NSE · UJJIVANSFB · Financial Services
Ujjivan Small Finance Bank Ltd.
Revenue & net profit by period
Bars = revenue (₹ Cr) · line = net profit (₹ Cr). Straight from disclosed results.
Latest period: revenue ₹8,039 Cr with net profit ₹693 Cr — a 8.62% net margin, versus 10.08% the period before.
Shareholding
As of 2026-06-30
- Public49.74%
- FII16.81%
- DII33.45%
7,67,649 shareholders on record
Promoter holding trend
Each disclosed period, oldest to newest
Not enough history.
52-week position
Where the current price sits in its yearly band
The band spans 1.77× from low to high.
Risk flags
Derived from disclosed data
No flags raised by the data.
Peer comparison
Banks - Regional · ranked #15 of 22 by market cap · medians across 14 industry peers
| Company | Mkt cap | P/E | P/B | ROE | Margin |
|---|---|---|---|---|---|
| ICICI Bank Ltd. | ₹10,25,595 Cr | 69.35 | 2.84 | 15.89% | 27.77% |
| Kotak Mahindra Bank Ltd. | ₹3,86,505 Cr | 19.29 | 2.13 | 11.17% | 28.63% |
| Axis Bank Limited | ₹3,81,355 Cr | 50.11 | 1.78 | 12.32% | 19.91% |
| Union Bank of India | ₹1,29,504 Cr | 6.27 | 0.98 | 14.33% | 19.27% |
| Punjab National Bank | ₹1,27,974 Cr | 5.79 | 0.88 | 13.18% | 16.76% |
| Bank of Baroda | ₹1,25,431 Cr | 21.62 | 0.76 | 11.74% | 14.78% |
| Indian Bank | ₹1,11,758 Cr | 35.22 | 1.4 | 14.32% | 17.34% |
| IDFC First Bank Limited | ₹72,988 Cr | 223 | 1.55 | 3.4% | 3.97% |
| Indian Overseas Bank | ₹64,856 Cr | 41.58 | 1.75 | 14.09% | 16.99% |
| Bank of India | ₹62,576 Cr | 20.27 | 0.7 | 11.22% | 13.63% |
| Ujjivan Small Finance Bank Ltd.(this company) | ₹13,732 Cr | 15.14 | 2.04 | 13.29% | 12.35% |
AI analysis
AI-generated · google/gemini-2.5-flashUjjivan Small Finance Bank Limited, incorporated in 2016, provides various banking and financial services in India. The company operates through Treasury, Retail Banking, and Corporate/Wholesale Banking segments. It is involved in offering current, savings, and NRI accounts; fixed and recurring deposits; and various loan products including home loans, micro mortgages, business loans, vehicle loans, micro loans, agricultural loans, MSME loans, and gold loans. Additionally, it provides mobile, personal net, SMS, phone, video, and WhatsApp banking; ATMs; insurance products; credit and debit cards; safe deposit lockers; and retail forex and trade services. The company reported a market capitalization of Rs 12658 Cr. Revenue growth for the latest period was 44.4%, with a profit margin of 9.99%.
Positives
- +Revenue growth for the latest period is 44.4%, indicating expansion.
- +Debt-to-equity ratio is 0, suggesting no reported debt.
- +Return on equity (ROE) of 10.16% indicates efficient use of shareholder funds.
- +The total number of shareholders increased from 121680 in Dec 2019 to 767649 in Jun 2026.
Negatives
- −Promoter shareholding has decreased from 83.32% in Mar 2021 to 0% in Jun 2026.
- −Profit margin is 9.99%, which can be considered moderate.
- −EPS has declined from 6.54 in Mar 2024 to 3.51 in Mar 2026.
- −Quarterly net profit figures since Dec 2024 (e.g., 108.62 Cr) are significantly lower than annual net profits (e.g., 692.63 Cr in Mar 2026), indicating a potential decline in profitability in recent quarters.
Business Overview
Ujjivan Small Finance Bank Limited is engaged in providing banking and financial services across India. Its offerings span various segments, including Treasury activities, Retail Banking, and Corporate/Wholesale Banking. The bank provides diverse account types and deposit schemes, alongside a comprehensive suite of loan products such as home loans, micro-mortgages, vehicle loans, and agricultural loans. The company also offers digital banking solutions, insurance products, and credit/debit cards.
Financial Performance
For the latest reported period, Ujjivan Small Finance Bank Ltd. generated revenue of Rs 4179.43 Cr. The company's revenue growth stood at 44.4%. Net profit for the period was Rs 692.63 Cr in Mar 2026, improving from Rs 726.10 Cr in Mar 2025. The company has shown consistent annual revenue growth, from Rs 3172.69 Cr in Mar 2022 to Rs 8038.97 Cr in Mar 2026.
Profitability & Returns
The company reported an EPS of 3.56 and a profit margin of 9.99%. Return on equity (ROE) was 10.16%, while Return on Capital Employed (ROCE) stood at 6.90%. Annual EPS has shown fluctuations, moving from -2.4 in Mar 2022 to 6.54 in Mar 2024, before declining to 3.51 in Mar 2026.
Balance Sheet
Ujjivan Small Finance Bank Ltd. has a book value per share of 34.54. The debt-to-equity ratio is 0, indicating no reported debt. This suggests a strong capital structure. The company does not report any dividend yield.
Ownership & Pledges
Public shareholding stands at 49.74%. There is no promoter holding reported as of the latest period. There are no pledged shares by promoters.
Data as of — price: 2026-07-30 · financials: Mar 26 · shareholding: Jun 26. Figures are restated only when the company files again, so a period shown here is the most recent one on record — not necessarily the current quarter.
How this is produced: every figure above is computed from exchange filings and financial data mirrored by IPO Plus — no figure is generated or estimated. This is a factual summary for information and education only. It is not investment advice, not a recommendation to buy, sell or hold any security, and contains no price targets. Verify against the company's filings and the exchanges before any decision.
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