Ujjivan Small Finance Bank profitability ratios

Profitability Growth Asset quality Capital Dividend yield

Per cent unless marked ×

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Margins & efficiency
Returns						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	10.7%	10.7%	12.4%	22.8%	—
	1.3%	1.3%	1.7%	3.5%	3.9%
	7.4%	7.4%	8.3%	9.3%	9.5%
	65.7%	65.7%	62.3%	54.3%	54.8%
	2.3%	2.3%	2.6%	0.9%	—
	6.2%	6.2%	6.3%	6.2%	6.3%
	13.8%	13.8%	11.8%	12.2%	12.4%
	87.1%	87.1%	83.4%	85.5%	83.4%
Additional
	24.7%	24.0%	22.9%	24.7%	—
	—	0.0%	39.9%	5.3%	—

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

alphave

UJJIVANSFB₹56.13

Ujjivan Small Finance Bank Ltd.

· Banking & Finance

₹ CrorePeersEQUITASBNK AUBANK TSFINV TMB STYL SOUTHBANK SHAREINDIA RELIGAREMcap ₹10,904 Cr

Profitability Growth Asset Quality Capital Yield Analysis

Ratios — % unless marked × 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Returns
Return on Common Equity	—	22.83	12.42	10.74	10.74
Return on Assets	3.86	3.48	1.65	1.32	1.32
Margins & Efficiency
Net Interest Margin (on assets)	9.48	9.25	8.25	7.36	7.36
Cost to Income	54.82	54.31	62.31	65.65	65.65
Credit Cost (provisions / avg advances)	—	0.89	2.57	2.25	2.25
Operating Expenses / Avg Assets	6.33	6.18	6.34	6.21	6.21
Other Income Share of Total Income	12.39	12.17	11.75	13.78	13.78
Credit-Deposit Ratio	83.37	85.45	83.42	87.06	87.06
Additional
Effective Tax Rate	—	24.71	22.88	23.97	24.72
Dvd Payout Ratio	—	5.33	39.95	0.00	—

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%.