Ujjivan Small Finance Bank Ltd

Ujjivan Small Finance Bank has allotted 3,27,767 equity shares under ESOP on 11 November 2025. Consequently, the paid-up capital of the Bank has increased from Rs. 19,37,46,39,640 to Rs. 19,37,79,17,310.Powered by Capital Market - Live

Healthcare Global Enterprises Ltd, Time Technoplast Ltd, Sterlite Technologies Ltd and JK Paper Ltd are among the other losers in the BSE's 'A' group today, 21 October 2025.Ujjivan Small Finance Bank Ltd crashed 2.40% to Rs 50 at 14:45 IST.The stock was the biggest loser in the BSE's 'A' group.On the BSE, 8.88 lakh shares were traded on the counter so far as against the average daily volumes of 10.14 lakh shares in the past one month.Healthcare Global Enterprises Ltd lost 2.08% to Rs 718.5. The stock was the second biggest loser in 'A' group.On the BSE, 4874 shares were traded on the counter so far as against the average daily volumes of 13461 shares in the past one month.Time Technoplast Ltd tumbled 1.96% to Rs 220. The stock was the third biggest loser in 'A' group.On the BSE, 39533 shares were traded on the counter so far as against the average daily volumes of 60782 shares in the past one month.Sterlite Technologies Ltd plummeted 1.74% to Rs 115.45. The stock was the fourth biggest loser in 'A' group.On the BSE, 19169 shares were traded on the counter so far as against the average daily volumes of 1.09 lakh shares in the past one month.JK Paper Ltd dropped 1.65% to Rs 396.9. The stock was the fifth biggest loser in 'A' group.On the BSE, 6756 shares were traded on the counter so far as against the average daily volumes of 57165 shares in the past one month.Powered by Capital Market - Live

Net profit of Ujjivan Small Finance Bank declined 47.77% to Rs 121.72 crore in the quarter ended September 2025 as against Rs 233.03 crore during the previous quarter ended September 2024. Total Operating Income rose 4.31% to Rs 1682.31 crore in the quarter ended September 2025 as against Rs 1612.79 crore during the previous quarter ended September 2024. ParticularsQuarter EndedSep. 2025Sep. 2024% Var. Total Operating Income1682.311612.79 4 OPM %39.5047.87 - PBDT160.28310.29 -48 PBT160.28310.29 -48 NP121.72233.03 -48 Powered by Capital Market - Live

Ujjivan Small Finance Bank has allotted 3,11,166 equity shares under ESOP on 07 October 2025. Consequently, the paid-up capital of the Bank has increased from Rs. 19,37,15,27,980 to 19,37,46,39,640.Powered by Capital Market - Live

Ujjivan Small Finance Bank will hold a meeting of the Board of Directors of the Company on 17 October 2025.Powered by Capital Market - Live

Ujjivan Small Finance Bank said its total deposits climbed 14.8% year-on-year and 1.2% sequentially to Rs 39,101 crore, supported by a sharp 22.1% rise in CASA deposits to Rs 10,782 crore. Consequently, the CASA ratio improved to 27.6% from 25.9% a year ago, reflecting stronger retail traction. The credit-to-deposit ratio inched up to 88% in September 2025, compared with 87% in September 2024 and 86% in June 2025. The bank's gross loan book stood at Rs 34,588 crore, marking 14% YoY growth and 3.9% QoQ. The MSME segment surged 69% YoY to Rs 2,559 crore, and housing loans (including micro-mortgages), up 51.3% YoY to Rs 8,749 crore. Gold loans witnessed explosive growth, jumping 564.5% YoY to Rs 412 crore, while vehicle loans rose 150.4% YoY to Rs 656 crore. The bank's secured book now forms 47% of total advances, up sharply from 35% a year earlier. Overall disbursements touched Rs 7,958 crore, a 48% YoY jump and 21.7% QoQ increase, led by strong traction across gold loan, agri banking, MSME and Financial Institutions Group (FIG) portfolios. On the asset quality front, the gross non-performing assets (GNPA) ratio remained stable at 2.46%, compared with 2.51% a year ago, while Portfolio at Risk (PAR) improved to 4.45% from 5.08% in September 2024. Micro banking efficiency remained strong, with collection efficiency at 99.50% in September 2025, up from 99.49% in August and 99.46% in July. Ujjivan Small Finance Bank is a scheduled commercial bank authorised to carry on the business of small finance bank in India. It serves ~97 lakh customers through 754 branches, 613 ATMs/ACRs, spread across 326 districts and 26 states and union territories in India. On a standalone basis, Ujjivan Small Finance Bank's net profit fell 65.72% to Rs 103.22 crore on 5.27% increase in total income to Rs 1,867.83 crore in Q1 June 2025 over Q1 June 2024. Powered by Capital Market - Live

The rally was driven by the bank's strategic roadmap unveiled on 8 September 2025, which aims to grow its gross loan book to Rs 1 lakh crore by FY30 from Rs 33,287 crore in Q1 FY26. The plan includes raising the share of secured lending to 65-70% of the portfolio, up from 46% currently, led by affordable housing, micro mortgages, MSME, vehicle finance, gold, agri, and mid-corporate loans. Micro banking will remain the core foundation. On the liabilities side, retail deposits made up 72% of the deposit base of Rs 38,619 crore in Q1 FY26. CASA stood at Rs 9,381 crore (24.3% of deposits), with a target of 35% by FY30. The bank also plans to expand its branch network from 752 to around 1,150, while deepening cross-sell opportunities and introducing products such as IPO-ASBA, insurance, mutual funds, remittances, and co-branded credit cards. The bank is targeting a cost-to-income ratio of 55% and aims to deliver RoA of 1.8-2.0% and RoE of 16-18% by FY30 through technology adoption, branch productivity gains, and expense rationalisation. Ujjivan reported a capital adequacy ratio of 22.8% in Q1 FY26, with Tier I at 21.2%. The planned shift to secured loans is expected to enhance capital efficiency and support long-term growth without immediate capital raising. CEO Sanjeev Nautiyal said the bank is targeting annual loan book growth of 20-25% and plans to leverage its 97 lakh customer base spread across 26 states and Union Territories. On a standalone basis, Ujjivan Small Finance Bank's net profit fell 65.72% to Rs 103.22 crore on 5.27% increase in total income to Rs 1,867.83 crore in Q1 June 2025 over Q1 June 2024. Powered by Capital Market - Live

The bank plans to raise the share of secured lending to 65-70% of its portfolio from 46% currently, led by growth in affordable housing, micro mortgages, MSME, vehicle finance, gold loans, agri loans, and mid-corporate lending. Micro banking will continue to serve as the foundation. On liabilities, retail deposits formed 72% of the total deposit base of Rs 38,619 crore in Q1 FY26. CASA stood at Rs 9,381 crore (24.3% of deposits), with a target of reaching 35% by FY30. The branch network will be expanded from 752 to around 1,150, with deeper cross-sell and new products including IPO-ASBA, insurance, mutual fund distribution, remittances, and co-branded credit cards. The bank aims to reduce cost-to-income ratio to 55% and deliver RoA of 1.8-2.0% and RoE of 16-18% by FY30 through technology optimisation, branch productivity gains, and expense rationalisation. Ujjivan reported a capital adequacy ratio of 22.8% in Q1 FY26, with Tier I at 21.2%. The shift towards secured loans is expected to enhance capital efficiency and support long-term growth without immediate capital raising. CEO Sanjeev Nautiyal said the bank targets annual loan book growth of 20-25% and plans to leverage its 97 lakh customer base across 26 states and Union Territories. Ujjivan Small Finance Bank is a scheduled commercial bank authorised to carry on the business of small finance bank in India. It serves ~97 lakh customers through 754 branches, 613 ATMs/ACRs, spread across 326 districts and 26 states and union territories in India. On a standalone basis, Ujjivan Small Finance Bank's net profit fell 65.72% to Rs 103.22 crore on 5.27% increase in total income to Rs 1,867.83 crore in Q1 June 2025 over Q1 June 2024. Powered by Capital Market - Live

Net profit of Ujjivan Small Finance Bank declined 65.72% to Rs 103.22 crore in the quarter ended June 2025 as against Rs 301.08 crore during the previous quarter ended June 2024. Total Operating Income rose 2.64% to Rs 1618.84 crore in the quarter ended June 2025 as against Rs 1577.18 crore during the previous quarter ended June 2024. ParticularsQuarter EndedJun. 2025Jun. 2024% Var. Total Operating Income1618.841577.18 3 OPM %40.1253.15 - PBDT135.54399.67 -66 PBT135.54399.67 -66 NP103.22301.08 -66 Powered by Capital Market - Live

Ujjivan Small Finance Bank announced that Umesh Arora, has joined as the Head of Emerging Business of the Bank w.e.f. from today i.e. 10 July 2025.Powered by Capital Market - Live