Ujjivan Small Finance Bank Ltd
Press Release on financial performance of the Bank for the quarter ended June 30, 2026
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 23 Jul 2026, 01:20 PM IST · BSE ID: 70598350-c6a7-414b-8273-1d7bf6037131
View Original BSE Filing (PDF)
💡
In Simple Terms
Ujjivan Small Finance Bank's first-quarter profit more than doubled, driven by increased loans and deposits.
🤖 AI Summary
- Ujjivan Small Finance Bank reported Q1 FY27 Net Profit (PAT) of ₹317 Crore, up 206.7% YoY.
- Deposits increased to ₹48,129 Crore, marking a 24.6% YoY growth, with CASA at ₹12,930 Crore.
- Gross Loan Book expanded to ₹42,903 Crore, reflecting a 28.9% YoY increase; secured book is 50.4%.
- Asset quality improved with Gross NPA at 2.17% and Net NPA at 0.34%, with PCR at 85% as of June 2026.
- FY27 Return on Assets (RoA) guidance has been revised upwards to 1.8% to 2.0%.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit (PAT) Q1 FY27
₹317 Crore
206.7%
Deposits Q1 FY27
₹48,129 Crore
24.6%
Gross Loan Book Q1 FY27
₹42,903 Crore
28.9%
Net Interest Income (NII) Q1 FY27
₹1,186 Crore
38.6%
Gross Non-Performing Assets (GNPA) Jun’26
2.17%
-36 bps
Net Non-Performing Assets (NNPA) Jun’26
0.34%
-37 bps
Provision Coverage Ratio (PCR) Jun’26
85%
Cost of Funds Q1 FY27
6.9%
-71 bps
Cost to Income Q1 FY27
62.0%
-497 bps
Return on Assets (RoA) Q1 FY27
2.2%
131 bps
Return on Equity (RoE) Q1 FY27
18.2%
1,145 bps
🏢 How This Affects the Company
The bank's business growth is diversified with new Gold and Vehicle loan segments each crossing ₹1,000 Crore in Gross Loan Book, and branch count increased to 814. New offerings include Mutual Fund distribution and Co-Branded Credit Card for deposit customers.
Net Interest Income (NII) reached a record ₹1,186 Crore, up 38.6% YoY, contributing to a 52.0% YoY rise in Pre-Provision Operating Profit (PPoP) to ₹548 Crore. Return on Assets (RoA) improved to 2.2% and Return on Equity (RoE) to 18.2% for Q1 FY27.
Branch count increased to 814 as of June 2026, indicating continued physical expansion. The bank is integrating new digital channels for mutual fund adoption and developing co-branded credit cards.
Asset quality strengthened with GNPA/NNPA at 2.17%/0.34% and an improved provision coverage ratio of 85%, reducing credit risk. The FY27 credit cost guidance was revised downwards to 0.9%–1.0% of Average Total Assets.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required from shareholders based on this financial results press release.
👤
Who Is Affected
Existing shareholders benefit from improved financial performance, including higher profitability and asset quality, which may indicate a stronger financial position for the bank. The bank's Net worth stands at ₹7,144 Crore as of June 30, 2026.
🔍
Management Signal
Management is focused on diversified business growth, branch expansion, asset quality improvement, and enhancing profitability metrics as evidenced by the revised FY27 RoA guidance.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results – observe sustained growth in NII and PAT.
Updates on FY27 RoA guidance – check if the bank maintains or revises further.
Further expansion in secured loan portfolio – verify growth in Gold and Vehicle loan segments.
LOW RISK
Strong financial performance and asset quality improvement indicate reduced immediate risk.
💡 Investor Takeaway
Ujjivan Small Finance Bank reported Q1 FY27 Net Profit of ₹317 Crore, a 206.7% YoY increase, driven by a 38.6% YoY rise in Net Interest Income to ₹1,186 Crore. Gross Loan Book grew 28.9% YoY to ₹42,903 Crore, while Deposits increased 24.6% YoY to ₹48,129 Crore.
⚖️ Strengths & Concerns
✅ Positives
- Net Profit surged 206.7% YoY to ₹317 Crore in Q1 FY27, reflecting strong earnings growth.
- Asset quality improved with Gross NPA at 2.17% and Net NPA at 0.34%, alongside an 85% Provision Coverage Ratio.
📅 Company Track Record
Ujjivan Small Finance Bank reported Q4 FY26 PAT up 238.2% YoY to ₹282 Crore, as per its May 08, 2026 filing. The current Q1 FY27 results show continued strong growth in net profit and operational metrics compared to previous periods.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Ujjivan Small Finance Bank's net profit in Q1 FY27?
Ujjivan Small Finance Bank's net profit (PAT) for the quarter ended June 30, 2026, was ₹317 Crore, representing a 206.7% increase year-on-year.
What were Ujjivan Small Finance Bank's total deposits as of June 30, 2026?
Total deposits for Ujjivan Small Finance Bank stood at ₹48,129 Crore as of June 30, 2026, indicating a 24.6% growth year-on-year.
How did Ujjivan Small Finance Bank's asset quality change in Q1 FY27?
Ujjivan Small Finance Bank's Gross Non-Performing Assets (GNPA) improved to 2.17% and Net Non-Performing Assets (NNPA) to 0.34% as of June 30, 2026, from 2.27% and 0.43% respectively in March 2026.
What is Ujjivan Small Finance Bank's revised RoA guidance for FY27?
Ujjivan Small Finance Bank has revised its Return on Assets (RoA) guidance upwards to 1.8% to 2.0% for FY27.
What was the Gross Loan Book for Ujjivan Small Finance Bank in Q1 FY27?
The Gross Loan Book for Ujjivan Small Finance Bank was ₹42,903 Crore as of June 30, 2026, reflecting a 28.9% increase year-on-year.
Questions based on this BSE filing only. For information purposes.