Ujjivan Small Finance Bank Ltd
Ujjivan SFB Q2 FY27 Net Profit ₹365 Cr, Deposits Cross ₹50,000 Cr
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 16 Oct 2026, 02:12 PM IST · BSE ID: b3d388b2-7a22-4a35-9ab6-6f9d53172045
View Original BSE Filing (PDF)
💡
In Simple Terms
Ujjivan Small Finance Bank reported strong Q2 FY27 earnings, with net profit up significantly and deposits surpassing ₹50,000 Crore.
🤖 AI Summary
- Net Profit for Q2 FY27 was ₹365 Crore, representing a 199.9% increase year-on-year.
- Total Deposits crossed ₹50,000 Crore milestone, reaching ₹50,643 Crore, up 29.2% YoY.
- Gross loan book grew by 32.1% YoY to ₹45,699 Crore, with secured book at 52.1% share.
- Board approved capital infusion of ₹409 Crore via preferential allotment to IFC, Bajaj Life, HDFC Life, and Aditya Birla Sun Life.
- Asset quality improved, with GNPA at 2.10% and NNPA at 0.31% as of September 30, 2026.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit (Q2 FY27)
₹365 Crore
199.9%
Deposits (Sep 2026)
₹50,643 Crore
29.2%
Gross Loan Book (Sep 2026)
₹45,699 Crore
32.1%
Gross Non-Performing Assets (GNPA)
2.10%
Net Non-Performing Assets (NNPA)
0.31%
Capital Adequacy Ratio
20.69%
Net Interest Income (Q2 FY27)
₹1,244 Crore
35%
Return on Assets (RoA)
2.4%
Return on Equity (RoE)
19.7%
🏢 How This Affects the Company
The bank's deposit base expanding beyond ₹50,000 Crore and robust loan book growth, especially in the secured segment, strengthens its market position and funding capabilities. Increased branch network and customer additions indicate broader reach and business expansion.
The capital infusion of ₹409 Crore through preferential allotment will enhance the bank's capital adequacy. Strong net profit growth and improved asset quality metrics contribute positively to overall financial health and profitability ratios like RoA and RoE.
The addition of 104 branches and 1,335 employees in H1 FY27 signifies an expansion of the bank's distribution network and organizational capacity. The launch of ASBA facility expands customer service offerings.
Improved asset quality with GNPA at 2.10% and NNPA at 0.31% reduces credit risk exposure. A strong capital adequacy ratio of 20.69% also provides a buffer against potential financial shocks.
👥 What This Means For Shareholders
✅
Action Required
Shareholders are not required to take any immediate action based on this financial results press release.
👤
Who Is Affected
Shareholders will be affected by the proposed preferential allotment of ₹409 Crore, as it will lead to an accretion of ~₹0.8 per share as of Sep’ 26, based on the issue being at a premium to current BVPS.
🔍
Management Signal
The Board's approval for capital infusion and expansion plans signal management's focus on growth, capital enhancement, and continued investment in distribution and technology.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Shareholders' approval for the preferential allotment of ₹409 Crore.
Announcement of a new MD candidate to the regulator.
Q3 FY27 financial results for continued growth and asset quality trends.
LOW RISK
Improved asset quality and robust capital position mitigate immediate financial risks.
💡 Investor Takeaway
Ujjivan Small Finance Bank reported Q2 FY27 Net Profit of ₹365 Crore, up 199.9% YoY, and total deposits reached ₹50,643 Crore, a 29.2% YoY increase. Gross loan book grew 32.1% YoY to ₹45,699 Crore, and asset quality improved with GNPA at 2.10%.
⚖️ Strengths & Concerns
✅ Positives
- Net Profit for Q2 FY27 increased by 199.9% YoY to ₹365 Crore, indicating strong profitability growth.
- Gross Non-Performing Assets (GNPA) improved to 2.10% from 2.45% YoY, reflecting better asset quality management.
⚠️ Concerns
- The cost of funds for Q2 FY27 was 6.9%, with an indication that funding costs are expected to increase gradually.
- No specific details regarding the timeline for the submission of a new MD candidate to the regulator after the early retirement of Mr. Sanjeev Nautiyal.
📅 Company Track Record
Ujjivan Small Finance Bank reported Q1 FY27 net profit of ₹31,654 Lakh, showing a 206.7% YoY surge. This Q2 FY27 filing continues a trend of strong net profit growth observed in the previous quarter, with improved asset quality also noted in prior filings.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Ujjivan Small Finance Bank's net profit for Q2 FY27?
Ujjivan Small Finance Bank reported a net profit of ₹365 Crore for the quarter ended September 30, 2026, which is an increase of 199.9% YoY.
What were the total deposits for Ujjivan Small Finance Bank as of September 30, 2026?
Total Deposits for Ujjivan Small Finance Bank reached ₹50,643 Crore as of September 30, 2026, marking a 29.2% increase year-on-year.
What is Ujjivan Small Finance Bank's Gross Non-Performing Assets (GNPA) as of Q2 FY27?
As of September 30, 2026, Ujjivan Small Finance Bank's Gross Non-Performing Assets (GNPA) stood at 2.10%, improving from 2.45% YoY.
What capital infusion was approved by the Board of Ujjivan Small Finance Bank?
The Board of Ujjivan Small Finance Bank approved a capital infusion of ₹409 Crore through a preferential allotment to International Finance Corporation, Bajaj Life Insurance, HDFC Life Insurance, and Aditya Birla Sun Life Insurance.
Questions based on this BSE filing only. For information purposes.