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Visual22 Oct 2025
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Ujjivan Small Finance Bank (UJJIVANSFB) investor relations material
Ujjivan Small Finance Bank Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary17 Oct, 2025
Executive summary
Q2 FY26 saw strong loan origination, deposit mobilization, and highest ever disbursements at ₹7,932 Cr, with secured loans rising to 47% of the book and total deposits reaching ₹39,211 Cr, up 15.1% YoY.
Added 14 new branches and 1.26 lakh micro-banking customers, with significant graduation to individual and secured loans.
PAT for Q2 FY26 was ₹122 Cr, up 18.2% QoQ but down 47.6% YoY; NII grew 7.7% QoQ to ₹922 Cr.
Unaudited financial results for the quarter and half year ended September 30, 2025, were approved by the Board, with an unmodified review from auditors.
Financial highlights
Net interest income at ₹922 Cr, up 7.7% QoQ; NIM at 7.9%, up 21 bps QoQ but down 127 bps YoY; cost-to-income ratio stable at 66–66.4%.
PAT for the quarter at ₹122 Cr; ROA at 1%, ROE at 7.7%, both down YoY.
Total income for Q2 FY26 was ₹193,866 lakh, up from ₹182,004 lakh YoY; other income grew 23.7% YoY to ₹25,635 lakh.
Gross loan book grew 3.9% QoQ and 14% YoY to ₹34,588 Cr; total deposits rose 1.5% QoQ and 15.1% YoY to ₹39,211 Cr; CASA grew 14.9% QoQ and 22.1% YoY to ₹10,783 Cr.
Credit cost increased 56.1% YoY to ₹235 Cr; cost of funds improved to 7.3% from 7.6% in Q1 FY26.
Outlook and guidance
FY26 guidance: advances growth ~20%, secured book growth ~35%, CASA ratio ~27%, cost-to-income ~67%, credit cost at 2.3–2.4%, ROE at 10–12%, ROA at 1.2–1.4%.
NIM expected to stabilize around current levels; further cost of funds benefits expected due to phased CRR reduction and deposit repricing.
Application for Universal Banking License submitted to RBI, pending regulatory decision.
When will non-micro banking products breakeven?
Explain vehicle finance asset quality trends.
How will FY26 credit cost guidance be met?
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Next Ujjivan Small Finance Bank earnings date
Q3 25/2622 Jan, 2026
Next Ujjivan Small Finance Bank earnings date
Q3 25/2622 Jan, 2026
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Frequently asked questions
Ujjivan Small Finance Bank Ltd provides a range of banking services including microloans, housing loans, savings accounts, and insurance. The bank focuses on serving low-income and underserved customer segments. The company is headquartered in Bengaluru, India, and its shares are listed on the NSE.
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