WEBSITE BSE:542904 NSE: UJJIVANSFB Inc. Year: 2016 Industry: Bank - Private My Bucket: Add Stock
Last updated: 15:58
No Notes Added Yet
Ujjivan Small Finance Bank Ltd provides numerous banking and financial offerings in India. The business enterprise operates thru Treasury, Retail Banking, and Corporate/Wholesale Banking segments. It provides savings, salary, current and NRI accounts; and fixed, routine, TASC fixed, and tax saver fixed deposits. The corporation’s mortgage merchandise consist of group loans, which includes commercial enterprise, family, agriculture and allied, education, GL top-up, emergency, and loyalty loans; individual loans comprising individual busin...Read More
Ujjivan Small Finance Bank Ltd provides numerous banking and financial offerings in India. The business enterprise operates thru Treasury, Retail Banking, and Corporate/Wholesale Banking segments. It provides savings, salary, current and NRI accounts; and fixed, routine, TASC fixed, and tax saver fixed deposits. The corporation’s mortgage merchandise consist of group loans, which includes commercial enterprise, family, agriculture and allied, education, GL top-up, emergency, and loyalty loans; individual loans comprising individual business, livestock, home improvement, agriculture, and bazar loans, as well as open market cattle mortgage and home development loans, housing loans, and gold loans. Its mortgage merchandise additionally include micro and small employer loans, which comprises loan towards assets, secured organization and enterprise loans, overdraft facilities, and commercial enterprise edge term loans; personal loans; monetary institutions group loans; emergency credit line guarantee scheme; and automobile loans. The agency also offers mobile, telephone, net, SMS, debit and credit cards; and insurance merchandise, which includes credit score lifestyles, endowment, term, POS, ULIP, motor, assets, home content material, health, and personal accident coverage. In addition, it's concerned in retail forex and exchange. As of March 31, 2021, the enterprise operated 575 banking outlets and 491 ATMs. The organisation was founded in 2016 and is based in Bengaluru, India. Ujjivan Small Finance Bank Ltd is a subsidiary of Ujjivan Financial Services Ltd. ...Read Less
Our experts help you choose the right stocks based on performance, risk, and growth potential.
Market Cap ₹11039 Cr.
Stock P/E 15.2
P/B 1.6
Current Price ₹56.8
Book Value ₹ 35.1
Face Value 10
52W High ₹68
Dividend Yield 0%
52W Low ₹ 41.4
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 1471 | 1529 | 1577 | 1613 | 1591 | 1573 | 1619 | 1682 | 1752 | 1878 |
| Other Income | 185 | 236 | 197 | 207 | 172 | 270 | 249 | 256 | 295 | 307 |
| Total Income | 1655 | 1765 | 1774 | 1820 | 1763 | 1843 | 1868 | 1939 | 2047 | 2185 |
| Interest Expense | 611 | 595 | 636 | 669 | 704 | 709 | 763 | 761 | 751 | 785 |
| Operating Expenditure | 587 | 651 | 629 | 690 | 700 | 774 | 744 | 783 | 856 | 885 |
| Provisions and contingencies | 63 | 79 | 110 | 151 | 223 | 265 | 225 | 235 | 195 | 144 |
| Operating Profit | 394 | 440 | 400 | 310 | 136 | 95 | 136 | 160 | 244 | 371 |
| Profit Before Tax | 394 | 440 | 400 | 310 | 136 | 95 | 136 | 160 | 244 | 371 |
| Provision for Tax | 94 | 110 | 99 | 77 | 28 | 12 | 32 | 39 | 59 | 89 |
| Profit After Tax | 300 | 330 | 301 | 233 | 109 | 83 | 103 | 122 | 186 | 282 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 300 | 330 | 301 | 233 | 109 | 83 | 103 | 122 | 186 | 282 |
| Adjusted Earnings Per Share | 1.5 | 1.7 | 1.6 | 1.2 | 0.6 | 0.4 | 0.5 | 0.6 | 1 | 1.5 |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 217 | 1467 | 1832 | 2704 | 2806 | 2813 | 4165 | 5677 | 6354 | 6931 |
| Other Income | 9 | 113 | 206 | 322 | 302 | 360 | 589 | 787 | 846 | 1107 |
| Total Income | 226 | 1579 | 2038 | 3026 | 3108 | 3173 | 4754 | 6464 | 7201 | 8039 |
| Interest Expense | 109 | 609 | 725 | 1070 | 1078 | 1039 | 1467 | 2268 | 2718 | 3060 |
| Operating Expenditure | 111 | 650 | 1003 | 1319 | 1230 | 1496 | 1802 | 2279 | 2793 | 3268 |
| Provisions and contingencies | 4 | 311 | 41 | 171 | 791 | 1187 | 18 | 215 | 748 | 799 |
| Operating Profit | 1 | 9 | 268 | 466 | 10 | -550 | 1467 | 1702 | 942 | 911 |
| Profit Before Tax | 1 | 9 | 268 | 466 | 10 | -550 | 1467 | 1702 | 942 | 911 |
| Provision for Tax | 1 | 2 | 69 | 116 | 2 | -136 | 367 | 421 | 215 | 219 |
| Profit After Tax | 0 | 7 | 199 | 350 | 8 | -415 | 1100 | 1281 | 726 | 693 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | 7 | 199 | 350 | 8 | -415 | 1100 | 1281 | 726 | 693 |
| Adjusted Earnings Per Share | 0 | 0 | 0 | 1.9 | 0 | -2.4 | 5.5 | 24.7 | 3.8 | 3.6 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 12% | 31% | 19% | 0% |
| Operating Profit CAGR | -45% | 0% | 15% | 0% |
| PAT CAGR | -43% | 0% | 16% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 29% | 20% | 14% | NA% |
| ROE Average | 14% | 27% | 13% | 10% |
| ROCE Average | 14% | 23% | 13% | 11% |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 0 | 1647 | 1820 | 3188 | 3219 | 2803 | 4209 | 5613 | 6083 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 206 | 3772 | 7379 | 10780 | 13136 | 18292 | 25538 | 31462 | 37630 |
| Borrowings | 6291 | 3853 | 4166 | 3953 | 3247 | 1764 | 2641 | 2171 | 2845 |
| Other Liabilities & Provisions | 298 | 201 | 377 | 490 | 779 | 754 | 929 | 1176 | 1130 |
| Total Liabilities | 8436 | 9473 | 13742 | 18411 | 20380 | 23612 | 33317 | 40422 | 47689 |
| Cash and balance with RBI | 261 | 198 | 446 | 1225 | 1712 | 1690 | 2305 | 2518 | 3133 |
| Bank Balance | 502 | 297 | 648 | 118 | 866 | 486 | 178 | 18 | 36 |
| Investments | 1447 | 1232 | 1527 | 2396 | 2516 | 4153 | 8510 | 9766 | 11730 |
| Advances | 5861 | 7335 | 10552 | 14044 | 14494 | 16303 | 21290 | 26883 | 31390 |
| Fixed Assets | 137 | 194 | 282 | 280 | 276 | 244 | 265 | 395 | 444 |
| Other Assets | 225 | 212 | 284 | 328 | 512 | 731 | 750 | 810 | 942 |
| Total Assets | 8436 | 9473 | 13742 | 18411 | 20380 | 23612 | 33317 | 40422 | 47689 |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 687 | 461 | 1078 | 1339 | 1933 | 2163 | 2314 | 2524 |
| Cash Flow from Operating Activities | -7084 | 2326 | 478 | 242 | 2657 | 2554 | 1060 | 1593 | 2028 |
| Cash Flow from Investing Activities | -161 | -101 | -148 | -757 | -1356 | -841 | -2096 | -865 | -1793 |
| Cash Flow from Financing Activities | 7931 | -2439 | 287 | 776 | -706 | -1484 | 1186 | -519 | 398 |
| Net Cash Inflow / Outflow | 687 | -213 | 617 | 261 | 595 | 230 | 151 | 210 | 633 |
| Closing Cash & Cash Equivalent | 687 | 473 | 1078 | 1339 | 1933 | 2163 | 2314 | 2524 | 3157 |
| # | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0 | 0 | 0 | 1.95 | 0.05 | -2.4 | 5.51 | 24.7 | 3.75 |
| CEPS(Rs) | 0.04 | 0.33 | 1.8 | 2.44 | 0.49 | -1.93 | 6.09 | 26.6 | 4.45 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 1.25 | 1.5 | 0 |
| Book NAV/Share(Rs) | 0 | 0 | 0 | 17.16 | 17.21 | 14.81 | 20.25 | 79.59 | 30.98 |
| Yield on Advances | 3.7 | 19.99 | 17.36 | 19.25 | 19.36 | 17.25 | 19.56 | 21.12 | 20.24 |
| Yield on Investments | 0.57 | 8.04 | 6.73 | 6.02 | 9.1 | 4.88 | 4.85 | 7.19 | 7.24 |
| Cost of Liabilities | 1.68 | 7.99 | 6.28 | 7.26 | 6.58 | 5.18 | 5.21 | 6.74 | 6.72 |
| NIM (Net Interest Margin) | 1.33 | 9.46 | 8.4 | 9.19 | 8.82 | 7.84 | 8.36 | 8.7 | 7.86 |
| Interest Spread | 2.02 | 12 | 11.08 | 11.99 | 12.78 | 12.07 | 14.36 | 14.38 | 13.53 |
| ROA(%) | 0 | 0.14 | 1.72 | 2.18 | 0.04 | -1.88 | 3.86 | 3.48 | 1.65 |
| ROE(%) | 0 | 0.48 | 12.99 | 15.26 | 0.28 | -14.98 | 33.75 | 31.7 | 14.35 |
| ROCE(%) | 1.75 | 8.59 | 11.08 | 12.26 | 4.51 | -7.33 | 28.36 | 26.5 | 13.89 |
| PER(x) | 0 | 0 | 0 | 14.07 | 635.42 | 0 | 4.59 | 1.79 | 9.17 |
| Price/Book(x) | 0 | 0 | 0 | 1.6 | 1.77 | 1 | 1.25 | 0.56 | 1.11 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 4.94 | 3.39 | 0 |
| EV/Net Sales(x) | 36.57 | 3.75 | 3.17 | 3.29 | 3.11 | 1.61 | 1.87 | 0.79 | 1.5 |
| EV/Core EBITDA(x) | 1489.03 | 17.19 | 18.79 | 13.95 | 10.89 | 7.1 | 5.24 | 2.33 | 5.62 |
| Interest Earned Growth(%) | 0 | 576.18 | 24.88 | 47.61 | 3.79 | 0.24 | 48.07 | 36.31 | 11.93 |
| Net Profit Growth | 0 | 0 | 2802.94 | 75.65 | -97.63 | -5096.93 | 365.3 | 16.51 | -43.34 |
| Advances Growth | 0 | 25.16 | 43.86 | 33.08 | 3.21 | 12.48 | 30.59 | 26.27 | 16.77 |
| EPS Growth(%) | 0 | 0 | 0 | 62.44 | -97.54 | -5097.5 | 329.89 | 347.99 | -84.81 |
| Loans/Deposits(x) | 3047.99 | 102.13 | 56.46 | 36.67 | 24.72 | 9.64 | 10.34 | 6.9 | 7.56 |
| Cash/Deposits(x) | 1.26 | 0.05 | 0.06 | 0.11 | 0.13 | 0.09 | 0.09 | 0.08 | 0.08 |
| Current Ratio(x) | 7.01 | 0.33 | 0.21 | 0.22 | 0.19 | 0.23 | 0.33 | 0.31 | 0.31 |
| Quick Ratio(x) | 3047.99 | 102.13 | 56.46 | 36.67 | 24.72 | 9.64 | 10.34 | 6.9 | 7.56 |
| CASA % | 1.57 | 3.68 | 10.63 | 13.54 | 20.55 | 27.3 | 26.41 | 26.7 | 25.56 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 73.6 | 73.52 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 3.7 | 3.49 | 24.68 | 20.63 | 17.88 | 19.51 | 19.56 | 17.04 | 15.45 | 17.23 |
| DII | 3.99 | 2.32 | 7.33 | 6.5 | 6.57 | 8.47 | 16.83 | 20.13 | 28.68 | 31.13 |
| Public | 18.71 | 20.67 | 67.99 | 72.87 | 75.55 | 72.03 | 63.62 | 62.83 | 55.87 | 51.64 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 144 | 144 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 7.24 | 6.83 | 47.69 | 39.9 | 34.59 | 37.75 | 37.85 | 33.01 | 29.95 | 33.47 |
| DII | 7.82 | 4.55 | 14.17 | 12.57 | 12.72 | 16.38 | 32.56 | 38.99 | 55.59 | 60.47 |
| Public | 36.6 | 40.5 | 131.4 | 140.95 | 146.15 | 139.37 | 123.12 | 121.71 | 108.31 | 100.33 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 195.65 | 195.88 | 193.26 | 193.42 | 193.45 | 193.5 | 193.53 | 193.72 | 193.85 | 194.27 |
* The pros and cons are machine generated.
You May Also Know About
Looking to buy unlisted shares or need guidance on the investment process? Our expert Private Equity Advisors are here to assist you with accurate information, real-time pricing, and seamless execution.
Want to sell unlisted shares, liquidate your ESOPs, or understand the step-by-step process of liquidation? Connect with our Buying Team for smooth coordination, quick evaluations, and end-to-end support.
Planning to build or grow your portfolio? For Mutual Fund investments, PMS solutions, tailored portfolio creation, and overall wealth management, our dedicated Wealth Team is ready to guide you.
ChatGPT
Claude
Perplexity
