Ujjivan Small Finance Bank Ltd
P&L
Quarterly Standalone
vs Q4 FY25
Ujjivan Small Finance Bank's Profit Surges 24% to ₹ 3,103 Crore in Q1FY26
24 Jul 2025 · 24 Jul 2025, 02:05 pm
Summary
Ujjivan Small Finance Bank's profit surged by 24% to ₹ 3,103 Crore in Q1FY26. The gross loan book stood at ₹ 33,287 Crore, up 11% YoY. The secured book share was at 46% as of Jun’25. The bank's total deposits grew by 19% YoY to ₹ 38,619 Crore. The bank expects to grow advances around 20% with a credit cost in the range of 2.3% to 2.4% of average gross advances for FY26.
Key Highlights
- 1
Gross loan book at ₹ 33,287 Crore, up 11% YoY
- 2
Secured book share at 46% as of Jun’25
- 3
Deposits at ₹ 38,619 Crore, up 19% YoY
- 4
Credit Cost for Q1 FY26 at ₹ 3225 Crore
- 5
Capital adequacy ratio at 22.8%
- 6
Advances expected to grow around 20% for FY26
- 7
Credit cost expected to be in the range of 2.3% to 2.4% for FY26
Management Comments
Mr. Sanjeev Nautiyal
MD & CEO, Ujjivan Small Finance Bank
In Q1FY26, we delivered robust 11% YoY growth in our gross loan book. This was backed with strong momentum across secured segment which grew 63% YoY. The disbursements for the quarter at ₹ 6,539 Crore, up 24% YoY. Our total deposits grew 19% YoY to ₹ 38,619 crores. CASA deposits were up 13% at ₹ 2 9,381 Crore. Retail TD plus CASA deposits stood at ₹ 327,884 crores, registering a 16% growth YoY and contributing 72% to total deposits.
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