Ujjivan Small Finance Bank Ltd (UJJIVANSFB)
₹64.36
Mkt cap
₹12,683 Cr
P/E ratio
14.00
P/B
1.83
Div yield
0.00%
ROE
10.80%
ROCE
7.73%
EPS (TTM)
₹4.60
Book value
₹35
52W range
43–72
Sector
Financial Services
Price history
Previous close
Ujjivan Small Finance Bank Limited is a mass market focused bank in India, catering to financially unserved and underserved segments and committed to building financial inclusion in the country. It started its operations as Ujjivan Financial Services Limited, a Non-Banking Financial Company in 2005 with the mission to provide financial services to the ‘economically active poor’ who were not adequately served by financial institutions. [1]
NSE UJJIVANSFBBSE 542904
Health check
Cautious
ValuationFair
ProfitabilityWeak
TechnicalsNeutral
52-week range
−11.19% from high₹64
₹43+51.19% from low₹72
Current
₹64.36
Prev close
₹64.96
Day
−0.92%
Price performance
1D
−0.92%
1W
−1.53%
1M
−7.74%
3M
+21.57%
6M
+15.24%
1Y
+49.43%
YTD
+15.53%
Financials
Revenue, profit & margin
P/E ratio
14.0×
UJJIVANSFB is 7% below the sector median of 15.0×
UJJIVANSFB14.0×
Sector median15.0×
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,287 | 1,391 | 1,471 | 1,529 | 1,577 | 1,613 | 1,591 | 1,573 | 1,619 | 1,682 | 1,752 | 1,878 | 2,025 | |
| Interest | 494 | 568 | 611 | 595 | 636 | 669 | 704 | 709 | 763 | 761 | 751 | 785 | 838 | |
| Expenses | 538 | 576 | 650 | 730 | 739 | 841 | 923 | 1,039 | 969 | 1,018 | 1,051 | 1,029 | 1,023 | |
| Financing Profit | 255 | 248 | 210 | 203 | 203 | 103 | -36 | -174 | -113 | -96 | -51 | 64 | 165 | |
| Financing Margin % | 20% | 18% | 14% | 13% | 13% | 6% | -2% | -11% | -7% | -6% | -3% | 3% | 8% | |
| Other Income | 177 | 189 | 185 | 236 | 197 | 207 | 172 | 270 | 249 | 256 | 295 | 307 | 256 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Profit before tax | 432 | 436 | 394 | 440 | 400 | 310 | 136 | 95 | 136 | 160 | 244 | 371 | 421 | |
| Tax % | 25% | 25% | 24% | 25% | 25% | 25% | 20% | 12% | 24% | 24% | 24% | 24% | 25% | |
| Net Profit | 324 | 328 | 300 | 330 | 301 | 233 | 109 | 83 | 103 | 122 | 186 | 282 | 317 | |
| EPS in Rs | 1.66 | 1.68 | 1.53 | 1.68 | 1.56 | 1.20 | 0.56 | 0.43 | 0.53 | 0.63 | 0.96 | 1.45 | 1.63 | |
| Gross NPA % | 2.62% | 2.35% | 2.18% | 2.23% | 2.52% | 2.52% | 2.68% | 2.18% | 2.52% | 2.45% | 2.38% | 2.26% | 2.16% | |
| Net NPA % | 0.06% | 0.09% | 0.17% | 0.28% | 0.41% | 0.56% | 0.56% | 0.49% | 0.70% | 0.67% | 0.57% | 0.43% | 0.34% | |
| Raw PDF |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
No reaction history yet.
No quarterly filings ingested yet.
Corporate actions
Last 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
as of Jun 20260.00%Promoter
Promoters0.00%
FIIs16.81%0.42
DIIs33.45%2.33
Public49.73%1.92
Ownership trend
Peers
7 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| AUBANK | ₹1,053.00 | 27.67 | 79,036 | 0.09% | 796 | +37.03% | 5,303 | +21.11% | 7.66% |
| UJJIVANSFB | ₹65.09 | 14.00 | 12,683 | 0.00% | 317 | +206.67% | 2,025 | +25.08% | 7.73% |
| EQUITASBNK | ₹73.35 | 16.44 | 8,391 | 0.00% | 184 | +182.06% | 1,960 | +18.89% | 6.43% |
| JSFB | ₹538.50 | 15.00 | 5,695 | 0.00% | 155 | +52.29% | 1,515 | +22.08% | 7.45% |
| UTKARSHBNK | ₹15.03 | — | 2,675 | 0.00% | −34 | +85.84% | 884 | +0.30% | 1.46% |
| ESAFSFB | ₹41.76 | — | 2,155 | 0.00% | 80 | +198.60% | 1,098 | +32.54% | 5.65% |
| SURYODAY | ₹152.21 | 8.43 | 1,618 | 0.99% | 75 | +113.10% | 622 | +25.69% | 7.33% |
| Median: 9 Co. | ₹138.90 | 15.00 | 2,675 | 0.00% | 80 | +85.84% | 1,098 | +21.11% | 7.07% |
Filings
Annual reports7
Concall transcripts68
TranscriptSep 2026RECSep 2026TranscriptJul 2026PPTJul 2026RECJul 2026TranscriptMay 2026PPTMay 2026RECMay 2026TranscriptJan 2026TranscriptJan 2026PPTJan 2026RECJan 2026TranscriptOct 2025PPTOct 2025RECOct 2025PPTSep 2025TranscriptJul 2025PPTJul 2025RECJul 2025PPTJun 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptJan 2025
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 6 Sep - Allotment of Equity Shares under the ESOP Scheme of the BankAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 4 SepTranscript Of Conference Call Held On September 01, 2026. 3 SepIntimation Of ESG Rating Received From NSE Sustainability Ratings And Analytics Limited 2 Sep - NSE Sustainability assigned Ujjivan Small Finance Bank ESG rating 72, category Leader, for FY2026.RBI Approval For Appointment Of Interim CEO 1 Sep - RBI approved Ms. Carol Furtado as interim CEO for three months from September 1, 2026.