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Ujjivan SFB Shareholders Approve Aniruddha Paul as Independent Director with 99.99% Majority
Ujjivan Small Finance Bank has successfully passed a special resolution to appoint Mr. Aniruddha Paul as an Independent Director. The resolution received overwhelming support, with 99.99% of the valid votes cast in favor. A total of 79.41 crore valid votes were polled, representing approximately 40.96% of the bank's total paid-up equity share capital. This appointment follows a month-long postal ballot process conducted via electronic voting.
Key Highlights
Special resolution for appointing Mr. Aniruddha Paul as Independent Director passed with 99.99% majority.
Total valid e-votes polled amounted to 79,41,41,929 shares, representing 40.96% of the total equity capital.
Institutional investors polled 69.80 crore votes, with 100% of those votes in favor of the resolution.
The e-voting process was conducted over a 30-day period ending February 27, 2026, with 1,700 members participating.
Only 54,083 votes (0.0068%) were cast against the resolution, indicating strong shareholder consensus.
💼 Action for Investors
Investors should view this as a positive development for corporate governance and board stability. No immediate portfolio action is required as this is a routine regulatory approval of a board member.
Ujjivan SFB Appoints Pankaj Gupta as Chief Digital Officer to Drive Digital Transformation
Ujjivan Small Finance Bank has appointed Mr. Pankaj Gupta as its Chief Digital Officer effective February 17, 2026. Mr. Gupta brings over 30 years of extensive experience in IT, Cloud, and Digital services, having previously led digital transformation initiatives at Karnataka Bank. This strategic hire is aimed at strengthening the bank's digital and analytics capabilities, which are critical for scaling operations in the small finance banking sector. The appointment reflects the bank's focus on modernizing its technological infrastructure to improve customer acquisition and operational efficiency.
Key Highlights
Mr. Pankaj Gupta appointed as Chief Digital Officer effective February 17, 2026
Brings over 30 years of cross-functional experience across IT, Cloud, and Digital services
Previously served as Chief Digital & Marketing Officer at Karnataka Bank, anchoring their holistic transformation
Held leadership roles at reputed firms including Sify Technologies, HCL Services, and Wipro Infotech
Holds a B.E. in Electronics & Communications and a PG Diploma in Marketing from NMIMS Mumbai
💼 Action for Investors
Investors should monitor how this leadership addition accelerates the bank's digital roadmap and impacts its cost-to-income ratio over the medium term. No immediate portfolio action is required based on this management update.
Ujjivan SFB Appoints Mohd Shakil Khan as Head of Collections
Ujjivan Small Finance Bank has appointed Mr. Mohd Shakil Khan as the Head of Collections, effective February 02, 2026. Mr. Khan is a veteran in the BFSI sector with over 25 years of experience in credit risk, enterprise risk, and regulatory compliance. He has previously held leadership roles at institutions such as Tata Capital Housing Finance and Capital First. This appointment is aimed at strengthening the bank's risk framework and collection efficiency as it continues to scale its operations.
Key Highlights
Mr. Mohd Shakil Khan appointed as Head of Collections effective February 02, 2026
Brings over 25 years of experience in Credit Risk and Enterprise Risk across leading BFSI firms
Previously served as Chief Credit & Collections Officer at Sitara and held roles at Tata Capital and Capital First
Holds a Leadership Development Program certification from Wharton Business School
Expertise includes designing risk frameworks aligned with business growth and regulatory shifts
💼 Action for Investors
Investors should view this as a positive step towards strengthening asset quality management. Monitor the bank's collection efficiency and NPA levels in upcoming quarters to assess the impact of this leadership change.
Ujjivan SFB Q3 FY26: PAT at ₹186 Cr, NIM Expands to 8.2% with Record ₹8,293 Cr Disbursements
Ujjivan Small Finance Bank reported a robust Q3 FY26 with a Profit After Tax (PAT) of ₹186 crore and an improved ROA of 1.5%. The bank achieved its highest-ever quarterly disbursements of ₹8,293 crore, driving the gross loan book to ₹37,057 crore, up 21.6% Y-o-Y. Net Interest Margin (NIM) expanded to 8.2% as the cost of funds dropped by 26 bps sequentially to 7.08%. Asset quality remains stable with GNPA at 2.4% and a strengthened Provision Coverage Ratio (PCR) of 76%.
Key Highlights
Highest-ever quarterly disbursements of ₹8,293 crore, leading to 21.6% Y-o-Y loan book growth.
NIM improved to 8.2% driven by a 26 bps Q-o-Q reduction in cost of funds and better product mix.
Secured portfolio now constitutes 48% of the total book, with Affordable Housing growing 40.3% Y-o-Y.
Deposits grew 22.4% Y-o-Y to ₹42,223 crore with CASA ratio maintained above 27%.
Asset quality improved with PAR below 4% and PCR increasing by 3% Q-o-Q to reach 76%.
💼 Action for Investors
Investors should take note of the bank's successful diversification into secured assets and the sequential improvement in margins. The pending Universal Bank license application remains a significant medium-term catalyst for the stock.
Ujjivan SFB Q3 FY26 PAT Jumps 71% YoY to ₹186 Cr; Record NII at ₹1,000 Cr
Ujjivan Small Finance Bank delivered a robust Q3 FY26 performance, with Profit After Tax (PAT) surging 70.8% YoY to ₹186 crore. The bank achieved its highest-ever quarterly Net Interest Income of ₹1,000 crore and record disbursements of ₹8,293 crore. Asset quality improved significantly with GNPA at 2.39% and NNPA at 0.58%, while the secured loan book now accounts for 48.1% of the total portfolio. Deposits grew 22.4% YoY to ₹42,223 crore, outpacing loan growth and reflecting strong liquidity management.
Key Highlights
Net Interest Income (NII) hit a record ₹1,000 crore, up 12.8% YoY, with NIM expanding to 8.23%.
Secured loan book grew 48.7% YoY to ₹17,825 crore, now representing 48.1% of the total gross loan book.
Asset quality improved with GNPA at 2.39% and NNPA at 0.58% compared to 2.68% and 0.66% in the previous year.
Total deposits increased 22.4% YoY to ₹42,223 crore, with a CASA ratio of 27.3%.
Cost of funds decreased by 25 bps QoQ to 7.09%, aiding margin expansion.
💼 Action for Investors
Investors should view the bank's shift towards a secured lending mix and improving asset quality as positive indicators for long-term stability. The record disbursements and expanding margins suggest strong operational momentum, though the cost-to-income ratio warrants continued monitoring.
Ujjivan SFB Q3FY26 PAT jumps 71% YoY to ₹186 Cr; Secured Loan Book reaches 48%
Ujjivan Small Finance Bank reported a strong Q3FY26 with Net Profit rising 70.8% YoY to ₹186 crore, driven by robust disbursement growth and improved asset quality. The bank achieved its highest-ever quarterly disbursements of ₹8,293 crore, marking a 54.7% YoY increase. Total deposits grew 22.4% YoY to ₹42,223 crore, with CASA deposits showing a significant 33.2% YoY growth. Notably, the share of the secured loan book increased to 48% from 39% a year ago, reflecting a strategic shift towards a more stable asset mix.
Key Highlights
PAT grew 70.8% YoY to ₹186 Cr, while NII reached a record ₹1,000 Cr (up 8.5% QoQ).
Highest ever quarterly disbursements of ₹8,293 Cr, up 54.7% YoY.
Secured loan book now comprises 48% of the total portfolio, up from 39% in Q3FY25.
Asset quality improved with GNPA at 2.4% vs 2.7% YoY; NNPA remained stable at 0.6%.
Total deposits reached ₹42,223 Cr (up 22.4% YoY) with CASA ratio at 27.3%.
💼 Action for Investors
Investors should note the bank's successful transition towards a secured lending profile and improving CASA ratio as positive long-term indicators. The record disbursements and significant jump in profitability suggest strong operational momentum.
Ujjivan SFB Q3 FY26 PAT Surges 71% YoY to ₹185.7 Cr; Asset Quality Improves to 2.38% GNPA
Ujjivan Small Finance Bank reported a robust 71% YoY increase in Net Profit to ₹185.72 crore for the quarter ended December 31, 2025. Total income rose 16% YoY to ₹2,047.4 crore, driven by steady interest income and a significant jump in other income. Asset quality showed healthy signs of improvement with Gross NPA declining to 2.38% from 2.68% a year ago. The bank maintains a strong capital position with a Capital Adequacy Ratio of 21.62%.
Key Highlights
Net Profit grew 71% YoY to ₹185.72 crore and 52.6% sequentially from ₹121.72 crore in Q2 FY26.
Gross NPA ratio improved to 2.38% compared to 2.45% in the previous quarter and 2.68% in Q3 FY25.
Total Income increased 16% YoY to ₹2,047.4 crore, supported by ₹295.5 crore in other income.
Operating profit rose to ₹439.8 crore, up 22.5% YoY, while provisions declined sequentially to ₹195.3 crore.
Capital Adequacy Ratio remains healthy at 21.62% as of December 31, 2025.
💼 Action for Investors
Investors should view the strong sequential recovery in profitability and improving asset quality as a positive signal for the bank's growth trajectory. Monitor the sustainability of credit costs and the growth in the retail banking segment in future quarters.
Ujjivan SFB Appoints Tech Veteran Aniruddha Paul as Independent Director for 3 Years
Ujjivan Small Finance Bank has appointed Mr. Aniruddha Paul as an Independent Director for a three-year term effective January 22, 2026. Mr. Paul is a seasoned technology leader with over 30 years of experience, including a stint as CIO at Standard Chartered where he managed a USD 1 billion budget. His background in AI, data strategy, and digital transformation at global firms like ING and Standard Chartered is expected to bolster the bank's digital roadmap. The appointment is subject to shareholder approval and follows all regulatory compliance requirements.
Key Highlights
Appointment of Mr. Aniruddha Paul as Independent Director for a 3-year term starting January 22, 2026.
Candidate previously managed a USD 1 billion tech spend and 7,000-strong team at Standard Chartered Bank.
Extensive experience as Group Chief Data Officer at ING, where he consolidated over 18 data lakes.
Academic credentials include a BTech from IIT Kharagpur (1990) and an MBA from IIM Calcutta (1995).
Confirmed no debarment by SEBI and no relationships with existing directors or KMPs.
💼 Action for Investors
The addition of a high-profile technology expert to the board is a positive sign for the bank's digital scaling and risk management ambitions. Investors should view this as a strengthening of the bank's governance and technological oversight.
CRISIL Reaffirms 'A1+' Rating for Ujjivan SFB; CD Programme Reduced to ₹375 Crore
CRISIL has reaffirmed its highest short-term rating of 'A1+' for Ujjivan Small Finance Bank's Certificate of Deposits, though the rated amount was reduced to ₹375 crore from ₹2,500 crore at the bank's request. The bank's gross advances reached ₹37,055 crore as of December 31, 2025, with a provisional GNPA improvement to 2.39%. However, profitability has moderated significantly, with Return on Managed Assets (RoMA) declining to 0.9% in H1 FY26 from 3.3% in FY24 due to higher credit costs. The bank continues to diversify its book, with the micro-banking share reducing to 52% of total advances.
Key Highlights
CRISIL A1+ rating reaffirmed for Certificate of Deposits; amount reduced from ₹2,500 Cr to ₹375 Cr.
Gross advances grew to ₹37,055 Cr as of Dec 31, 2025, reflecting a 20.5% annualized growth for 9M FY26.
Provisional GNPA improved to 2.39% in Dec 2025 from 2.5% in Sept 2025, despite microfinance sector stress.
Profitability (RoMA) moderated to 0.9% in H1 FY26 compared to 3.3% in FY24 due to elevated operating and credit costs.
Capital position remains adequate with a Capital Adequacy Ratio (CAR) of 21.4% as of Sept 30, 2025.
💼 Action for Investors
Investors should monitor the bank's ability to stabilize its RoMA and manage asset quality within the microfinance segment. The ongoing shift toward a diversified, secured loan portfolio is a positive long-term strategy to mitigate sector-specific risks.
Ujjivan SFB Q3 FY26 Update: Deposits Up 22% YoY, GNPA Improves to 2.39%
Ujjivan Small Finance Bank reported a strong operational performance for Q3 FY26, with total deposits growing 22.2% YoY to ₹42,219 crore. The gross loan book increased by 21.6% YoY to ₹37,055 crore, notably driven by a shift towards secured lending which now comprises 48.1% of the portfolio. Asset quality showed sequential improvement, with Gross NPA declining to 2.39% from 2.45% in the previous quarter. Disbursement growth was particularly robust, surging 55% YoY to ₹8,311 crore, indicating strong credit momentum.
Key Highlights
Total deposits grew 22.2% YoY to ₹42,219 crore, while CASA deposits rose 33.1% YoY to ₹11,533 crore.
Gross Loan Book reached ₹37,055 crore (+21.6% YoY), with the secured book share rising to 48.1% from 39.3% YoY.
Asset quality improved as GNPA fell to 2.39% and PAR (Portfolio at Risk) improved to 3.98% from 4.44% QoQ.
Quarterly disbursements surged 55% YoY to ₹8,311 crore, led by strong growth in Group Loans and Housing.
Micro Banking collection efficiency remained healthy at 99.70% for the month of December 2025.
💼 Action for Investors
The bank's focus on increasing the secured portion of its loan book and improving asset quality is a positive trend for long-term stability. Investors should maintain a positive outlook but monitor the full earnings release for the impact of these growth numbers on Net Interest Margins (NIMs).