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Ujjivan Small Finance Bank (UJJIVANSFB) investor relations material
Ujjivan Small Finance Bank Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Gross loan book grew 11% year-over-year, reaching up to ₹33,287 crore, with secured loans now 46% of the portfolio, reflecting a strategic shift and 61% YoY increase in secured lending.
Total deposits grew 19% YoY to ₹38,619 crore, with retail term deposits and CASA up 16% YoY; average CASA balances rose 4% sequentially.
Net profit for Q1FY26 was ₹103 crore, down 66% YoY but up 24% sequentially; ROA at 0.8% and ROE at 6.7%.
Application for Universal Bank license is under RBI consideration following submission in February 2025.
Unaudited financial results for the quarter ended June 30, 2025, were approved by the Board and reviewed by joint statutory auditors, who issued an unmodified conclusion.
Financial highlights
Net Interest Income for Q1FY26 was ₹856 crore, down 9% YoY and 1% sequentially; NIM at 7.7%, down 157 bps YoY and 60 bps sequentially.
Profit after tax for the quarter was ₹103 crore; return on assets at 0.86% and return on equity at 6.7%.
Cost to income ratio stood at 67%; OpEx reduced by 3% sequentially due to lower variable pay and cost control.
Credit cost rose to ₹225 crore, up 105% YoY but down 15% sequentially, including ₹23 crore of accelerated provisions.
Total income for Q1 FY26 was ₹186,783 lakh, up from ₹177,427 lakh in Q1 FY25 and ₹184,305 lakh in Q4 FY25.
Outlook and guidance
Advances growth targeted at ~20% with secured growth at ~35%; liabilities growth to match advances, maintaining CD ratio around 88%.
CASA ratio expected to close at ~27%; cost to income ratio to remain around 67%.
Credit cost guided at 2.3–2.4% of average gross loan book; ROE expected at 10–12%, ROA at 1.2–1.4%.
NIM expected to stabilize at 7.8% by Q4 as excess liquidity is absorbed and deposit repricing benefits materialize.
Medium-term aim: 20–25% CAGR in advances, secured share to reach 60–65% by FY30, NIMs to stabilize at 6–7%.
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