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Ujjivan Small Finance Bank Ltd

Ujjivan Small Finance Bank Ltd

UJJIVANSFB Share Price

NSE
71.571.20% (+0.85)
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With a market cap of ₹13,760 cr, stock is ranked 482

Stock is 2.90x as volatile as Nifty

UJJIVANSFB Stock Scorecard

Performance

Avg

Price return has been average, nothing exciting

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

High

Showing good signs of profitability & efficiency

Entry point

Avg

The stock is overpriced but is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹13,760 cr, stock is ranked 482

Stock is 2.90x as volatile as Nifty

UJJIVANSFB Performance & Key Metrics

UJJIVANSFB Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
15.192.02
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
16.162.121.18%

UJJIVANSFB Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
100%
Analysts have suggested that investors can buy this stock

from 19 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

UJJIVANSFB Company Profile

Ujjivan Small Finance Bank is a commercial bank specializing in catering to unserved and underserved segments.

Investor Presentation

View older View older 

Jul 23, 2026

PDF
View Older Presentations

UJJIVANSFB Similar Stocks (Peers)

Compare with peers Compare with peers 

UJJIVANSFB Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
15.05
15.05
1Y Return
26.36%
26.36%
Buy Reco %
97.50
97.50
PE Ratio
18.96
18.96
1Y Return
2.87%
2.87%
Buy Reco %
100.00
100.00
PE Ratio
19.84
19.84
1Y Return
2.20%
2.20%
Buy Reco %
81.08
81.08
PE Ratio
14.47
14.47
1Y Return
14.33%
14.33%
Buy Reco %
94.87
94.87
PE Ratio
9.92
9.92
1Y Return
8.47%
8.47%
Buy Reco %
0.00
0.00
Compare with Peers

UJJIVANSFB Sentiment Analysis

UJJIVANSFB Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

UJJIVANSFB Stock Summary · May 2026

Management framed the quarter as one of profitable, calibrated expansion, highlighting FY26 total income of INR 8,039 crore and an improved NIM of about 8.5% as evidence of momentum. They emphasized a deliberate strategic pivot toward higher‑yield and secured lending — with secured advances rising to 49.4% and a target a little above 56% this year — while continuing broad‑based loan growth (gross loans +26.6% YoY) and record Q4 disbursements; microbanking growth and new retail products were cited as key yield drivers. At the same time they acknowledged tension between growth and near‑term returns, noting planned investments in branches, digital/AI and hires that will raise operating expenses by 20–30 bps of ATA and compress ROA by roughly 50 bps. Liquidity and funding were described as healthy with deposits up 21% YoY and CASA improving toward management’s ~29%–30% goal. Near term, management reiterated NIM guidance around Q4 exit levels (~8.4%–8.5%), a planned equity raise of up to INR 2,000 crore in H2 to fund expansion, and a deliberate, conditional approach to the universal‑bank reapplication.

UJJIVANSFB Stock Growth Drivers
UJJIVANSFB Stock Growth Drivers
8
  • Scale expansion and sustained origination momentum

    Ujjivan SFB achieved meaningful scale gains during FY26, with the gross loan book rising to

  • Deposit franchise strength and comfortable liquidity

    The bank strengthened its deposit base and liquidity profile with total deposits of INR45,668 crore

UJJIVANSFB Stock Challenges
UJJIVANSFB Stock Challenges
7
  • Macroeconomic and inflation downside risks

    The macro outlook contains several material downside risks that could adversely affect demand, margins and

  • Near‑term profitability compression driven by planned investments and prudential buffers

    Management has guided a reduction in return on assets from roughly 2.0% to about 1.6%

UJJIVANSFB Forecast

UJJIVANSFB Forecasts

Price

Revenue

Earnings

UJJIVANSFB

UJJIVANSFB

Income

Balance Sheet

Cash Flow

UJJIVANSFB Income Statement

UJJIVANSFB Income Statement

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Quartermar 2024jun 2024sep 2024dec 2024mar 2025jun 2025sep 2025dec 2025mar 2026jun 2026
Total Revenue1,764.641,774.271,820.041,763.241,843.051,867.831,938.662,047.402,185.062,280.93
Operating & Other expensessubtract1,325.081,374.601,509.751,626.871,747.791,732.291,778.381,802.941,814.311,860.19
Depreciation/Amortizationsubtract0.000.000.000.000.000.000.000.000.000.00
Interest & Other Itemssubtract0.000.000.000.000.000.000.000.000.000.00
Taxes & Other Itemssubtract109.9398.5977.2627.7511.8732.3238.5658.7488.78104.20
EPS1.711.561.210.560.430.530.630.961.451.63

UJJIVANSFB Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2027FY 2027

Annual Report Pending

Investor Presentation

Jul 23PDF
FY 2026FY 2026

Annual report

PDF

Investor Presentation

May 8PDF
Jan 22PDF
Oct 17PDF
+2 more
FY 2025FY 2025

Annual report

PDF

Investor Presentation

Jun 11PDF
FY 2024FY 2024

Annual report

PDF

Investor Presentation

Jul 27PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

May 11PDF
FY 2022FY 2022

Annual report

PDF
FY 2021FY 2021

Annual report

PDF
FY 2020FY 2020

Annual report

PDF

Investor Presentation

May 20PDF
 

UJJIVANSFB Stock Peers

UJJIVANSFB Past Performance & Peer Comparison

UJJIVANSFB Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsPrivate Banks

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Ujjivan Small Finance Bank Ltd19.872.02
HDFC Bank Ltd15.051.882.09%
ICICI Bank Ltd18.962.710.84%
Kotak Mahindra Bank Ltd19.842.110.17%

UJJIVANSFB Stock Price Comparison

Compare UJJIVANSFB with any stock or ETF
Compare UJJIVANSFB with any stock or ETF
UJJIVANSFB
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UJJIVANSFB Holdings

UJJIVANSFB Shareholdings

UJJIVANSFB Promoter Holdings Trend

UJJIVANSFB Promoter Holdings Trend

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

UJJIVANSFB Institutional Holdings Trend

UJJIVANSFB Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

UJJIVANSFB Shareholding Pattern

UJJIVANSFB Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding0.00%28.50%4.95%16.81%49.74%

Sep 2025

Dec 2025

Mar 2026

Jun 2026

UJJIVANSFB Shareholding History

UJJIVANSFB Shareholding History

MarJunSepDec '25MarJun19.51%19.56%17.04%15.45%17.23%16.81%

Mutual Funds Invested in UJJIVANSFB

Mutual Funds Invested in UJJIVANSFB

No mutual funds holding trends are available

Top 5 Mutual Funds holding Ujjivan Small Finance Bank Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
1.5439%1.14%0.51%58/82 (+13)
1.4412%0.72%0.21%121/149 (+2)
1.2085%1.19%-0.04%65/95 (-5)

Compare 3-month MF holding change on Screener

UJJIVANSFB Insider Trades & Bulk Stock Deals

UJJIVANSFB Insider Trades & Bulk Stock Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases containing UJJIVANSFB stock

smallcases containing UJJIVANSFB stock

Looks like this stock is not in any smallcase yet.

UJJIVANSFB Events

UJJIVANSFB Events

UJJIVANSFB Dividend Trend

No dividend trend available

Dividends

Corp. Actions

Announcements

Legal Orders

UJJIVANSFB Dividend Trend

No dividend trend available

UJJIVANSFB Upcoming Dividends

UJJIVANSFB Upcoming Dividends

No upcoming dividends are available

UJJIVANSFB Past Dividends

UJJIVANSFB Past Dividends

Cash Dividend

Ex DateEx DateJul 12, 2024

Final
Final | Div/Share: ₹1.50

Dividend/Share

1.50

Ex DateEx Date

Jul 12, 2024

Cash Dividend

Ex DateEx DateJul 14, 2023

Final
Final | Div/Share: ₹0.50

Dividend/Share

0.50

Ex DateEx Date

Jul 14, 2023

Cash Dividend

Ex DateEx DateMar 1, 2023

Interim
Interim | Div/Share: ₹0.75

Dividend/Share

0.75

Ex DateEx Date

Mar 1, 2023

UJJIVANSFB Stock News & Opinions

UJJIVANSFB Stock News & Opinions

Earnings
Earnings
Ujjivan Small Finance Bank standalone net profit rises 206.67% in the June 2026 quarter

Net profit of Ujjivan Small Finance Bank rose 206.67% to Rs 316.54 crore in the quarter ended June 2026 as against Rs 103.22 crore during the previous quarter ended June 2025. Total Operating Income rose 25.08% to Rs 2024.92 crore in the quarter ended June 2026 as against Rs 1618.84 crore during the previous quarter ended June 2025. ParticularsQuarter EndedJun. 2026Jun. 2025% Var. Total Operating Income2024.921618.84 25 OPM %49.5040.12 - PBDT420.74135.54 210 PBT420.74135.54 210 NP316.54103.22 207 Powered by Capital Market - Live

4 days agoCapital Market - Live
Corporate
Corporate
Ujjivan Small Finance Bank to convene board meeting

Ujjivan Small Finance Bank will hold a meeting of the Board of Directors of the Company on 23 July 2026.

3 weeks agoCapital Market - Live
Corporate
Corporate
Ujjivan Small Finance Bank to convene AGM

Ujjivan Small Finance Bank announced that the Annual General Meeting(AGM) of the bank will be held on 24 July 2026.

3 weeks agoCapital Market - Live
Corporate
Corporate
Ujjivan Small Finance Bank allots 8.15 lakh equity shares under ESOP

Ujjivan Small Finance Bank has allotted 8,15,797 equity shares under ESOP. Consequently, the paid-up capital of the Bank has increased from Rs. 19,44,43,99,940 to 19,45,25,57,910.

1 month agoCapital Market - Live
Corporate
Corporate
Board of Ujjivan Small Finance Bank approves fund raising up to Rs 2,000 cr via equity route

The board of  Ujjivan Small Finance Bank at its meeting held on 08 May 2026 has approved raising of funds up to Rs 2,000 crore  in one or more tranches and/or one or more issuances simultaneously or otherwise, by way of an issue of fully paid-up equity shares, through one or more permissible modes, including but not limited to preferential issue(s), private placement(s), qualified institutions placement(s) and/or any combination thereof or any other method.

2 months agoCapital Market - Live
Earnings
Earnings
Ujjivan Small Finance Bank standalone net profit rises 238.13% in the March 2026 quarter

Net profit of Ujjivan Small Finance Bank rose 238.13% to Rs 281.97 crore in the quarter ended March 2026 as against Rs 83.39 crore during the previous quarter ended March 2025. Total Operating Income rose 19.39% to Rs 1878.36 crore in the quarter ended March 2026 as against Rs 1573.36 crore during the previous quarter ended March 2025. For the full year,net profit declined 4.61% to Rs 692.63 crore in the year ended March 2026 as against Rs 726.10 crore during the previous year ended March 2025. Total Operating Income rose 9.08% to Rs 6931.45 crore in the year ended March 2026 as against Rs 6354.39 crore during the previous year ended March 2025. ParticularsQuarter EndedYear EndedMar. 2026Mar. 2025% Var.Mar. 2026Mar. 2025% Var. Total Operating Income1878.361573.36 19 6931.456354.39 9 OPM %45.2333.98 -41.3244.28 - PBDT370.7595.26 289 911.03941.57 -3 PBT370.7595.26 289 911.03941.57 -3 NP281.9783.39 238 692.63726.10 -5 Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Corporate
Ujjivan Small Finance Bank to conduct board meeting

Ujjivan Small Finance Bank will hold a meeting of the Board of Directors of the Company on 8 May 2026.

2 months agoCapital Market - Live
Spotlight
Spotlight
Ujjivan Small Finance Bank slips after RBI rejects universal bank application

In its communication dated 13 April 2026, the RBI acknowledged the bank's progress in diversifying its loan portfolio but noted that further improvement is required. The regulator has advised the bank to reapply once it demonstrates a more diversified loan mix. The development delays Ujjivan's plans to transition into a universal bank, a move that would have allowed it to expand its product offerings and scale operations beyond the small finance bank framework. Ujjivan Small Finance Bank is a Scheduled Commercial Bank serving ~99.6 lakh customers through 777 branches across 339 districts in 26 states and Union Territories, supported by robust digital channels. The bank offers a diversified portfolio spanning across affordable housing, MSME, agri, vehicle, gold, micro-mortgage, FIG, and microfinance (group and individual) loans. As of 31 December 2025, Ujjivan's gross loan book stood at Rs 37,057 crore, with deposits of Rs 42,223 crore and a net worth of Rs 6,519 crore. On a standalone basis, the bank's net profit surged 70.98% to Rs 185.72 crore on 16.12% increase in total income to Rs 2,047.40 crore in Q3 December 2025 over Q3 December 2024.

3 months agoCapital Market - Live
Corporate
Corporate
Ujjivan Small Finance Bank receives affirmation in credit ratings from CARE

Ujjivan Small Finance Bank has received reaffirmation in credit ratings from CARE Ratings at CARE AA-; Stable for facilities including long-term bank facilities (Rs 500 crore), subordinated non-convertible debentures (Rs 500 crore) and fixed deposits (Rs 10,000 crore). Powered by Capital Market - Live

4 months agoCapital Market - Live
Corporate
Corporate
Ujjivan Small Finance Bank allots 19.36 lakh equity shares under ESOP

Ujjivan Small Finance Bank has allotted 19,36,509 equity shares under ESOP on 05 February 2026. Consequently, the paid-up capital of the Bank has increased from Rs. 19,38,95,94,830 to 19,40,89,59,920. Powered by Capital Market - Live

5 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. What is the share price of Ujjivan Small Finance Bank Ltd (UJJIVANSFB) today?

    The share price of UJJIVANSFB as on 27th July 2026 is ₹71.57. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on Ujjivan Small Finance Bank Ltd (UJJIVANSFB) share?

    The past returns of Ujjivan Small Finance Bank Ltd (UJJIVANSFB) share are
    • Past 1 week: 9.99%
    • Past 1 month: 26.92%
    • Past 3 months: 24.43%
    • Past 6 months: 15.31%
    • Past 1 year: 63.44%
    • Past 3 years: 62.29%
    • Past 5 years: 145.95%

  3. What are the peers or stocks similar to Ujjivan Small Finance Bank Ltd (UJJIVANSFB)?

    The peers or stocks similar to Ujjivan Small Finance Bank Ltd (UJJIVANSFB) include:

  4. What is the market cap of Ujjivan Small Finance Bank Ltd (UJJIVANSFB) share?

    Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Ujjivan Small Finance Bank Ltd (UJJIVANSFB) is ₹13760.90 Cr as of 27th July 2026.

  5. What is the 52 week high and low of Ujjivan Small Finance Bank Ltd (UJJIVANSFB) share?

    The 52-week high of Ujjivan Small Finance Bank Ltd (UJJIVANSFB) is ₹73.29 and the 52-week low is ₹41.32.

  6. What is the PE and PB ratio of Ujjivan Small Finance Bank Ltd (UJJIVANSFB) stock?

    The P/E (price-to-earnings) ratio of Ujjivan Small Finance Bank Ltd (UJJIVANSFB) is 19.87. The P/B (price-to-book) ratio is 2.02.

  7. Which sector does Ujjivan Small Finance Bank Ltd (UJJIVANSFB) belong to?

    Ujjivan Small Finance Bank Ltd (UJJIVANSFB) belongs to the Financials sector & Private Banks sub-sector.

  8. How to buy Ujjivan Small Finance Bank Ltd (UJJIVANSFB) shares?

    You can directly buy Ujjivan Small Finance Bank Ltd (UJJIVANSFB) shares on Tickertape. Simply sign up, connect your demat account and place your order.