Net profit for the period declined 66% to ₹103 crores in Q1 FY26, from ₹301 crores in Q1 FY25. Net interest income for the quarter decreased 9% year-on-year to ₹856 crores from ₹914.5 crores.
About Ujjivan Small Finance Bank Ltd
Ujjivan Small Finance Bank Ltd, established in 2017, is a notable player in India’s small finance banking sector. Based in Bengaluru, Karnataka, the bank has made significant strides. It mainly focuses on financial inclusion and empowerment. Ujjivan Small Finance Bank offers a range of financial services tailored to meet the needs of diverse customer segments. Its product portfolio includes savings and current accounts, fixed deposits and microfinance services. The bank’s target audience spans individuals and traditionally underserved communities. Overall, it has carved out a niche for itself in its sector. +
The Current prices are delayed, log in for live prices
LOGINOver 1 Month
-9.85%
Over 6 Months
0.49%
Over 1 Year
8.67%
Over 3 Years
42.41%
Ujjivan Small Finance Bank Ltd Summary
Close ₹53.26
Open ₹52.71
High ₹53.61
Low ₹52.51
Volume 58,75,125
Net Turnover (in Cr) ₹31.21
52Wk High ₹68
52Wk Low ₹41.32
52Wk High / Low
41.32
68
Ujjivan Small Finance Bank Ltd Fundamentals
Key Financial Data
Market Cap (in Cr) ₹10,360.43
EPS (TTM) 3.56
Book Value (BV) 34.55
Div. Yield -
P/E (TTM) 14.95
Price/Book Value 1.54
Delivery % 56.49 %
Face Value 10
Key Ratios
PE Ratio 9.17
PB Ratio 1.11
EV to Sales 6.92
PEG Ratio -0.11
ROA 1.67
ROE 12.42
Debt-Equity -
Net Profit Margin -
Operating Profit Margin -
Ujjivan Small Finance Bank Ltd Financials
Profit and Loss
No data available
Balance Sheet
No data available
Cash Flow
No data available
Profit and Loss
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Total Revenue | 7,200.59 | 6,463.91 | 4,754.19 | 3,172.69 | 3,108.37 |
| Total Expenses | 6,259.02 | 4,761.73 | 3,286.95 | 3,723.04 | 3,098.18 |
| Profit Before Tax | 941.57 | 1,702.17 | 1,467.24 | -550.36 | 10.20 |
| Profit After Tax | 726.10 | 1,281.49 | 1,099.92 | -414.59 | 8.30 |
| Operating Profit After Depreciation | 941.57 | 1,702.17 | 1,467.24 | -550.36 | 10.20 |
Balance Sheet
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Fixed Assets | 443.74 | 394.85 | 265.31 | 243.60 | 275.94 |
| Total Assets | 47,689.15 | 40,422.22 | 33,316.88 | 23,612.18 | 20,380.45 |
| Total Shareholder's Fund | 6,083.41 | 5,613.49 | 4,209.11 | 2,802.63 | 3,218.75 |
Cash Flow
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Net Cash From Operating Activities | 2,028.20 | 1,592.84 | 1,059.79 | 2,554.42 | 2,656.68 |
| Net Cash Used In Investing Activities | -1,793.44 | -864.54 | -2,095.71 | -840.98 | -1,356.45 |
| Net Cash Used In Financing Activities | 398.24 | -518.73 | 1,186.43 | -1,483.76 | -705.52 |
No data available
| Particulars (in ₹ Cr.) | 2026-03 | 2025-12 | 2025-09 | 2025-06 | 2025-03 |
|---|---|---|---|---|---|
| Total Revenue | - | - | - | - | - |
| Total Expenses | - | - | - | - | - |
| Profit Before Tax | 370.75 | 244.46 | 160.28 | 135.54 | 95.26 |
| Profit After Tax | - | - | - | - | - |
| Operating Profit after Depreciation | - | - | - | - | - |
Ujjivan Small Finance Bank Ltd Technicals
Support and Resistance
S3 S2 S1 Pivot R1 R2 R3
S1 52.64
S2 52.03
S3 51.54
Pivot 53.13
R1 53.74
R2 54.23
R3 54.84
Moving Average
20 SMA 53.93
50 SMA 56.39
100 SMA 57.71
200 SMA 54.03
Ujjivan Small Finance Bank Ltd Corporate Actions
Ujjivan Small Finance Bank Ltd
₹1.5/Share
Announcement Date 12 Jul 2024
Record Date 12 Jul 2024
Div Yield 15%
Ujjivan Small Finance Bank Ltd Peer Comparison
| Company | Price | Market Cap (in Cr) |
|---|---|---|
| HDFC Bank Ltd | ₹744.60 | ₹11,46,508.96 |
| ICICI Bank Ltd | ₹1,317.40 | ₹9,44,838.05 |
| State Bank of India | ₹1,000.65 | ₹9,23,661.75 |
| Axis Bank Ltd | ₹1,317.10 | ₹4,09,625.51 |
| Kotak Mahindra Bank Ltd | ₹393.10 | ₹3,90,997.27 |
Ujjivan Small Finance Bank Ltd Top Mutal Funds Invested
| Fund Name | AUM |
|---|---|
| Mahindra Manulife Small Cap Fund | 1.97% |
| Aditya Birla SL Small Cap Fund | 1.89% |
| UTI-Small Cap Fund | 1.84% |
| Sundaram Large and Mid Cap Fund | 1.79% |
| Franklin India Opportunities Fund | 1.68% |
Ujjivan Small Finance Bank Ltd News
Ujjivan Small Finance Bank allots 8.15 lakh equity shares under ESOP
06 Jun 2026, 11:33 am
Board of Ujjivan Small Finance Bank approves fund raising up to Rs 2,000 cr via equity route
At meeting held on 08 May 2026
08 May 2026, 05:18 pm
Ujjivan Small Finance Bank to conduct board meeting
On 8 May 2026
29 Apr 2026, 10:14 am
Ujjivan Small Finance Bank slips after RBI returns universal bank application
Shares of Ujjivan Small Finance Bank declined 3.22% to Rs 58.40 after the Reserve Bank of India returned the lender's application for transition to a universal bank.
15 Apr 2026, 09:56 am
Ujjivan Small Finance Bank receives affirmation in credit ratings from CARE
24 Mar 2026, 09:11 am
Ujjivan Small Finance Bank Ltd Stock Analysis
- Annual revenue for Ujjivan Small Finance Bank Ltd increased by 11.40% to ₹7,200.59 crore in FY 2025 from ₹6,463.91 crore in FY 2024.
- Annual Net Profit for Ujjivan Small Finance Bank Ltd decreased by 43.34% to ₹726.10 crore in FY 2025 from ₹1,281.49 crore in FY 2024.
- Promoter Shareholding in Ujjivan Small Finance Bank Ltd remains unchanged by 0.00% in the most recent quarter, from 0% in December 2025 to 0% in March 2026.
- Ujjivan Small Finance Bank Ltd delivered a 1-year return of 8.67% compared to the Nifty 50, which provided a return of -7.87% as of the last trading session.
- Ujjivan Small Finance Bank Ltd share price moved up by 2.14% from its previous close of INR ₹53.26. The latest Ujjivan Small Finance Bank Ltd share price is INR ₹54.40.
- Ujjivan Small Finance Bank Ltd share price today has been at a low of 53.81 and a high of 54.65. Over the past 52 weeks, the Ujjivan Small Finance Bank Ltd share price has seen a low of 41.32 and a high of 68.
About Ujjivan Small Finance Bank Ltd
Ujjivan Small Finance Bank Ltd, established in 2017, is a notable player in India’s small finance banking sector. Based in Bengaluru, Karnataka, the bank has made significant strides. It mainly focuses on financial inclusion and empowerment.
The bank’s primary promoter, Ujjivan Financial Services Ltd, holds a substantial stake. This backing has been crucial in supporting the bank’s growth and strategic initiatives. Ujjivan Small Finance Bank offers a range of financial services tailored to meet the needs of diverse customer segments. Its product portfolio includes savings and current accounts, fixed deposits and microfinance services. The bank’s target audience spans individuals, small businesses, and traditionally underserved communities.
What sets Ujjivan Small Finance Bank apart is its commitment to serving the unbanked and underbanked populations. The bank aims to promote financial inclusion by providing access to formal financial services. It is not the top-ranked stock in its sector. However, Ujjivan Small Finance Bank has demonstrated impressive growth. It has also established a strong market presence. The bank’s registered office is located near Grape Garden, Bengaluru. It serves as the hub for its operations across India. Meanwhile, its registrars are located in the Financial District, Hyderabad. A team of experienced professionals manage the bank. This ensures the delivery of high-quality financial services.
In essence, Ujjivan Small Finance Bank has carved out a niche for itself in the competitive banking landscape. Its focus on inclusive banking positions it well for continued growth and success. As the bank continues to expand its reach and refine its offerings, it remains committed to its core mission of financial empowerment.
One of the key ways Ujjivan Small Finance Bank is empowering underserved communities is through its Joint Liability Group (JLG) model. This model allows groups of individuals, especially women in rural areas, to access credit collectively. These groups can secure loans that they might not have been able to obtain individually by pooling their resources. This not only helps them start or expand their businesses but also fosters a sense of community and mutual support.
The bank’s microfinance services are tailored to meet the unique needs of low-income individuals. Ujjivan Small Finance Bank offers small loans for various purposes. These loans are designed to be easily accessible. They also come with flexible repayment terms, making it easier for borrowers to manage their finances.
Understanding that access to financial services is not enough, Ujjivan Small Finance Bank places a strong emphasis on financial literacy. The bank conducts educational programs. This is to teach people about the importance of savings, budgeting, and responsible borrowing. These programs are designed to bridge the knowledge gap and help individuals make financial decisions. As a result, the bank is helping them build a better future for themselves and their families.
Ujjivan Small Finance Bank’s aim to empower underserved communities goes beyond financial services. The bank is actively involved in various community development initiatives. These initiatives are aimed at improving the quality of life in the areas where it operates. They cover a wide range of areas, including infrastructure development and disaster relief.
For example, the bank has implemented projects to build and repair schools and provide clean drinking water. During times of natural disasters, Ujjivan Small Finance Bank has stepped in to provide immediate relief. These efforts have had a significant positive impact on many people's lives, helping them recover and rebuild.
Inclusivity is at the heart of Ujjivan Small Finance Bank’s business model. The bank is committed to providing financial services to all segments of the population. This inclusive approach has helped the bank build a diverse customer base. As a result, it has helped foster long-term relationships with its clients. The bank’s inclusive banking approach is reflected in its product offerings, which cater to a wide range of financial needs. From basic savings accounts and fixed deposits to more complex loan products, Ujjivan Small Finance Bank ensures that its services are accessible and affordable to everyone.
Looking ahead, Ujjivan Small Finance Bank aims to continue its journey of growth and innovation. The bank plans to expand its reach to more underserved areas. It also plans to introduce new products and services to meet the evolving needs of its customers. As a result, Ujjivan Small Finance Bank is well-positioned to make an even greater impact in the future.
Ujjivan Small Finance Bank is playing a crucial role in empowering underserved communities in India. Through its inclusive banking approach and commitment to sustainability, the bank is making a meaningful difference in the lives of millions of people.
The bank’s primary promoter, Ujjivan Financial Services Ltd, holds a substantial stake. This backing has been crucial in supporting the bank’s growth and strategic initiatives. Ujjivan Small Finance Bank offers a range of financial services tailored to meet the needs of diverse customer segments. Its product portfolio includes savings and current accounts, fixed deposits and microfinance services. The bank’s target audience spans individuals, small businesses, and traditionally underserved communities.
What sets Ujjivan Small Finance Bank apart is its commitment to serving the unbanked and underbanked populations. The bank aims to promote financial inclusion by providing access to formal financial services. It is not the top-ranked stock in its sector. However, Ujjivan Small Finance Bank has demonstrated impressive growth. It has also established a strong market presence. The bank’s registered office is located near Grape Garden, Bengaluru. It serves as the hub for its operations across India. Meanwhile, its registrars are located in the Financial District, Hyderabad. A team of experienced professionals manage the bank. This ensures the delivery of high-quality financial services.
In essence, Ujjivan Small Finance Bank has carved out a niche for itself in the competitive banking landscape. Its focus on inclusive banking positions it well for continued growth and success. As the bank continues to expand its reach and refine its offerings, it remains committed to its core mission of financial empowerment.
How Ujjivan Small Finance Bank is Empowering Underserved Communities
Ujjivan Small Finance Bank Ltd is making a big difference in the lives of underserved communities in India. Since its inception in 2017, the bank has been dedicated to providing financial services to those who need them the most. The bank’s mission is to promote financial inclusion and empower people through access to formal financial services.One of the key ways Ujjivan Small Finance Bank is empowering underserved communities is through its Joint Liability Group (JLG) model. This model allows groups of individuals, especially women in rural areas, to access credit collectively. These groups can secure loans that they might not have been able to obtain individually by pooling their resources. This not only helps them start or expand their businesses but also fosters a sense of community and mutual support.
The bank’s microfinance services are tailored to meet the unique needs of low-income individuals. Ujjivan Small Finance Bank offers small loans for various purposes. These loans are designed to be easily accessible. They also come with flexible repayment terms, making it easier for borrowers to manage their finances.
Understanding that access to financial services is not enough, Ujjivan Small Finance Bank places a strong emphasis on financial literacy. The bank conducts educational programs. This is to teach people about the importance of savings, budgeting, and responsible borrowing. These programs are designed to bridge the knowledge gap and help individuals make financial decisions. As a result, the bank is helping them build a better future for themselves and their families.
Ujjivan Small Finance Bank’s aim to empower underserved communities goes beyond financial services. The bank is actively involved in various community development initiatives. These initiatives are aimed at improving the quality of life in the areas where it operates. They cover a wide range of areas, including infrastructure development and disaster relief.
For example, the bank has implemented projects to build and repair schools and provide clean drinking water. During times of natural disasters, Ujjivan Small Finance Bank has stepped in to provide immediate relief. These efforts have had a significant positive impact on many people's lives, helping them recover and rebuild.
Inclusivity is at the heart of Ujjivan Small Finance Bank’s business model. The bank is committed to providing financial services to all segments of the population. This inclusive approach has helped the bank build a diverse customer base. As a result, it has helped foster long-term relationships with its clients. The bank’s inclusive banking approach is reflected in its product offerings, which cater to a wide range of financial needs. From basic savings accounts and fixed deposits to more complex loan products, Ujjivan Small Finance Bank ensures that its services are accessible and affordable to everyone.
Looking ahead, Ujjivan Small Finance Bank aims to continue its journey of growth and innovation. The bank plans to expand its reach to more underserved areas. It also plans to introduce new products and services to meet the evolving needs of its customers. As a result, Ujjivan Small Finance Bank is well-positioned to make an even greater impact in the future.
Ujjivan Small Finance Bank is playing a crucial role in empowering underserved communities in India. Through its inclusive banking approach and commitment to sustainability, the bank is making a meaningful difference in the lives of millions of people.
FAQ’s
What is the share price of Ujjivan Small Finance Bank Ltd today?
Ujjivan Small Finance Bank Ltd share price as on 12 Jun 2026 is ₹ 54.4
What is the Market Cap of Ujjivan Small Finance Bank Ltd?
The market cap of Ujjivan Small Finance Bank Ltd stock is ₹10,360.43 Cr.
What is the PE Ratio of Ujjivan Small Finance Bank Ltd?
The Price to Earnings (P/E) Ratio of Ujjivan Small Finance Bank Ltd is 9.17
What is the PB Ratio of Ujjivan Small Finance Bank Ltd?
The Price to Book (P/B) Ratio of Ujjivan Small Finance Bank Ltd is 1.11
What is the 52 week high of Ujjivan Small Finance Bank Ltd Share Price?
The 52 week high of Ujjivan Small Finance Bank Ltd share price stands at ₹68
What is the 52 week low of Ujjivan Small Finance Bank Ltd Share Price?
The 52 week low of Ujjivan Small Finance Bank Ltd share price stands at ₹41.32
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