Flash Finance

Ujjivan Small Finance Bank LimitedUJJIVANSFBBank / NBFC

Banks - Private Sector Latest results: Sep 2026 15 quarters of data
₹63.25
MCap ₹12,353 Cr · P/E 10.7
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹2,153 Cr
Interest Earned · Sep 2026
+28.0% YoY
₹594 Cr
Operating Profit · Sep 2026
₹365 Cr
Net Profit · Sep 2026
+199.2% YoY
₹1.87
EPS · Sep 2026
+196.8% YoY
2.10%
Gross NPA % · Sep 2026
0.31%
Net NPA % · Sep 2026

📝 Ujjivan Small Finance Bank Limited — results explained

Quarter ended September 2026 (Q2 FY27)

Ujjivan Small Finance Bank Limited reported total income of ₹2,449 crore for the quarter ended September 2026 (Q2 FY27), up 26.4% from ₹1,938 crore in the same quarter last year, and up 7.4% sequentially over the June 2026 quarter.

Of this, interest earned contributed ₹2,153 crore and other income ₹296 crore. Net interest income (interest earned minus interest expended of ₹905 crore) worked out to ₹1,248 crore.

Net profit rose 199.2% year-on-year to ₹365 crore, from ₹122 crore. Earnings per share (EPS) came in at ₹1.87.

On asset quality, gross NPA stood at 2.10% and net NPA at 0.31% (gross NPA was 2.45% a year ago); the capital adequacy ratio was 20.69%.

Full year and trailing twelve months

For the full year FY26, Ujjivan Small Finance Bank Limited posted total income of ₹8,038 crore, a growth of 11.6% over FY25, with a net profit of ₹693 crore (down 4.5% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹8,962 crore with a net profit of ₹1,150 crore.

Valuation snapshot

At the current price of ₹63.25, UJJIVANSFB has a market capitalisation of ₹12,353 crore and a trailing P/E of about 10.7.

Within the Banks - Private Sector industry, it is the 3rd-largest of the 14 companies we track by market value.

Shareholding pattern

As of Sep 2026, foreign institutional investors (FIIs) 18.03%, domestic institutional investors (DIIs) 36.01%, public shareholders 45.97% of Ujjivan Small Finance Bank Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹12,353 Cr
Current Price ?
₹63.2
P/E ?
10.75above ind
Industry P/E ?
9.00
P/B ?
1.66
P/S ?
1.38
P/FCF ?
7.44
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
N/A
Earnings Yield ?
9.3%
Dividend Yield ?
0.00%
Profitability & Returns
Total Income (TTM) ?
₹8,962 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹1,150 Cr
EPS (TTM) ?
₹5.89
ROCE ?
N/A
ROE ?
15.5%
ROA ?
1.8%
Gross NPA % ?
2.10%
Net NPA % ?
0.31%
Growth
Total Income — latest qtr ?
₹2,449 Cr
PAT — latest qtr ?
₹365 Cr
YoY qtr sales growth ?
26.4%
YoY qtr profit growth ?
199.2%
Sales growth (3y) ?
19%
Sales growth (5y) ?
20%
Profit growth (3y) ?
-14%
Profit growth (5y) ?
194%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
N/A
Change in promoter holding ?
N/A
Pledged percentage ?
N/A
Market
Return 3 months ?
-2.5%
Return 6 months ?
7.7%

🗓️ Quarterly results (15 quarters · ₹ Cr)

same fiscal quarter as Sep bestweakest per row · for costs (interest, NPAs) low is best
Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026 YoY % QoQ %
Interest Earned 1,1851,2871,3911,4711,5291,5771,6131,5911,5731,6191,6821,7521,8782,0252,153 +28.0% +6.3%
Other Income 179177189185236197207172270249256295307256296 +15.5% +15.5%
Total Income 1,3641,4641,5801,6561,7651,7741,8201,7631,8431,8681,9382,0472,1852,2812,449 +26.4% +7.4%
Interest Expended 447494568611595636669704709763761751785838905 +18.9% +8.0%
Operating Profit —————————————548594 — +8.3%
Provisions —————————————127103 — -19.1%
Profit Before Tax 41243243639444040031013695136160244371421491 +206.7% +16.6%
Net Profit 31032432830033030123310983103122186282317365 +199.2% +15.3%
EPS 1.581.661.681.531.681.561.200.560.430.530.630.961.451.631.87 +196.8% +14.7%
Gross NPA % 2.88% 2.62% 2.35% 2.18% 2.23% 2.52% 2.52% 2.68% 2.18% 2.52% 2.45% 2.38% 2.26% 2.16% 2.10% — —
Net NPA % 0.04% 0.06% 0.09% 0.17% 0.28% 0.41% 0.56% 0.56% 0.49% 0.70% 0.67% 0.57% 0.43% 0.34% 0.31% — —
Capital Adequacy Ratio — — — — — — — — — — — — — 20.36% 20.69% — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹6,354 Cr ₹6,931 Cr ₹7,808 Cr +9.1%
Other Income ₹846 Cr ₹1,107 Cr ₹1,154 Cr +30.9%
Total Income ₹7,200 Cr ₹8,038 Cr ₹8,962 Cr +11.6%
Interest Expended ₹2,718 Cr ₹3,060 Cr ₹3,279 Cr +12.6%
Net Interest Income ₹3,636 Cr ₹3,871 Cr ₹4,530 Cr +6.5%
Operating Profit — — ₹1,142 Cr —
Provisions — — ₹230 Cr —
Profit Before Tax ₹941 Cr ₹911 Cr ₹1,526 Cr -3.2%
Tax — — ₹230 Cr —
Net Profit ₹726 Cr ₹693 Cr ₹1,150 Cr -4.5%
EPS ₹3.75 ₹3.57 ₹5.91 -4.8%

🏛️ Balance Sheet (latest 5 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026 % Chg
Equity Capital 1,9555191,9351,9431,951 +0.4%
Reserves 2,0545,0954,1484,7765,486 +14.9%
Deposits 25,53831,46237,63045,66850,643 +10.9%
Borrowing 2,8412,1712,8453,7363,026 -19.0%
Other Liabilities 9291,1761,1301,4191,530 +7.8%
Total Liabilities 33,31740,42247,68957,54162,635 +8.9%
Fixed Assets 265395444493534 +8.4%
CWIP 1832130— —
Investments 8,5109,76611,73012,72413,126 +3.2%
Other Assets 24,52430,23035,50244,32448,975 +10.5%
Total Assets 33,31740,42247,68957,54162,635 +8.9%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity 1,0601,5932,0281,843 -9.1%
Cash from Investing Activity -2,096-865-1,793-2,481 -38.4%
Cash from Financing Activity 1,186-519398911 +128.9%
Net Cash Flow 150210633274 -56.7%
Free Cash Flow 9351,3491,8631,661 -10.8%
CFO/OP 55%50%78%75% -3.8%

💧 Half-year Cash Flow (latest 1 periods)

Metric Sep 2026 % Chg
Cash from Operating Activity 1,040 —
Cash from Investing Activity -816 —
Cash from Financing Activity -686 —
Net Cash Flow -462 —

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 33%27%12%11% -8.3%

👥 Shareholding (latest 5 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Sep 2026 % Chg
Promoters 0.00%0.00%0.00%0.00%— —
FIIs 19.55%17.05%15.45%17.23%18.03% +4.6%
DIIs 16.82%20.13%28.67%31.12%36.01% +15.7%
Public 63.61%62.83%55.88%51.65%45.97% -11.0%
No. of Shareholders 9,84,2659,37,1438,40,9607,87,9977,61,998 -3.3%

⚖️ Peer comparison

Industry: Banks - Private Sector · 14 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 TMB Tamilnad Mercantile ₹888.35 14,067 9.7 6,979 1,446 8.8% 20.7% 9.0% 13.3% 17.6% 34.9%
2 SOUTHBANK South Indian ₹48.42 12,684 8.0 12,220 1,585 10.8% 13.0% 5.6% 11.7% 11.7% 21.1%
3 UJJIVANSFB Ujjivan Small ₹62.47 12,200 10.6 8,962 1,150 12.7% 12.8% 11.6% -4.5% 26.4% 199.2%
4 KTKBANK Karnataka Bank ₹313.05 11,839 8.2 10,438 1,437 5.6% 13.8% 0.3% 2.9% 4.5% 43.5%
5 EQUITASBNK Equitas Small ₹73.50 8,409 16.4 8,141 511 5.0% 6.3% 8.9% -29.9% 14.1% 182.0%
6 DCBBANK DCB Bank ₹219.94 7,084 8.9 8,390 788 4.1% 9.4% 14.4% 19.2% 6.3% 35.7%
7 JSFB Jana Small ₹529.60 5,604 14.7 6,623 380 5.0% 5.7% 17.0% -34.9% 14.9% 52.2%
8 CSBBANK CSB Bank ₹328.75 5,572 9.0 5,681 634 0.0% 11.2% 24.4% 6.9% 10.6% 6.3%
9 UTKARSHBNK Utkarsh Small ₹14.86 2,644 — 3,793 -945 1.7% -24.9% -12.7% -5100.0% -1.6% 85.8%
10 ESAFSFB ESAF Small ₹38.96 2,011 — 4,670 -5 7.5% -0.1% 1.8% 68.1% 31.6% 198.9%
11 SURYODAY Suryoday Small ₹146.72 1,560 8.1 2,687 192 5.2% 7.2% 16.1% 33.3% 27.5% 114.8%
12 CAPITALSFB Capital Small ₹273.25 1,242 8.2 1,190 150 5.4% 12.6% 15.2% 7.6% 16.4% 29.1%
13 DHANBANK Dhanlaxmi Bank ₹29.42 1,161 10.0 1,871 115 2.7% 6.1% 20.4% 52.2% 19.0% 107.6%
14 FINOPB Fino Payments ₹136.05 1,132 54.2 1,437 21 -1.0% 1.5% -14.3% -43.3% -32.3% -177.3%
❓ Frequently asked questions
What was Ujjivan Small Finance Bank Limited's total income in Q2 FY27?
Ujjivan Small Finance Bank Limited reported total income of ₹2,449 crore for the quarter ended September 2026 (Q2 FY27), up 26.4% from ₹1,938 crore in the same quarter last year, and up 7.4% sequentially over the June 2026 quarter.
What was Ujjivan Small Finance Bank Limited's net profit in Q2 FY27?
Net profit rose 199.2% year-on-year to ₹365 crore, from ₹122 crore. Earnings per share (EPS) came in at ₹1.87.
What is UJJIVANSFB's market capitalisation and P/E ratio?
At the current price of ₹63.25, UJJIVANSFB has a market capitalisation of ₹12,353 crore and a trailing P/E of about 10.7.
What are Ujjivan Small Finance Bank Limited's NPA levels?
On asset quality, gross NPA stood at 2.10% and net NPA at 0.31% (gross NPA was 2.45% a year ago); the capital adequacy ratio was 20.69%.
Who owns Ujjivan Small Finance Bank Limited? (shareholding pattern)
As of Sep 2026, foreign institutional investors (FIIs) 18.03%, domestic institutional investors (DIIs) 36.01%, public shareholders 45.97% of Ujjivan Small Finance Bank Limited.
TTM ends 2026-09-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI