Ujjivan Small Finance Bank financials

·Banking & FinanceChart ›
Latest results Q2 FY27 · Jul–Sep 2026
Total income
₹2,449cr+26.3% on Q2 FY26
Net interest income
₹1,248cr+35.4% on Q2 FY26
Net profit
₹365cr+199.9% on Q2 FY26
EPS
₹1.87+196.8% on Q2 FY26

Quarterly results

Every quarter ›
₹ croreQ2 FY27Q2 FY26Change
Total income2,4491,939+26.3%
Net interest income1,248922+35.4%
Operating profit594395+50.2%
Net profit365122+199.9%
EPS₹1.87₹0.63+196.8%

Over time

Q2 FY27 · Jul–Sep 2026latest
Total income₹2,449 crNet profit₹365 crNet interest margin8.0%

Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.

Key numbersby financial year

₹ crore except per share
Tap a line for its trendCurrentlast 12MFY26Mar 2026FY25Mar 2025FY24Mar 2024FY23Mar 2023FY22 and earlierAlpha Plus
10,904————
FY22 and earlierEvery year the company has filed comes with Alpha Plus.
7,8096,9316,3545,6774,165
—+9.1%+11.9%+36.3%—
4,5293,8713,6363,4092,698
—+6.5%+6.7%+26.4%—
7.4%7.4%8.3%9.3%9.5%
2,0961,7101,6891,9171,485
1,1496937261,2811,100
—−4.6%−43.3%+16.5%—
₹5.92₹3.57₹3.74₹6.60₹5.66
—−4.6%−43.3%+16.5%—
10.7%10.7%12.4%22.8%—
Balance sheet & asset quality
50,64345,66837,63031,46225,538
44,75339,76131,39026,88321,290
—2.3%2.2%0.0%—
—0.4%0.5%——
Open the chart

From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.

UJJIVANSFB₹56.13

Ujjivan Small Finance Bank Ltd.

· Banking & Finance
₹ CrorePeersEQUITASBNKAUBANKTSFINVTMBSTYLSOUTHBANKSHAREINDIARELIGAREMcap ₹10,904 Cr
HighlightsMultiplesPer ShareAnnuals · FY-end closes
In ₹ Crore except Per Share
12 Months Ending
FY23
31/03/2023
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Current/LTM
TTM · last close
Market Capitalization————10,904.4
Interest Earned4,165.05,677.26,354.46,931.57,808.6
Growth %, YoY—+36.3+11.9+9.1—
Net Interest Income2,697.93,409.53,636.33,871.04,529.1
Growth %, YoY—+26.4+6.7+6.5—
NIM %, on assets9.489.258.257.367.36
Operating Profit (PPOP)1,485.01,917.11,689.21,710.12,096.2
Net Income1,099.91,281.5726.1692.61,149.3
Growth %, YoY—+16.5-43.3-4.6—
EPS, Adj (current shares)5.666.603.743.575.92
Growth %, YoY—+16.5-43.3-4.6—
ROE %—22.8312.4210.7410.74
Balance Sheet & Asset Quality
Deposits25,537.731,462.237,630.545,668.350,643.0
Advances21,289.726,882.931,390.039,760.644,753.3
Gross NPA %—0.022.182.26—
Net NPA %——0.490.43—
Market Cap/EV/multiples pair each (split/bonus-adjusted) FY-end close with the latest filed share count; Current column uses the last close. Market Capitalization is a market-level figure — identical across Consolidated/Standalone (the accounting rows below differ). NPA/CAR sourced from bank-level (standalone) filings. No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · StandaloneFA Financial Analysis · alphave
Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.

Ujjivan Small Finance Bank financials and key ratios

Prices at the previous close · figures from the company's filings with NSE

Ujjivan Small Finance Bank (NSE: UJJIVANSFB) had a market capitalisation of ₹10,951 crore at the previous close (₹56.13 a share), a PE ratio of 9.5 on the last four quarters' profit and a price-to-book ratio of 1.45. In FY26 its standalone net profit was ₹693 crore on net interest income of ₹3,871 crore; in Q2 FY27 (July–September 2026) it was ₹365 crore, up 199.9% year on year. Gross NPAs were 2.10% of advances on 30 September 2026.

Share price used
₹56.13 · previous close
Latest balance sheet
30 September 2026
Shareholding pattern
30 September 2026

Ujjivan Small Finance Bank at a glance · consolidated

Market cap
₹10,951 Crat ₹56.13 · previous close
PE ratio (last 4 quarters)
9.515.8 on FY26 profit
Price to book (PB)
1.45book value ₹38.60 a share
ROE (FY26)
10.7%−1.7 pts vs FY25
Gross NPA
2.10%2.45% in Q2 FY26net NPA 0.31% · Q2 FY27
FII holding
18.03%+1.2 pts vs 30 Jun 2026no promoter group
Net worth
₹7,532 Cr+19.1% vs 30 Sep 202530 September 2026
CET1 ratio
19.49%30 September 2026
EPS (FY26)
₹3.57

Questions

What is the Ujjivan Small Finance Bank PE ratio today?

Ujjivan Small Finance Bank's PE ratio is 9.5 at the previous close (₹56.13 a share): a market capitalisation of ₹10,951 crore divided by consolidated net profit of ₹1,149 crore over the last four quarters (Q3 FY26 to Q2 FY27). On FY26 net profit (₹693 crore) it is 15.8.

What is the Ujjivan Small Finance Bank PB ratio (price to book value)?

Ujjivan Small Finance Bank's price-to-book (PB) ratio is 1.45 at the previous close: a market capitalisation of ₹10,951 crore divided by shareholders' equity (book value) of ₹7,532 crore on 30 September 2026. That is a book value of ₹38.60 per share against a share price of ₹56.13.

What is the Ujjivan Small Finance Bank book value per share?

Ujjivan Small Finance Bank's book value per share was ₹38.60 on 30 September 2026: shareholders' equity of ₹7,532 crore divided by the 195.11 crore shares in issue, up 18.3% from ₹32.64 a year earlier. The share price at the previous close was ₹56.13.

What is the Ujjivan Small Finance Bank market cap?

Ujjivan Small Finance Bank's market capitalisation was ₹10,951 crore at the previous close: 195.11 crore shares at ₹56.13 each.

What is the Ujjivan Small Finance Bank ROE?

In FY26, Ujjivan Small Finance Bank's return on equity (ROE) was 10.7%. ROE is net profit divided by average shareholders' equity (the start and end of the year). In FY25, ROE was 12.4%.

What is the Ujjivan Small Finance Bank EPS?

Ujjivan Small Finance Bank's basic earnings per share (EPS) were ₹3.57 in FY26, against ₹3.75 in FY25. Over the last four quarters (Q3 FY26 to Q2 FY27) they add up to ₹5.91.

What is the Ujjivan Small Finance Bank net worth?

Ujjivan Small Finance Bank's net worth — shareholders' equity in its consolidated balance sheet — was ₹7,532 crore on 30 September 2026, up 19.1% from ₹6,323 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹10,951 crore at the previous close.

What is the Ujjivan Small Finance Bank promoter holding?

Ujjivan Small Finance Bank has no promoter group: on 30 September 2026 promoters held 0% of its shares, according to the shareholding pattern filed with NSE. Foreign portfolio investors held 18.03% and domestic institutions 36.01%.

What is the Ujjivan Small Finance Bank shareholding pattern?

On 30 September 2026, Ujjivan Small Finance Bank's shares were held by foreign portfolio investors (FII/FPI) 18.03%, domestic institutions (DII) 36.01% (including mutual funds at 31.44%) and retail and other non-institutional investors 45.97%. Over the year, FII holding was up 0.99 percentage points from 17.04% and DII holding was up 15.88 percentage points from 20.13%.

What is the Ujjivan Small Finance Bank NPA?

Ujjivan Small Finance Bank's gross non-performing assets (NPAs) were ₹955 crore, 2.10% of gross advances, on 30 September 2026 (2.45% a year earlier). Net NPAs were 0.31% of net advances (0.67% a year earlier).

What is the Ujjivan Small Finance Bank CD ratio (credit-deposit ratio)?

Ujjivan Small Finance Bank's credit-deposit ratio was 88.4% on 30 September 2026: advances divided by deposits, from its standalone balance sheet.

What is the Ujjivan Small Finance Bank capital adequacy ratio?

Ujjivan Small Finance Bank's common equity tier 1 (CET1) ratio was 19.49% on 30 September 2026.

What are the Ujjivan Small Finance Bank deposits and advances?

On 30 September 2026, Ujjivan Small Finance Bank's deposits were ₹50,643 crore, up 29.2% from a year earlier, and its advances (loans) were ₹44,753 crore, up 32.4% from a year earlier.

What are the Ujjivan Small Finance Bank latest quarterly results?

Ujjivan Small Finance Bank's latest results are for Q2 FY27 (July–September 2026), filed on 16 October 2026: standalone net profit ₹365 crore, up 199.9% from ₹122 crore in Q2 FY26; net interest income ₹1,248 crore, up 35.4% year on year.

What is the Ujjivan Small Finance Bank revenue and profit in FY26?

In FY26 (April 2025–March 2026), Ujjivan Small Finance Bank's standalone net profit was ₹693 crore, down 4.6% from ₹726 crore in FY25, on net interest income of ₹3,871 crore (up 6.5%). Over three years, from FY23, net profit was down 37.0%.

When are the Ujjivan Small Finance Bank next results?

Ujjivan Small Finance Bank has reported Q2 FY27. Its next results, for Q3 FY27 (October–December 2026), are due by 14 February 2027 under SEBI's 45-day rule; the company notifies the board-meeting date at least two working days before.

How does Ujjivan Small Finance Bank compare with its peers?

On FY26 consolidated figures, against Equitas Small Finance Bank, AU Small Finance Bank and TSF Investments: Ujjivan Small Finance Bank's return on equity of 10.7% is the second highest of the four (Equitas Small Finance Bank 1.7%, AU Small Finance Bank 14.2%, TSF Investments 9.0%; peer average 8.3%); its return on assets of 1.32% is the third highest of the four (Equitas Small Finance Bank 0.18%, AU Small Finance Bank 1.51%, TSF Investments 8.43%; peer average 3.37%).

Ujjivan Small Finance Bank vs Equitas Small Finance Bank: how do they compare?

In FY26, Ujjivan Small Finance Bank earned net profit of ₹693 crore, against ₹103 crore for Equitas Small Finance Bank. Ujjivan Small Finance Bank's return on equity was 10.7% (Equitas Small Finance Bank 1.7%) and its gross NPA ratio 2.26% (Equitas Small Finance Bank 2.60%).

Where do these Ujjivan Small Finance Bank figures come from?

From Ujjivan Small Finance Bank's own consolidated results, balance sheets and shareholding patterns filed with NSE. Ratios are calculated by Alphave from those filings as each answer describes.

Consolidated figures from the company's filings with NSE; prices are NSE closing prices.