Ujjivan Small Finance Bank Ltd
Ujjivan SFB reports Q2 FY27 Net Profit of Rs. 36,505 Lakh
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 16 Oct 2026, 01:55 PM IST · BSE ID: d3c4ed3c-9d65-4e75-bb1c-56c2054cd9ed
View Original BSE Filing (PDF)
💡
In Simple Terms
The bank announced its latest quarterly financial results, showing an increase in profit and improved asset quality.
🤖 AI Summary
- Ujjivan Small Finance Bank Board approved unaudited financial results for Q2 FY27 and H1 FY27 on October 16, 2026.
- Net profit for the quarter ended September 30, 2026, was Rs. 36,505 Lakh.
- Gross Non-Performing Assets (NPAs) stood at 2.10% as of September 30, 2026.
- Capital Adequacy Ratio was reported at 20.69% for the quarter ended September 30, 2026.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net profit for the quarter ended September 30, 2026
Rs. 36,505 Lakh
199.99%
Gross NPAs to Gross advances as of September 30, 2026
2.10%
Net NPAs to Net advances as of September 30, 2026
0.31%
Capital Adequacy Ratio as of September 30, 2026
20.69%
🏢 How This Affects the Company
The retail banking segment contributed Rs. 48,100 Lakh to segment results in Q2 FY27, indicating its continued primary role in the bank's profitability.
Net profit increased to Rs. 36,505 Lakh in Q2 FY27 from Rs. 12,172 Lakh in Q2 FY26. Asset quality improved, with Gross NPAs at 2.10% and Net NPAs at 0.31%.
Reduction in Gross NPAs to 2.10% from 2.45% YoY and Net NPAs to 0.31% from 0.67% YoY suggests a decrease in credit risk exposure.
👥 What This Means For Shareholders
✅
Action Required
No action is required from shareholders based on this financial results approval filing.
👤
Who Is Affected
All shareholders are affected as the results reflect the bank's financial health, with Basic EPS at Rs. 1.87 for Q2 FY27 compared to Rs. 0.63 in Q2 FY26.
🔍
Management Signal
The approval and disclosure of robust financial results indicate management's focus on profitability and maintaining asset quality.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Press release and investor presentation on financial and business performance.
Board meeting for Q3 FY27 financial results in January 2027.
RBI updates on prudential norms affecting small finance banks.
LOW RISK
Improved asset quality metrics and strong profit growth suggest reduced financial risk.
💡 Investor Takeaway
Ujjivan Small Finance Bank reported Q2 FY27 net profit of Rs. 36,505 Lakh, a 199.99% increase YoY from Rs. 12,172 Lakh. Gross NPAs improved to 2.10% from 2.45% YoY. The Capital Adequacy Ratio was 20.69%.
⚖️ Strengths & Concerns
✅ Positives
- Net profit for Q2 FY27 increased to Rs. 36,505 Lakh, a 199.99% rise from Rs. 12,172 Lakh in Q2 FY26, demonstrating substantial profit growth.
- Asset quality improved with Gross NPAs at 2.10% for Q2 FY27, down from 2.45% in Q2 FY26, and Net NPAs at 0.31% from 0.67% in Q2 FY26.
⚠️ Concerns
- Provisions (other than tax) and contingencies for H1 FY27 were Rs. 23,029 Lakh, lower than Rs. 45,990 Lakh in H1 FY26, potentially indicating changes in risk provisioning.
- Total debt to total assets decreased to 4.83% in Q2 FY27 from 5.97% in Q2 FY26, which may impact leverage utilization for growth initiatives.
📅 Company Track Record
In Q1 FY27, Ujjivan SFB reported a Net Profit of Rs. 31,654 Lakh with Gross NPAs at 2.16%. The current Q2 FY27 results show continued growth in profit and further improvement in asset quality from Q1 FY27 and Q2 FY26.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Ujjivan Small Finance Bank's net profit in Q2 FY27?
Ujjivan Small Finance Bank reported a net profit of Rs. 36,505 Lakh for the quarter ended September 30, 2026.
What were the Gross and Net NPA ratios for Ujjivan Small Finance Bank in Q2 FY27?
Gross NPAs to Gross advances stood at 2.10% and Net NPAs to Net advances were 0.31% for the quarter ended September 30, 2026.
What is Ujjivan Small Finance Bank's Capital Adequacy Ratio as of September 30, 2026?
The Capital Adequacy Ratio for Ujjivan Small Finance Bank was 20.69% as of September 30, 2026.
What was Ujjivan Small Finance Bank's Basic EPS for Q2 FY27?
The Basic Earnings Per Share (EPS) for Ujjivan Small Finance Bank in Q2 FY27 was Rs. 1.87.
Questions based on this BSE filing only. For information purposes.