Logotype for Ujjivan Small Finance Bank Ltd

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.
Logotype for Ujjivan Small Finance Bank Ltd
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.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Ujjivan Small Finance Bank earnings date

Logotype for Ujjivan Small Finance Bank Ltd
Q3 25/2622 Jan, 2026
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Ujjivan Small Finance Bank earnings date

Logotype for Ujjivan Small Finance Bank Ltd
Q3 25/2622 Jan, 2026

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

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.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage