Ujjivan Small Finance Bank Ltd

Ujjivan Small Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Ujjivan Small Finance Bank Ltd

₹ 43.3 -5.23%
25 Jul - close price
ujjivansfb.in BSE: 542904 NSE: UJJIVANSFB
About

Ujjivan Small Finance Bank Limited is a mass market focused bank in India, catering to financially unserved and underserved segments and committed to building financial inclusion in the country. It started its operations as Ujjivan Financial Services Limited, a Non-Banking Financial Company in 2005 with the mission to provide financial services to the ‘economically active poor’ who were not adequately served by financial institutions. [1]

Key Points

Business Segments
Retail Banking: 85% in FY25 vs 89% in FY22
Treasury: 12% in FY25 vs 9% in FY22
Wholesale Banking: 3% in FY25 vs 2% in FY22 [1] [2]

Website BSE NSE
  • Market Cap ₹ 8,384 Cr.
  • Current Price ₹ 43.3
  • High / Low ₹ 51.9 / 30.8
  • Stock P/E 15.9
  • Book Value ₹ 31.4
  • Dividend Yield 3.46 %
  • ROCE 8.53 %
  • ROE 12.4 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Company has low interest coverage ratio.
  • Earnings include an other income of Rs.898 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Other Bank

Part of BSE SmallCap BSE Allcap BSE Financial Services Nifty500 Value 50 Nifty Microcap 250

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Quarterly Results

Figures in Rs. Crores

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
905 993 1,082 1,185 1,287 1,391 1,471 1,529 1,577 1,613 1,591 1,573 1,619
Interest 306 330 385 447 494 568 611 595 636 669 704 709 763
454 415 447 505 538 576 650 730 739 841 923 1,039 969
Financing Profit 146 248 250 233 255 248 210 203 203 103 -36 -174 -113
Financing Margin % 16% 25% 23% 20% 20% 18% 14% 13% 13% 6% -2% -11% -7%
125 147 139 179 177 189 185 236 197 207 172 270 249
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 271 395 389 412 432 436 394 440 400 310 136 95 136
Tax % 25% 25% 25% 25% 25% 25% 24% 25% 25% 25% 20% 12% 24%
203 294 293 310 324 328 300 330 301 233 109 83 103
EPS in Rs 1.17 1.51 1.50 1.58 1.66 1.68 1.53 1.68 1.56 1.20 0.56 0.43 0.53
Gross NPA % 6.51% 5.06% 3.64% 2.88% 2.62% 2.35% 2.18% 2.23% 2.52% 2.52% 2.68% 2.18% 2.52%
Net NPA % 0.11% 0.04% 0.05% 0.04% 0.06% 0.09% 0.17% 0.28% 0.41% 0.56% 0.56% 0.49% 0.70%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2017 9m Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
148 223 217 1,468 1,832 2,704 2,806 2,813 4,165 5,677 6,354 6,396
Interest 59 81 109 607 725 1,070 1,078 1,039 1,467 2,268 2,718 2,845
93 102 111 922 1,053 1,417 1,944 2,603 1,730 2,396 3,406 3,771
Financing Profit -3 40 -3 -61 54 217 -215 -830 968 1,014 230 -221
Financing Margin % -2% 18% -1% -4% 3% 8% -8% -30% 23% 18% 4% -3%
8 11 9 111 206 322 302 360 589 787 846 898
Depreciation 2 3 5 41 61 73 77 80 90 98 135 0
Profit before tax 2 49 1 9 199 466 10 -550 1,467 1,702 942 677
Tax % 22% 31% 94% 22% 0% 25% 19% -25% 25% 25% 23%
2 34 0 7 199 350 8 -415 1,100 1,281 726 528
EPS in Rs 0.00 0.05 1.38 2.02 0.05 -2.40 5.63 6.54 3.75 2.72
Dividend Payout % 0% 48% 0% 0% 0% 0% 0% 0% 22% 6% 0%
Compounded Sales Growth
10 Years: %
5 Years: 19%
3 Years: 31%
TTM: 7%
Compounded Profit Growth
10 Years: %
5 Years: 16%
3 Years: 56%
TTM: -58%
Stock Price CAGR
10 Years: %
5 Years: 5%
3 Years: 30%
1 Year: 0%
Return on Equity
10 Years: %
5 Years: 14%
3 Years: 22%
Last Year: 12%

Balance Sheet

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 57 66 1,440 1,440 1,440 1,728 1,728 1,728 1,955 519 1,935
Reserves 185 256 0 7 180 1,260 1,290 874 2,054 5,095 4,148
Deposits 0 0 206 3,773 7,379 10,780 13,136 18,292 25,538 31,462 37,630
Borrowing 617 997 6,491 4,053 4,366 4,153 3,447 1,964 2,841 2,171 2,845
38 41 298 201 377 490 779 754 929 1,176 1,130
Total Liabilities 898 1,360 8,436 9,473 13,742 18,411 20,380 23,612 33,317 40,422 47,689
11 11 137 194 282 280 276 244 265 395 444
CWIP 0 0 3 4 2 21 5 6 18 32 13
Investments 0 0 1,447 1,232 1,527 2,396 2,516 4,153 8,510 9,766 11,730
886 1,349 6,849 8,042 11,931 15,715 17,583 19,210 24,524 30,230 35,502
Total Assets 898 1,360 8,436 9,473 13,742 18,411 20,380 23,612 33,317 40,422 47,689

Cash Flows

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-168 -409 -7,084 2,314 478 242 2,657 2,554 1,060 1,593 2,028
1 3 -161 -101 -148 -757 -1,356 -841 -2,096 -865 -1,793
269 427 7,931 -2,439 287 776 -706 -1,484 1,186 -519 398
Net Cash Flow 102 21 687 -225 617 261 595 230 150 210 633

Ratios

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 12% 0% 13% 15% -0% -15% 33% 27% 12%

Shareholding Pattern

Numbers in percentages

Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
73.68% 73.68% 73.67% 73.67% 73.66% 73.60% 73.52% 0.00% 0.00% 0.00% 0.00% 0.00%
3.25% 2.29% 1.96% 3.90% 3.54% 3.70% 3.48% 24.68% 20.62% 17.87% 19.51% 19.55%
9.08% 8.21% 8.35% 7.07% 4.21% 3.99% 2.33% 7.33% 6.50% 6.58% 8.47% 16.82%
13.99% 15.83% 16.00% 15.35% 18.59% 18.72% 20.67% 67.99% 72.87% 75.54% 72.03% 63.61%
No. of Shareholders 2,63,6292,76,6652,78,2882,94,8854,52,7495,98,0806,90,4249,14,07710,68,32511,38,62611,24,0909,84,265

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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