Ujjivan Small Finance Bank Ltd (UJJIVANSFB)
₹70.72
Mkt cap
₹12,745 Cr
P/E ratio
18.40
P/B
2.01
Div yield
0.00%
ROE
10.80%
ROCE
7.73%
EPS (TTM)
₹3.84
Book value
₹35
52W range
42–71
Sector
Financial Services
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]
Health check
Mixed
ValuationFair
ProfitabilityWeak
TechnicalsBullish
52-week range
−0.03% from high₹71
₹42+69.71% from low₹71
Current
₹70.72
Prev close
₹70.74
Day
−0.03%
Price performance
1D
−0.03%
1W
+7.79%
1M
+25.97%
3M
+24.53%
6M
+22.16%
1Y
+44.06%
YTD
+26.94%
Financials
FRevenue, profit & margin
P/E ratio
18.4×
UJJIVANSFB is 0% above the sector median of 18.4×
UJJIVANSFB18.4×
Sector median18.4×
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,185 | 1,287 | 1,391 | 1,471 | 1,529 | 1,577 | 1,613 | 1,591 | 1,573 | 1,619 | 1,682 | 1,752 | 1,878 | |
| Interest | 447 | 494 | 568 | 611 | 595 | 636 | 669 | 704 | 709 | 763 | 761 | 751 | 785 | |
| Expenses | 505 | 538 | 576 | 650 | 730 | 739 | 841 | 923 | 1,039 | 969 | 1,018 | 1,051 | 1,029 | |
| Financing Profit | 233 | 255 | 248 | 210 | 203 | 203 | 103 | -36 | -174 | -113 | -96 | -51 | 64 | |
| Financing Margin % | 20% | 20% | 18% | 14% | 13% | 13% | 6% | -2% | -11% | -7% | -6% | -3% | 3% | |
| Other Income | 179 | 177 | 189 | 185 | 236 | 197 | 207 | 172 | 270 | 249 | 256 | 295 | 307 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Profit before tax | 412 | 432 | 436 | 394 | 440 | 400 | 310 | 136 | 95 | 136 | 160 | 244 | 371 | |
| Tax % | 25% | 25% | 25% | 24% | 25% | 25% | 25% | 20% | 12% | 24% | 24% | 24% | 24% | |
| Net Profit | 310 | 324 | 328 | 300 | 330 | 301 | 233 | 109 | 83 | 103 | 122 | 186 | 282 | |
| EPS in Rs | 1.58 | 1.66 | 1.68 | 1.53 | 1.68 | 1.56 | 1.20 | 0.56 | 0.43 | 0.53 | 0.63 | 0.96 | 1.45 | |
| Gross NPA % | 2.88% | 2.62% | 2.35% | 2.18% | 2.23% | 2.52% | 2.52% | 2.68% | 2.18% | 2.52% | 2.45% | 2.38% | 2.26% | |
| Net NPA % | 0.04% | 0.06% | 0.09% | 0.17% | 0.28% | 0.41% | 0.56% | 0.56% | 0.49% | 0.70% | 0.67% | 0.57% | 0.43% | |
| Raw PDF |
Earnings
EResults 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
CLast 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
Sas of Jun 20260.00%Promoter
Promoters0.00%
FIIs16.81%0.42
DIIs33.45%2.33
Public49.73%1.92
Ownership trend
Peers
P7 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 |
|---|---|---|---|---|---|---|---|---|---|
| AU Small Finance | ₹1,040.60 | 29.51 | 77,953 | 0.10% | 832 | +65.15% | 5,019 | +17.53% | 7.66% |
| Ujjivan Small | ₹65.51 | 18.38 | 12,745 | 0.00% | 282 | +238.13% | 1,878 | +19.39% | 7.73% |
| Equitas Sma. Fin | ₹79.89 | 88.62 | 9,135 | 0.00% | 213 | +405.06% | 1,836 | +11.70% | 6.44% |
| Jana Small Finan | ₹488.90 | 13.56 | 5,150 | 0.00% | 155 | +52.29% | 1,515 | +22.08% | 7.45% |
| Utkarsh Small F. | ₹14.97 | — | 2,662 | 0.00% | −188 | −6,430.64% | 837 | −4.87% | 1.46% |
| Suryoday Small | ₹189.21 | 13.25 | 2,013 | 0.79% | 50 | +247.19% | 602 | +27.84% | 7.33% |
| ESAF Small Fin | ₹35.81 | — | 1,851 | 0.00% | 24 | +112.83% | 995 | +11.55% | 5.64% |
| Median: 9 Co. | ₹170.77 | 18.38 | 2,662 | 0.00% | 50 | +65.15% | 995 | +18.01% | 7.07% |
Filings
DAnnual reports7
Concall transcripts63
TranscriptMay 2026PPTMay 2026RECMay 2026TranscriptJan 2026TranscriptJan 2026PPTJan 2026RECJan 2026TranscriptOct 2025PPTOct 2025RECOct 2025PPTSep 2025TranscriptJul 2025PPTJul 2025RECJul 2025PPTJun 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptJan 2025PPTJan 2025RECJan 2025TranscriptOct 2024PPTOct 2024RECOct 2024
Credit ratings6
Announcements5
Grant Of Stock Options Under ESOP Scheme Of The Bank 15mResponse To Institutional Investor Advisory Services India Voting Recommendation Letter Dated July 9, 2026 Received On July 11, 2026 1d - Bank clarifies RSU Plan 2026 vesting conditions and annual disclosure commitments for AGM Resolution 4.ESG Rating Received From SES ESG Research Pvt. Ltd. For FY 2025-26 1d - SES ESG assigned Ujjivan Small Finance Bank an ESG rating of 77.3 for FY2025-26, up 4.1% YoY.Rumour verification - Regulation 30(11) 9 Jul - Bank clarifies mutual fund distribution rollout; expected annual revenue of Rs 1-2 croreRs 200 crore AUM.Clarification sought from Ujjivan Small Finance Bank Ltd 9 Jul - Exchange has sought clarification from Ujjivan Small Finance Bank Ltd on July 09, 2026, with reference to news appeared in https://bfsi.economictimes.indiatimes.com/ dated July 09, ....