market cap
12,340 Cr
Stock P/E
10.7
P/B
1.64
Dividend yield
2.4%
ROE (FY26)
10.2%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Ujjivan SFB (Ujjivan Small Finance Bank) is a bank that lends to lower-income households and small businesses across semi-urban and urban India, through microfinance, affordable-housing, micro-mortgage, small-business, gold and vehicle loans, and funds itself with retail deposits.

Company snapshot

2ndBy market cap

Ranked among 9 companies in Other Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 85.0% of revenue

SegmentRevenue shareRevenuePBTAssets
Retail
85.0%
1,499 Cr114 Cr28,582 Cr
Treasury
12.1%
213 Cr13 Cr14,110 Cr
Wholesale
2.9%
51 Cr22 Cr2,245 Cr

What we see

Positives
  • ✓Cash flow from operations is higher than reported profit — earnings quality looks solid.

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricDec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026Sept 2026
Net Interest Income860 Cr934 Cr941 Cr944 Cr887 Cr864 Cr856 Cr922 Cr1,000 Cr1,093 Cr1,187 Cr1,248 Cr
Other income185 Cr236 Cr197 Cr207 Cr172 Cr270 Cr249 Cr256 Cr295 Cr307 Cr256 Cr296 Cr
Net operating income1,045 Cr1,170 Cr1,139 Cr1,151 Cr1,059 Cr1,134 Cr1,105 Cr1,178 Cr1,296 Cr1,400 Cr1,443 Cr1,544 Cr
Employee cost314 Cr327 Cr340 Cr368 Cr371 Cr420 Cr412 Cr435 Cr474 Cr470 Cr504 Cr512 Cr
Other expenses273 Cr324 Cr289 Cr322 Cr329 Cr355 Cr333 Cr347 Cr382 Cr415 Cr392 Cr438 Cr
Provisions & contingencies63 Cr79 Cr110 Cr151 Cr223 Cr265 Cr225 Cr235 Cr195 Cr144 Cr127 Cr103 Cr
Depreciation————————————
Profit before tax394 Cr440 Cr400 Cr310 Cr136 Cr95 Cr136 Cr160 Cr244 Cr371 Cr421 Cr491 Cr
Tax %23.9%25.0%24.7%24.9%20.3%12.5%23.8%24.1%24.0%23.9%24.8%25.6%
Net profit300 Cr330 Cr301 Cr233 Cr109 Cr83 Cr103 Cr122 Cr186 Cr282 Cr317 Cr365 Cr
EPS (₹)₹1.54₹1.71₹1.56₹1.21₹0.56₹0.43₹0.53₹0.63₹0.96₹1.45₹1.63₹1.87

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income861 Cr1,106 Cr1,634 Cr1,729 Cr1,774 Cr2,698 Cr3,409 Cr3,636 Cr3,871 CrSign in free for the trailing twelve months
Other income111 Cr206 Cr322 Cr311 Cr313 Cr589 Cr787 Cr846 Cr1,108 CrSign in free for the trailing twelve months
Net operating income972 Cr1,312 Cr1,956 Cr2,039 Cr2,087 Cr3,287 Cr4,196 Cr4,482 Cr4,979 CrSign in free for the trailing twelve months
Employee cost——718 Cr749 Cr813 Cr920 Cr1,183 Cr1,499 Cr1,791 CrSign in free for the trailing twelve months
Other expenses——600 Cr481 Cr684 Cr882 Cr1,096 Cr1,294 Cr1,477 CrSign in free for the trailing twelve months
Provisions & contingencies——171 Cr799 Cr1,141 Cr18 Cr215 Cr748 Cr799 CrSign in free for the trailing twelve months
Depreciation—————————Sign in free for the trailing twelve months
Profit before tax——466 Cr10 Cr-550 Cr1,467 Cr1,702 Cr942 Cr911 CrSign in free for the trailing twelve months
Tax %——24.9%18.6%24.7%25.0%24.7%22.9%24.0%Sign in free for the trailing twelve months
Net profit7 Cr199 Cr350 Cr8 Cr-415 Cr1,100 Cr1,281 Cr726 Cr693 CrSign in free for the trailing twelve months
EPS (₹)₹0.05₹1.20₹2.19₹0.05₹-2.40₹5.88₹6.65₹3.75₹3.57Sign in free for the trailing twelve months
Dividend payout %———0.0%—14.3%5.3%39.9%0.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital1,640 Cr1,640 Cr1,728 Cr1,728 Cr1,728 Cr1,955 Cr1,931 Cr1,935 Cr1,943 Cr
Reserves7 Cr180 Cr1,260 Cr1,290 Cr874 Cr2,054 Cr2,003 Cr4,148 Cr4,873 Cr
Borrowings3,853 Cr4,166 Cr3,953 Cr3,247 Cr1,764 Cr2,641 Cr2,171 Cr2,845 Cr3,736 Cr
Other liabilities3,973 Cr7,756 Cr11,470 Cr14,114 Cr19,238 Cr26,666 Cr34,317 Cr38,760 Cr46,990 Cr
Total liabilities9,473 Cr13,742 Cr18,411 Cr20,380 Cr23,604 Cr33,317 Cr40,422 Cr47,689 Cr57,541 Cr
Fixed assets (net)198 Cr284 Cr300 Cr281 Cr249 Cr283 Cr427 Cr457 Cr493 Cr
CWIP—————————
Investments1,232 Cr1,527 Cr2,396 Cr2,516 Cr4,153 Cr8,510 Cr9,766 Cr11,730 Cr12,724 Cr
Loans & advances7,336 Cr10,552 Cr14,044 Cr14,494 Cr16,303 Cr21,290 Cr26,883 Cr31,390 Cr39,761 Cr
Cash & bank250 Cr446 Cr1,225 Cr1,712 Cr1,682 Cr2,305 Cr2,518 Cr3,133 Cr3,110 Cr
Other assets456 Cr932 Cr446 Cr1,378 Cr1,217 Cr929 Cr828 Cr979 Cr1,454 Cr
Total assets9,473 Cr13,742 Cr18,411 Cr20,380 Cr23,604 Cr33,317 Cr40,422 Cr47,689 Cr57,541 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity2,314 Cr478 Cr-426 Cr2,657 Cr2,547 Cr1,060 Cr1,582 Cr2,028 Cr1,843 Cr
Cash from investing-101 Cr-148 Cr-89 Cr-1,356 Cr-841 Cr-2,096 Cr-854 Cr-1,793 Cr-2,481 Cr
Cash from financing-2,439 Cr287 Cr776 Cr-706 Cr-1,484 Cr1,186 Cr-519 Cr398 Cr911 Cr
Net cash flow-225 Cr617 Cr261 Cr595 Cr222 Cr151 Cr210 Cr633 Cr274 Cr
Free cash flow (OCF − Capex)2,213 Cr329 Cr-515 Cr2,599 Cr2,495 Cr934 Cr1,337 Cr1,861 Cr1,660 Cr

Ratios

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %0.4%10.9%11.7%0.3%-15.9%27.4%32.6%11.9%10.2%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA——137 Cr1,071 Cr1,284 Cr631 Cr613 Cr696 Cr917 Cr
Gross NPA %——1.0%7.1%7.3%2.9%0.0%2.2%2.3%
Net NPA——27 Cr425 Cr100 Cr9 Cr76 Cr152 Cr170 Cr
Net NPA %——0.2%2.9%0.6%0.0%0.0%0.5%0.4%
CET1 %——26.2%23.3%16.1%21.5%0.2%0.2%19.7%
Additional Tier 1 %——1.9%1.8%1.6%1.2%0.0%0.0%1.4%
ROA %——2.2%0.0%-2.0%4.0%0.0%0.0%1.4%