Ujjivan Small Finance Bank Ltd

Ujjivan Small Finance Bank Limited has received a revised ESG Impact Rating from ICRA ESG Ratings. The rating has been upgraded from '80' (Outstanding) to '82' (Outstanding) for FY 2026. This rating is based on information provided by the bank and public disclosures. The bank will make this intimation available on its website.

Ujjivan Small Finance Bank Limited has received an ESG Rating of '74', classified as 'Excellent', from ESG Risk Assessments and Insights Limited, a Category I - SEBI registered ESG Rating Provider. This rating, assigned voluntarily for FY 2025-26, is based on the bank's public disclosures. The bank will make this intimation available on its website.

Ujjivan Small Finance Bank Ltd. reported strong financial performance for Q1 FY27, with Profit After Tax (PAT) surging by 206.7% YoY to ₹317 Crore. The bank revised its FY27 Return on Assets (RoA) guidance upwards to 1.8%-2.0%. Key highlights include a record quarterly Net Interest Income (NII) of ₹1,186 Crore, up 38.6% YoY, and a Pre-Provision Operating Profit (PPoP) of ₹548 Crore, up 52.0% YoY. Deposits grew by 24.6% YoY to ₹48,129 Crore, with CASA up 37.8% YoY. The Gross Loan Book reached ₹42,903 Crore, up 28.9% YoY, with the secured book comprising 50.4%. Asset quality improved with GNPA/NNPA at 2.17%/0.34%. New business lines like Gold and Vehicle loans crossed ₹1,000 Crore each. The bank also launched Mutual Fund distribution and a Co-Branded Credit Card offering.

Ujjivan Small Finance Bank Ltd announced its unaudited financial results for the quarter ended June 30, 2026. The Board of Directors approved these results following a review by the Audit Committee. The bank also submitted a Limited Review Report from its joint statutory auditors, Deloitte Haskins and Sells, and Abarna and Ananthan. Further details on financial and business performance will be provided in a separate press release and investor presentation.

Ujjivan Small Finance Bank reported Q1 FY27 (quarter ended June 30, 2026) standalone net profit of ₹316.5 Cr, up 206.7% year-on-year from ₹103.2 Cr and 12.3% sequentially from ₹282.0 Cr. Interest earned rose 25.1% YoY to ₹2,024.9 Cr and total income 22.1% to ₹2,280.9 Cr, but the profit story is a bottom-line one: the YoY tripling is largely a low-base effect. The June-2025 quarter was depressed by elevated microfinance credit costs, and provisions this quarter fell to ₹127.3 Cr from ₹224.9 Cr a year ago (and ₹143.9 Cr last quarter), while operating profit before provisions climbed ~52% YoY to ₹548.1 Cr. Net profit margin expanded to ~13.9% of total income from 5.5% a year ago; quarterly (non-annualised) ROA improved to 0.53% from 0.21%. Asset quality underpins the print: GNPA eased to 2.16% (from 2.52% YoY, 2.26% QoQ) and net NPA to 0.34%, with the bank citing 99.68% microbanking collection efficiency and write-offs down to ₹68 Cr from ₹154 Cr a year earlier. Balance-sheet momentum from the July 2 business update carries through — deposits up 25.1% YoY to ₹48,307 Cr and gross loan book up 28.9% to ₹42,903 Cr — running ahead of management's ~25% FY27 loan-growth guidance from the Q4 concall; the confident, optimistic tone struck then is confirmed by this quarter's normalisation. NIM (~8.5% guided) and the secured-mix shift toward ~56% aren't disclosed in this P&L statement and remain concall items to verify. On expectations, no quarterly PAT consensus was found in the public previews; the stock carries a 15-analyst 'Strong Buy' with a ~₹74 target and an FY27 EPS consensus near ₹5.35, against which the Q1 basic EPS of ₹1.63 (vs ₹0.53 YoY) is a healthy run-rate helped by the benign credit environment. Management's own press release was not part of this filing (to be submitted separately), so framing here rests on the audited-review numbers and the prior business update. Capital remains comfortable at CAR 20.36%.

Ujjivan Small Finance Bank Ltd has issued a formal clarification in response to a voting recommendation from proxy advisor Institutional Investor Advisory Services (IiAS) dated July 9, 2026. The recommendation concerned the approval of the 'Ujjivan Restricted Stock Units Plan – 2026'. While IiAS supported six other AGM resolutions, it withheld support for the RSU resolution due to a lack of clarity on performance-based vesting criteria. Ujjivan SFB has provided detailed explanations, including specific grant and vesting conditions tied to achieving revenue and profit targets (not less than 105% of budgeted figures) and individual performance ratings ('Meets Expectations' or above). The bank commits to disclosing actual targets, performance achieved, and individual metrics in its annual reports to ensure transparency and align with governance practices, requesting IiAS to reconsider its stance.

Ujjivan Small Finance Bank Limited has been assigned an ESG Rating of 77.3 for the fiscal year 2025-26 by SES ESG Research Pvt. Ltd. This rating represents a year-on-year increase of 4.1%. The rating is based on the bank's public disclosures and publicly available information. SES ESG Research is a Category II - SEBI registered ESG Rating Provider. The bank will make this intimation available on its website.

Ujjivan Small Finance Bank Ltd has announced that its Board of Directors will convene on July 23, 2026. The primary agenda item for this meeting is to consider and approve the Unaudited Financial Results for the first quarter ended June 30, 2026. In line with SEBI regulations, the trading window for designated persons and their dependents has been closed since July 1, 2026, and will reopen 48 hours after the financial results are announced. PAN freeze measures are also in effect for these individuals during the closure period. The bank will also make this information available on its official website.

Ujjivan Small Finance Bank Ltd reported key business highlights for the quarter ended June 30, 2026. Total deposits surged by 25.1% year-on-year to ₹48,307 crore, while CASA grew by 37.8% to ₹12,930 crore. The Gross Loan Book increased by 28.9% YoY to ₹42,903 crore, with significant growth in Vehicle Loans (85.0%) and Gold Loans (248.1%). Disbursements saw a substantial 41.5% YoY jump to ₹9,252 crore, driven by strong growth in FIG (185.2%) and Gold Loans (184.5%). Asset quality showed improvement with PAR at 3.58% and GNPA at 2.17%. Collection efficiency for Micro Banking remained high at 99.68%. These figures are provisional and subject to audit.

Ujjivan Small Finance Bank Ltd has responded to a clarification request from BSE regarding a significant increase in its security's trading volume. The bank stated that it has made all necessary disclosures as per applicable laws and regulations. Ujjivan SFB attributes the volume increase purely to market conditions and asserts that it has no material price-sensitive information to disclose beyond what has already been disseminated to the public. The bank reiterated its commitment to complying with all regulatory requirements and keeping stock exchanges informed.