Ujjivan Small Finance Bank Ltd
Financial Results for the quarter ended June 30, 2026
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 23 Jul 2026, 01:04 PM IST · BSE ID: c18fd97d-801e-4560-a391-beca83603e5b
View Original BSE Filing (PDF)
💡
In Simple Terms
Ujjivan Small Finance Bank announced its financial results, showing an increase in net profit for the latest quarter.
🤖 AI Summary
- Ujjivan Small Finance Bank's Board approved unaudited Q1 FY27 financial results on July 23, 2026.
- Net profit for the quarter ended June 30, 2026, was Rs. 31,654 Lakh.
- Interest earned for the quarter increased to Rs. 2,02,492 Lakh.
- Gross NPAs were 2.16% and Net NPAs were 0.34% as of June 30, 2026.
- Capital Adequacy Ratio (CAR) was reported at 20.36% for the quarter.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net profit for the period/ year
31,654 Rs. in Lakh
206.67%
Interest earned
2,02,492 Rs. in Lakh
25.08%
% of Gross NPAs to Gross advances
2.16%
% of Net NPAs to Net advances
0.34%
Capital Adequacy Ratio
20.36%
Basic EPS
1.63 Rs
207.55%
🏢 How This Affects the Company
The Bank's Net Profit after Tax increased to Rs. 31,654 Lakh for Q1 FY27, compared to Rs. 10,322 Lakh in Q1 FY26, indicating enhanced profitability. Interest earned also rose to Rs. 2,02,492 Lakh, reflecting growth in core revenue streams.
The Gross NPA percentage decreased to 2.16% from 2.52% YoY, and Net NPA percentage decreased to 0.34% from 0.70% YoY, suggesting an improvement in asset quality.
👥 What This Means For Shareholders
✅
Action Required
No specific action required from shareholders based on this financial results announcement.
👤
Who Is Affected
All shareholders are affected by the company's financial performance, as reflected in the increased net profit and improved asset quality.
🔍
Management Signal
The approval of the unaudited financial results and the unmodified limited review report indicate management's adherence to regulatory compliance and transparent reporting.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Press release and investor presentation for Q1 FY27 results to be submitted separately.
Q2 FY27 financial results to assess sustained performance and asset quality.
Any further updates on credit growth and deposit mobilization strategies.
LOW RISK
The filing indicates strong financial performance with improved asset quality and robust capital adequacy.
💡 Investor Takeaway
Ujjivan Small Finance Bank reported a net profit of Rs. 31,654 Lakh for the quarter ended June 30, 2026, a significant increase from Rs. 10,322 Lakh in Q1 FY26. Gross NPAs improved to 2.16% and Net NPAs to 0.34%, reflecting enhanced asset quality.
⚖️ Strengths & Concerns
✅ Positives
- Net profit for the quarter ended June 30, 2026, increased to Rs. 31,654 Lakh, up from Rs. 10,322 Lakh in the prior year period.
- Gross Non-Performing Assets (NPAs) decreased to 2.16%, and Net NPAs to 0.34%, indicating improved asset quality.
- Capital Adequacy Ratio remained robust at 20.36% as of June 30, 2026, providing financial stability.
⚠️ Concerns
- Provisions (other than tax) and contingencies remained substantial at Rs. 12,732 Lakh for Q1 FY27.
- Other income for Q1 FY27 was Rs. 25,601 Lakh, a decrease from Rs. 30,670 Lakh in the previous quarter (Q4 FY26).
📅 Company Track Record
Ujjivan Small Finance Bank had reported a Q4 FY26 net profit of ₹282 Crore, marking a 238.2% YoY increase. The loan book grew 26.6% YoY in Q4 FY26. The Board meeting for Q1 FY27 results was previously intimated on July 03, 2026.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Ujjivan Small Finance Bank's net profit for the quarter ended June 30, 2026?
Ujjivan Small Finance Bank reported a net profit of Rs. 31,654 Lakh for the quarter ended June 30, 2026.
How did Ujjivan Small Finance Bank's interest earned perform in Q1 FY27?
Interest earned by Ujjivan Small Finance Bank for the quarter ended June 30, 2026, was Rs. 2,02,492 Lakh.
What were Ujjivan Small Finance Bank's Gross and Net NPA percentages as of June 30, 2026?
As of June 30, 2026, Ujjivan Small Finance Bank's Gross NPAs were 2.16% and Net NPAs were 0.34%.
What was the Capital Adequacy Ratio for Ujjivan Small Finance Bank in Q1 FY27?
Ujjivan Small Finance Bank's Capital Adequacy Ratio stood at 20.36% for the quarter ended June 30, 2026.
What was the Basic Earnings per Share (EPS) for Ujjivan Small Finance Bank in Q1 FY27?
The Basic Earnings per Share (EPS) for Ujjivan Small Finance Bank for the quarter ended June 30, 2026, was Rs. 1.63.
Questions based on this BSE filing only. For information purposes.