Earnings Release

Ujjivan Small Finance Bank Reports 238% Jump in Q4 Profit

NSE

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BSE

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Ujjivan Small Finance Bank reported strong Q4FY26 performance with PAT rising 238% YoY to Rs. 282 crore, supported by strong loan growth, improving asset quality, and higher margins.

PRICE-SENSITIVE TRIGGER

Event: Q4FY26 & FY26 Financial Results

Type: Earnings Release

Impact: Positive

Immediate Effect: Strong profit growth, improving asset quality, and robust loan growth may support positive investor sentiment

Key Metrics:

Q4FY26 PAT: Rs. 282 crore (+238.2% YoY)
Gross Loan Book: Rs. 40,655 crore (+26.6% YoY)
Deposits: Rs. 45,668 crore (+21.4% YoY)
Highest Ever Quarterly Disbursement: Rs. 9,811 crore
CASA Ratio: 28.6%
NIM: 8.5%
GNPA / NNPA: 2.27% / 0.43%
Capital Adequacy Ratio: 21.1%
RoA / RoE: 2.1% / 17.2%

Highlight:

Ujjivan SFB delivered strong earnings growth with improving margins and asset quality in Q4FY26.

What Happened ?

Ujjivan Small Finance Bank reported strong operational and financial performance for Q4FY26 and FY26.

Key developments:

Loan book grew 26.6% YoY
Deposits crossed Rs. 45,000 crore
Secured loan portfolio increased to 49.4%
Asset quality improved sequentially
NIM expanded to 8.5%
PAT surged 238% YoY

The bank also stated that RBI returned its universal bank transition application and it plans to re-submit after further diversification of its loan portfolio.

key highlights

Business Performance:

Highest-ever quarterly disbursements reached Rs. 9,811 crore.
Secured loan book grew 43.5% YoY.
Collection efficiency improved to 99.8%.
Cost of funds declined by 63 bps YoY.
The bank guided for ~25% loan growth in FY27.
Board approved equity capital raise of up to Rs. 2,000 crore.

Note:

Management expects continued growth momentum supported by improving profitability and asset quality.

Risk Analysis

Key Risks

Credit cost risk
Microfinance sector volatility
Regulatory approval risk for universal banking transition
Geopolitical and inflation-related macro risks

Worst Case Scenario

Any deterioration in asset quality or credit costs could impact profitability momentum.

Risk Level: Medium

Company Commentary

Management highlighted strong execution and improving operating performance.
The bank remains committed to universal banking aspirations.
Ujjivan expects FY27 loan growth of around 25%.
Management expects improved profitability and RoA going forward.

Official Exchange Filing: Ujjivan Small Finance Bank Limited