Ujjivan Small Financ Bank
NSE: UJJIVANSFB · Other Bank · sector
₹55.00NSE close 2026-10-26
Key numbers
Market cap₹10,731 cr
Price₹55.00
52w high / low₹74 / ₹49
P/E9.3xSector median 12.4x
P/B1.4xSector median 1.1x
Book value₹38.6
Dividend yield–Sector median 0.11%
ROE16.6%Sector median 8.8%
ROA1.83%Sector median 0.84%
Gross NPA2.10%
Net NPA0.31%
CET119.49%
Sales growth 3y+35.1%Sector median +31.9%
Profit growth 3y–Sector median +7.1%
PEG0.05x
Last 12 months to Sep 2026, Standalone. "Sector median" = middle value of 9 companies in Other Bank (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- Total income was higher than a year earlier in 4 of the last 4 quarters.
- Dividend paid in 2 of the last 5 financial years.
- Price ₹55.00 on 2026-10-26: -25.6% from the 52-week high, +11.7% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹72.38 · low ₹31.38
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 1,591 | 1,573 | 1,619 | 1,682 | 1,752 | 1,878 | 2,025 | 2,153 |
| Net interest income | 887 | 864 | 856 | 922 | 1,000 | 1,093 | 1,187 | 1,248 |
| Operating profit | 359 | 360 | 360 | 395 | 440 | 515 | 548 | 594 |
| Other income | 172 | 270 | 249 | 256 | 295 | 307 | 256 | 296 |
| Net profit | 109 | 83 | 103 | 122 | 186 | 282 | 317 | 365 |
| EPS (₹) | 0.56 | 0.43 | 0.53 | 0.63 | 0.96 | 1.45 | 1.63 | 1.87 |
| Gross NPA % | 2.68 | 2.18 | 2.52 | 2.45 | 2.38 | 2.26 | 2.16 | 2.10 |
| Net NPA % | 0.56 | 0.49 | 0.70 | 0.67 | 0.57 | 0.43 | 0.34 | 0.31 |
| Revenue YoY | +10.1% | +19.4% | +25.1% | +28.0% | ||||
| Profit YoY | +71.0% | +238.1% | +206.7% | +199.9% |
Standalone figures where filed. Latest quarter Sep 2026.
Profit & loss (yearly)
| ₹ cr | FY21 | FY22 | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|---|---|
| Revenue | 2,806 | 2,813 | 5,677 | 6,354 | 6,931 | 7,809 |
| Net profit | 8 | -415 | 1,282 | 726 | 693 | 1,149 |
| EPS (₹) | 0.05 | -2.40 | 6.65 | 3.75 | 3.57 | 5.91 |
| Revenue growth | +0.2% | +101.8% | +11.9% | +9.1% | +20.8% | |
| Profit growth | -5,094.9% | – | -43.3% | -4.6% | +175.6% | |
| Dividend / share (₹) | – | – | 0.50 | 1.50 | – |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | +35.1% | – | +20.8% |
| Net profit | – | – | +175.6% |
| EPS | – | – | – |
| Share price | – | +25.3% (2y) | +20.3% |
Balance sheet
| ₹ cr | FY22 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Shareholders' equity | – | 5,613 | 6,083 | 6,816 |
| Borrowings | – | 2,171 | 2,845 | 3,736 |
| Cash & equivalents | – | 0 | 0 | 0 |
| Total assets | – | 40,422 | 47,689 | 57,541 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY22 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Cash from operations | 2,547 | 1,582 | 2,028 | 1,843 |
| Cash from investing | -841 | -854 | -1,793 | -2,481 |
| Cash from financing | -1,484 | -519 | 398 | 911 |
| Capex | 0 | 0 | 0 | 0 |
| Free cash flow | 2,547 | 1,582 | 2,028 | 1,843 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY22 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| ROE % | – | 22.8% | 11.9% | 10.2% |
Shareholding
| Holder | % (2026-09-30) |
|---|---|
| FIIs | 18.03% |
| DIIs | 36.01% |
| of which Mutual funds | 31.44% |
| of which Insurance | 3.10% |
| Government | 0.00% |
| Public (non-institutions) | 45.97% |
| Quarter | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Public holders above 1% | % |
|---|---|
| Axis Mutual Fund Trustee Limited A/C Axis Mutual Fund | 3.38% |
| Sundaram Mutual Fund A/C Sundaram Small CAP Fund | 3.31% |
| International Finance Corporation | 3.18% |
| Aditya Birla SUN Life Mutual Fund | 2.90% |
| Franklin India Opportunites Fund | 2.62% |
| Kotak Small CAP Fund | 2.36% |
| Canara Robeco Mutual Fund A/C | 2.04% |
| Mahindra Manulife Flexi CAP Fund | 1.79% |
| UTI Balanced Advantage Fund | 1.72% |
| Union Flexi CAP Fund | 1.67% |
| DSP BSE Midsmall Private Banks ETF | 1.64% |
| Kotak Mahindra Life Insurance Company Ltd. | 1.15% |
| Baroda BNP Paribas Retirement Fund | 1.02% |
7,61,998 shareholders. Pledged: – of promoter shares.
Peers in Other Bank
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| AUBANK | ₹65,086 cr | 22.7x | 3.3x | 15.4% | 1.49% | 2.10% | +31.4% | 0.11% |
| UJJIVANSFB | ₹10,731 cr | 9.3x | 1.4x | 16.6% | 1.83% | 2.10% | +35.1% | – |
| EQUITASBNK | ₹7,354 cr | 14.4x | 1.2x | 8.4% | 0.84% | 2.42% | +25.2% | 0.00% |
| JSFB | ₹3,989 cr | 10.5x | 0.9x | 8.8% | 0.80% | 2.39% | – | – |
| UTKARSHBNK | ₹2,086 cr | – | 0.8x | -32.9% | -3.27% | 6.09% | – | – |
| ESAFSFB | ₹1,932 cr | 17.4x | 1.1x | -0.3% | -0.02% | 5.40% | – | – |
| SURYODAY | ₹1,385 cr | 7.2x | 0.7x | 9.6% | 0.96% | 6.60% | +31.9% | – |
| CAPITALSFB | ₹1,187 cr | 7.9x | 0.8x | 10.8% | 1.24% | 2.47% | – | 1.53% |
| FINOPB | ₹995 cr | 47.6x | 1.2x | 2.7% | 0.39% | 0.00% | +91.0% | – |
Business segments (FY26)
| Segment | Revenue | Share | EBIT | Margin |
|---|---|---|---|---|
| Retail banking | ₹6,877 cr | 85.5% | ₹713 cr | 10.4% |
| Treasury | ₹936 cr | 11.6% | ₹128 cr | 13.7% |
| Wholesale banking | ₹226 cr | 2.8% | ₹125 cr | 55.5% |
Dividends & corporate actions
| Ex-date | Action | Detail |
|---|---|---|
| 2024-07-12 | Dividend | Dividend - Rs 1.50 Per Share |
| 2023-07-14 | Dividend | Dividend - Re 0.50 Per Share |
| 2023-03-01 | Dividend | Interim Dividend - Re 0.75 Per Share |
Documents
- Annual report FY26
- Annual report FY25
- Annual report FY24
- Annual report FY23
- Annual report FY22
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Banking: Banking activities by Central, Commercial and Saving banks
| Sector | Financial Services |
| Industry | Other Bank |
| Sub-industry | Other Bank |
| Symbol | UJJIVANSFB |
| BSE code | 542904 |
| ISIN | INE551W01018 |
| Face value | ₹10.0 |
| Incorporated | 2016-07-04 |
| Website | www.ujjivansfb.bank.in |
| Plants (India / abroad) | 0 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-22 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.