Ujjivan Small Finance Bank Limited — Quarter ended March 31, 2026 (Audited) and Year ended March 31, 2026 (Audited)
| Sl No. | Particulars | Quarter ended March 31, 2026 (Audited) (Refer note 6) | Quarter ended December 31, 2025 (Unaudited) | Quarter ended March 31, 2025 (Audited) (Refer note 6) | March 31, 2026 (Audited) | March 31, 2025 (Audited) |
|---|---|---|---|---|---|---|
| 1 | Interest earned (a)+(b)+(c)+(d) | 1,87,836 | 1,75,192 | 1,57,336 | 6,93,145 | 6,35,439 |
| a) Interest/discount on advances/bills | 1,65,833 | 1,54,759 | 1,35,962 | 6,07,747 | 5,52,570 | |
| b) Income on Investments | 21,602 | 19,943 | 20,870 | 83,033 | 80,583 | |
| c) Interest on balances with Reserve Bank of India and other interbank funds | 235 | 309 | 255 | 1,600 | 1,096 | |
| d) Others | 166 | 181 | 249 | 765 | 1,190 | |
| 2 | Other income (Refer note 8) | 30,670 | 29,548 | 26,969 | 1,10,752 | 84,620 |
| 3 | Total income (1)+(2) | 2,18,506 | 2,04,740 | 1,84,305 | 8,03,897 | 7,20,059 |
| 4 | Interest expended | 78,547 | 75,145 | 70,905 | 3,06,045 | 2,71,812 |
| 5 | Operating expenses (i)+(ii) | 88,499 | 85,615 | 77,424 | 3,26,839 | 2,79,324 |
| (i) Employees cost | 46,995 | 47,381 | 41,961 | 1,79,097 | 1,49,949 | |
| (ii) Other operating expenses | 41,504 | 38,234 | 35,463 | 1,47,742 | 1,29,375 | |
| 6 | Total expenditure (4)+(5) [excluding provisions and contingencies] | 1,67,046 | 1,60,760 | 1,48,329 | 6,32,884 | 5,51,136 |
| 7 | Operating profit before provisions and contingencies (3)-(6) | 51,460 | 43,980 | 35,976 | 1,71,013 | 1,68,923 |
| 8 | Provisions (other than tax) and contingencies (Refer note 10) | 14,385 | 19,534 | 26,450 | 79,910 | 74,766 |
| 9 | Exceptional Items | – | – | – | – | – |
| 10 | Profit from ordinary activities before tax (7)-(8)-(9) | 37,075 | 24,446 | 9,526 | 91,103 | 94,157 |
| 11 | Tax expense | 8,878 | 5,874 | 1,187 | 21,840 | 21,547 |
| 12 | Net profit from ordinary activities after tax (10)-(11) | 28,197 | 18,572 | 8,339 | 69,263 | 72,610 |
| 13 | Extraordinary items (net of tax expense) | – | – | – | – | – |
| 14 | Net profit for the period/ year (12)-(13) | 28,197 | 18,572 | 8,339 | 69,263 | 72,610 |
| 15 | Paid up equity share capital (Face value of Rs. 10/- each) | 1,94,271 | 1,93,846 | 1,93,500 | 1,94,271 | 1,93,500 |
| 16 | Reserves excluding revaluation reserves | – | – | – | 4,87,296 | 4,14,841 |
| 17 | Analytical ratios and other disclosure | – | – | – | – | – |
| (i) Percentage of shares held by Government of India | NIL | NIL | NIL | NIL | NIL | |
| (ii) Capital Adequacy Ratio (Refer note 9) | 21.14% | 21.62% | 23.10% | 21.14% | 23.10% | |
| (iii) Earnings per share (before and after extraordinary items, net of tax expenses) (Face value of Rs. 10/- each) ² | ||||||
| – Basic EPS (Rs) | 1.45 | 0.96 | 0.43 | 3.57 | 3.75 | |
| – Diluted EPS (Rs) | 1.43 | 0.94 | 0.43 | 3.51 | 3.71 | |
| (iv) NPA Ratios | ||||||
| (a) Gross NPAs | 91,671 | 87,939 | 69,589 | 91,671 | 69,589 | |
| (b) Net NPAs | 17,044 | 20,808 | 15,243 | 17,044 | 15,243 | |
| (c) % of Gross NPAs to Gross advances | 2.26% | 2.38% | 2.18% | 2.26% | 2.18% | |
| (d) % of Net NPAs to Net advances¹ | 0.43% | 0.57% | 0.49% | 0.43% | 0.49% | |
| (v) Return on assets (average)² | 0.51% | 0.37% | 0.18% | 1.37% | 1.67% | |
| (vi) Debt-equity ratio | 0.28 | 0.24 | 0.25 | 0.28 | 0.25 | |
| (vii) Total debt to total assets³ | 6.49% | 4.56% | 5.97% | 6.49% | 5.97% | |
| (viii) Net worth | 6,81,568 | 6,51,854 | 6,08,341 | 6,81,568 | 6,08,341 |
| Sl No. | Particulars | Quarter ended March 31, 2026 (Audited) | Quarter ended December 31, 2025 (Unaudited) | Quarter ended March 31, 2025 (Audited) | Year ended March 31, 2026 (Audited) | Year ended March 31, 2025 (Audited) |
|---|---|---|---|---|---|---|
| 1 | Segment revenue | |||||
| (a) | Treasury | 21,723 | 21,815 | 23,719 | 93,608 | 86,393 |
| (b) | Retail banking | 1,90,932 | 1,77,600 | 1,55,071 | 6,87,696 | 6,14,056 |
| (c) | Wholesale banking | 5,851 | 5,325 | 5,515 | 22,593 | 19,610 |
| (d) | Unallocated | – | – | – | – | – |
| Less: Inter-segment revenue | – | – | – | – | – | |
| Total income | 2,18,506 | 2,04,740 | 1,84,305 | 8,03,897 | 7,20,059 | |
| 2 | Segment results | |||||
| (a) | Treasury | 1,200 | 2,554 | 3,305 | 12,839 | 7,395 |
| (b) | Retail banking | 32,759 | 20,682 | 4,538 | 71,259 | 84,437 |
| (c) | Wholesale banking | 4,522 | 2,605 | 3,226 | 12,541 | 7,913 |
| (d) | Unallocated | (1,406) | (1,395) | (1,543) | (5,536) | (5,588) |
| Total profit before tax | 37,075 | 24,446 | 9,526 | 91,102 | 94,157 | |
| 3 | Segment assets | |||||
| (a) | Treasury | 16,12,761 | 14,34,395 | 14,82,546 | 16,12,761 | 14,82,546 |
| (b) | Retail banking | 38,16,586 | 34,91,490 | 29,79,942 | 38,16,586 | 29,79,942 |
| (c) | Wholesale banking | 2,98,888 | 2,64,406 | 2,76,797 | 2,98,888 | 2,76,797 |
| (d) | Unallocated | 25,886 | 39,594 | 29,630 | 25,886 | 29,630 |
| Total assets | 57,54,121 | 52,29,885 | 47,68,915 | 57,54,121 | 47,68,915 | |
| 4 | Segment liabilities | |||||
| (a) | Treasury | 14,21,731 | 12,55,611 | 12,93,427 | 14,21,731 | 12,93,427 |
| (b) | Retail banking | 33,64,517 | 30,56,310 | 25,99,809 | 33,64,517 | 25,99,809 |
| (c) | Wholesale banking | 2,63,485 | 2,31,451 | 2,41,488 | 2,63,485 | 2,41,488 |
| (d) | Unallocated | 22,820 | 34,659 | 25,850 | 22,820 | 25,850 |
| Total liabilities | 50,72,553 | 45,78,031 | 41,60,574 | 50,72,553 | 41,60,574 | |
| 5 | Capital employed | |||||
| (a) | Treasury | 1,91,030 | 1,78,784 | 1,89,119 | 1,91,030 | 1,89,119 |
| (b) | Retail banking | 4,52,069 | 4,35,180 | 3,80,133 | 4,52,069 | 3,80,133 |
| (c) | Wholesale banking | 35,403 | 32,955 | 35,309 | 35,403 | 35,309 |
| (d) | Unallocated | 3,066 | 4,935 | 3,780 | 3,066 | 3,780 |
| Total | 6,81,568 | 6,51,854 | 6,08,341 | 6,81,568 | 6,08,341 |
| Particulars | As at March 31, 2026 (Audited) | As at March 31, 2025 (Audited) |
|---|---|---|
| CAPITAL AND LIABILITIES | ||
| Capital | 1,94,271 | 1,93,500 |
| Employees stock options outstanding | 9,738 | 8,964 |
| Reserves and surplus | 4,77,559 | 4,05,877 |
| Deposits | 45,66,833 | 37,63,048 |
| Borrowings | 3,73,601 | 2,84,536 |
| Other liabilities and provisions | 1,32,119 | 1,12,990 |
| Total | 57,54,121 | 47,68,915 |
| ASSETS | ||
| Cash and balances with Reserve Bank of India | 3,10,967 | 3,13,337 |
| Balances with Banks and money at call and short notice | 33,400 | 3,643 |
| Investments | 12,72,425 | 11,72,999 |
| Advances | 39,76,055 | 31,39,000 |
| Fixed assets | 49,307 | 45,691 |
| Other assets | 1,11,967 | 94,245 |
| Total | 57,54,121 | 47,68,915 |
| Particulars | For the year ended March 31, 2026 (Audited) | For the year ended March 31, 2025 (Audited) |
|---|---|---|
| Cash Flow from Operating Activities | ||
| Profit before tax | 91,103 | 94,157 |
| Adjustments for: | ||
| Depreciation on Bank’s Property | 14,464 | 13,472 |
| (Profit)/Loss on sale of Land, Building & Other assets (net) | 104 | 48 |
| Expense on employee stock option | 1,905 | 1,732 |
| Provision for Non Performing Assets (incl. loans written off) | 76,022 | 72,516 |
| Provision for Standard Assets | 3,867 | 2,254 |
| (Profit)/ Loss on Revaluation of Investments (net) | 279 | 3,548 |
| (Profit)/loss on sale of investments other than HTM securities | (4,248) | (1,313) |
| Amortisation of premium on investments | 3,553 | 2,203 |
| Operating Profit before working capital changes | 1,87,049 | 1,88,617 |
| Adjustments for: | ||
| (Increase)/Decrease in Advances | (9,13,076) | (5,23,225) |
| Decrease/(Increase) in Investments in other than HTM securities | 1,30,862 | (37,757) |
| Decrease/(Increase) in Other assets | (7,795) | (8,973) |
| (Decrease)/Increase in Deposits | 8,03,785 | 6,16,833 |
| (Decrease)/Increase in Other liabilities and provisions | 15,261 | (6,839) |
| Cash Flow from Operating Activities | 2,16,086 | 2,28,656 |
| Direct taxes paid (net of refunds) | (31,766) | (25,836) |
| Net Cash Flow generated from Operating Activities (A) | 1,84,320 | 2,02,820 |
| Cash Flow from Investing Activities | ||
| Proceeds from sale of Fixed assets | 174 | 175 |
| Investment in HTM securities (net) | (2,29,883) | (1,62,798) |
| Purchase of Fixed Assets including Capital work in progress | (18,358) | (16,721) |
| Net Cash Flow used in Investing Activities (B) | (2,48,067) | (1,79,344) |
| Cash Flow from Financing Activities | ||
| Proceeds from issue of equity shares | 2,070 | 1,378 |
| Increase / (decrease) in Borrowings (net) | 89,065 | 67,455 |
| Dividend paid during the year | – | (29,008) |
| Net Cash Flow generated from Financing Activities (C) | 91,135 | 39,825 |
| Net Increase / (decrease) in Cash and Cash Equivalents (A+B+C) | 27,388 | 63,301 |
| Cash and Cash Equivalents at the beginning of the year | 3,15,697 | 2,52,396 |
| Cash and Cash Equivalents at the end of the year* | 3,43,085 | 3,15,697 |
| Type of borrower | Exposure to accounts classified as Standard consequent to implementation of resolution plan – Position as at the end of the previous half-year, i.e., September 30, 2025 (A) | Of (A), aggregate debt that slipped into NPA during the half-year ended March 31, 2026 | Of (A) amount written off during the half-year ended March 31, 2026 | Of (A) amount paid by the borrowers during the half-year ended March 31, 2026 | Exposure to accounts classified as Standard consequent to implementation of resolution plan – Position as at the end of this half-year, i.e., March 31, 2026 |
|---|---|---|---|---|---|
| Personal Loans | 1,267 | 16 | 1 | 164 | 1,102 |
| Corporate persons* | – | – | – | – | – |
| Of which MSMEs | – | – | – | – | – |
| Others | 592 | 23 | 16 |