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Ujjivan Small Finance Bank Ltd. ( (IN:UJJIVANSFB) ) just unveiled an announcement.
Ujjivan Small Finance Bank reported a strong Q3 FY26 performance, highlighted by record quarterly net interest income of ₹1,000 crore and all-time high disbursements of ₹8,293 crore, driven particularly by micro banking disbursements. The bank’s gross loan book rose 21.6% year-on-year to ₹37,057 crore, with secured loans growing nearly 49% and now accounting for 48.1% of the portfolio, while overall asset quality improved as GNPA, NNPA and portfolio-at-risk ratios declined and provision coverage increased to 76%. On the liability side, deposits grew 22.4% year-on-year to ₹42,223 crore, with CASA balances up over 33% and the cost of funds easing, underscoring a strengthening funding profile that outpaced loan growth. Profitability metrics also improved significantly, with quarterly profit after tax surging 70.8% year-on-year to ₹186 crore, net interest margin expanding to 8.23%, and returns on assets and equity rising, all supported by robust capital adequacy of 21.6% and strong liquidity as reflected in a high liquidity coverage ratio.
More about Ujjivan Small Finance Bank Ltd.
Ujjivan Small Finance Bank Ltd. is an Indian small finance bank focused on serving mass-market and financially underserved segments through micro banking and other retail lending products. The bank has been steadily increasing the share of secured lending in its portfolio while building a strong retail deposit base, including current and savings accounts (CASA) and retail term deposits, to support its growth-oriented business model.
Average Trading Volume: 1,287,303
Technical Sentiment Signal: Buy
Current Market Cap: 112.3B INR
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