Ujjivan Small Finance Bank cash flow

Latest FY26
Cash from operations
₹1,843cr−9.1% on FY25
Cash from investing
−₹2,481cr−₹1,793 cr in FY25
Cash from financing
₹911cr+128.8% on FY25
Capital spending
₹184cr+9.8% on FY25
₹ crore except per share
Tap a line for its trendLast 12Mto Sep 2026FY26Mar 2026FY25Mar 2025FY24Mar 2024FY23Mar 2023FY22 and earlierAlpha Plus
Adjustments to reconcile profit — non-cash items
FY22 and earlierEvery year the company has filed comes with Alpha Plus.
—180135122—
—19.117.311.6—
—799770226—
—−39.722.3−22.1—
—1.00.51.5—
Changes in working capital
—−7,822−5,610−6,272—
—−78.0−89.7−440−107
—8,0386,1686,096—
—153−68.4206—
—290400−410—
Cash from operating activities
1,5279119421,7021,467
—1,2501,345−70.4—
—2,1612,2871,632—
—31825849.3280
—1,8432,0281,582—
—1,8432,0281,5821,060
Cash from investing activities
—184167246125
—1.71.82.20.9
—2,2991,6280.0—
—0.00.0−611—
—−2,481−1,793−854—
—−2,481−1,793−854−2,096
Cash from financing activities
—20.713.820.3—
—8916750.0878
—0.00.0471—
—0.029068.3—
—911398−519—
—911398−5191,186
—274633210151
—274633210151
—3,4313,1572,5242,314
Reference items
1,6601,6601,8611,337934
₹8.54₹8.54₹9.58₹6.88₹4.81
6.57×————
—2.66×2.79×1.23×0.96×
—31825849.3280
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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
View
In ₹ Crore except Per Share
12 Months Ending
FY23
31/03/2023
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Last 12M
30/09/2026
Adjustments to Reconcile Profit — Non-cash Items
+ Depreciation & Amortisation—122.4134.7180.2—
+ Share-based Payments—11.617.319.1—
+ Other Non-cash Items—225.9769.7798.9—
+ Other — Cash Effects are Investing / Financing—-22.122.3-39.7—
+ Other Reconciling Items—1.50.51.0—
Changes in Working Capital
+ Trade Receivables—-6,271.9-5,609.8-7,822.1—
+ Other Current Assets-106.5-439.7-89.7-78.0—
+ Trade Payables—6,095.86,168.38,037.9—
+ Other Current Liabilities—205.9-68.4152.6—
Total Working Capital Changes—-409.8400.4290.4—
Cash from Operating Activities
Profit Before Tax (per I/S)1,467.21,702.2941.6911.01,526.7
+ Total Adjustments (incl. Working Capital)—-70.41,345.01,249.8—
Cash from Operations (pre-tax)—1,631.82,286.62,160.9—
+ Income Taxes Paid280.449.3258.4317.7—
Cash from Operating — before Extraordinary Items—1,582.52,028.21,843.2—
Cash from Operating Activities1,059.81,582.52,028.21,843.2—
Cash from Investing Activities
+ Acq of Fixed Assets (Capex)125.4245.7167.2183.6—
+ Disp of Fixed Assets0.92.21.81.7—
+ Purchase of Investments (Equity / Debt)—0.01,628.02,298.8—
+ Other Inflows / (Outflows) — Investing—-610.60.00.0—
Cash from Investing — before Extraordinary Items—-854.2-1,793.4-2,480.7—
Cash from Investing Activities-2,095.7-854.2-1,793.4-2,480.7—
Cash from Financing Activities
+ Proceeds from Issue of Shares (unclassified)—20.313.820.7—
+ Proceeds from Borrowings877.90.0674.6890.7—
+ Repayment of Borrowings—470.60.00.0—
+ Dividends Paid—68.3290.10.0—
Cash from Financing — before Extraordinary Items—-518.7398.3911.4—
Cash from Financing Activities1,186.4-518.7398.3911.4—
Net Changes in Cash (pre-FX)150.5209.6633.0273.9—
Net Changes in Cash150.5209.6633.0273.9—
Closing Cash2,313.72,524.03,157.03,430.8—
Reference Items
Free Cash Flow (CFO − Capex)934.41,336.81,861.01,659.61,659.6
Free Cash Flow per Basic Share4.816.889.588.548.54
Price to Free Cash Flow————6.57
Cash Flow to Net Income0.961.232.792.66—
Cash Paid for Taxes280.449.3258.4317.7—
As filed, sign as filed: a payment tagged as a positive magnitude in the filing stays positive here, so read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown — depth follows the filer, so a thin statement means a thin filing. Total Adjustments is the filer's own grand total of the reconciliation and spans BOTH the non-cash items and the working-capital block; Profit Before Tax plus it equals Cash from Operations (pre-tax). It can be reported when its components are not, so it is never a sum of the rows above it. No consensus estimates → no Est columns. Click any row to chart it.
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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%.