| Metric | Value (₹ Cr) | Q2 FY26 | Q3 FY25 |
|---|---|---|---|
| Revenue | 1.8K | 4.1% | 10.1% |
| Total Income | 2.0K | 5.6% | 16.1% |
| Expenditure | 1.6K | 4.2% | 14.5% |
| PBT | 244.46 | 52.5% | 79.3% |
| Net Profit | 185.72 | 52.6% | 71.0% |
| OPM | 25.10% | 1.61pp | |
| NPM | 9.07% | 2.79pp | 2.91pp |
| EPS | 0.96 | 52.4% | 71.4% |
Ujjivan Small Finance Bank Reports Highest Ever Quarterly NIl of 1,000 Crore in Q3 FY26
22 Jan 2026 · 22 Jan, 2:39 pm
Summary
Ujjivan Small Finance Bank reported its highest ever quarterly NIl of 1,000 Crore in Q3 FY26. The bank's disbursements reached a record high of 8,293 Crore in Q3 FY26. The gross loan book stands at 37,057 Crore, up 21.6% YoY; deposits at 42,223 Crore, up 22.4% YoY. The secured book grows to 17,825 Crore, up 48.7% YoY; secured share in loan book at 48.1%. The bank's Cost to Income remains flat for the quarter at 66%. Q3 FY26 PAT of 186 Crore, up 70.8% YoY. Capital adequacy ratio at 21.6%.
Key Highlights
- 1
Highest ever quarterly NIl at 1,000 Crore in Q3 FY26
- 2
Disbursements reached a record high of 8,293 Crore in Q3 FY26
- 3
Gross loan book at 37,057 Crore (Dec’25), up 21.6% YoY / 7.1% QoQ
- 4
Secured book share at 48.1% (Dec’25) vs 39.3% (Dec’24) and 46.8% (Sep’25)
- 5
Deposits at 42,223 Crore (Dec’25) up 22.4% YoY / 7.7% QoQ
- 6
NIM expanded by 33 bps to 8.23% in Q3 FY26
- 7
Q3 FY26 PAT of 186 Crore, up 70.8% YoY
- 8
Capital adequacy ratio at 21.6%
Management Comments
Mr. Sanjeev Nautiyal
India’s macroeconomic environment continues to remain conducive, with strong GDP growth at 8.2% for Q2 FY26 translating into supportive environment for credit growth and improved asset quality. For Ujjivan SFB deposits grew 7.7% QoQ and 22.4% YoY to 42,223 Crore, with Credit—Deposit ratio at 88% as of Dec’25.
Informational and educational content only. Not investment advice.