Ujjivan Small Finance Bank Ltd (UJJIVANSFB)
₹53.09
Mkt cap
₹10,368 Cr
P/E ratio
9.02
P/B
1.39
Div yield
0.00%
ROE
10.80%
ROCE
7.73%
EPS (TTM)
₹5.89
Book value
₹38
52W range
49–74
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
−28.20% from high₹53
₹49+7.82% from low₹74
Current
₹53.09
Prev close
₹56.13
Day
−5.42%
Price performance
1D
−5.42%
1W
−8.62%
1M
−18.65%
3M
−24.51%
6M
−6.60%
1Y
+2.29%
YTD
−4.70%
Financials
Revenue, profit & margin
P/E ratio
9.0×
UJJIVANSFB is 8% above the sector median of 8.3×
UJJIVANSFB9.0×
Sector median8.3×
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,391 | 1,471 | 1,529 | 1,577 | 1,613 | 1,591 | 1,573 | 1,619 | 1,682 | 1,752 | 1,878 | 2,025 | 2,153 | |
| Interest | 568 | 611 | 595 | 636 | 669 | 704 | 709 | 763 | 761 | 751 | 785 | 838 | 905 | |
| Expenses | 576 | 650 | 730 | 739 | 841 | 923 | 1,039 | 969 | 1,018 | 1,051 | 1,029 | 1,023 | 1,053 | |
| Financing Profit | 248 | 210 | 203 | 203 | 103 | -36 | -174 | -113 | -96 | -51 | 64 | 165 | 195 | |
| Financing Margin % | 18% | 14% | 13% | 13% | 6% | -2% | -11% | -7% | -6% | -3% | 3% | 8% | 9% | |
| Other Income | 189 | 185 | 236 | 197 | 207 | 172 | 270 | 249 | 256 | 295 | 307 | 256 | 296 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Profit before tax | 436 | 394 | 440 | 400 | 310 | 136 | 95 | 136 | 160 | 244 | 371 | 421 | 491 | |
| Tax % | 25% | 24% | 25% | 25% | 25% | 20% | 12% | 24% | 24% | 24% | 24% | 25% | 26% | |
| Net Profit | 328 | 300 | 330 | 301 | 233 | 109 | 83 | 103 | 122 | 186 | 282 | 317 | 365 | |
| EPS in Rs | 1.68 | 1.53 | 1.68 | 1.56 | 1.20 | 0.56 | 0.43 | 0.53 | 0.63 | 0.96 | 1.45 | 1.63 | 1.87 | |
| Gross NPA % | 2.35% | 2.18% | 2.23% | 2.52% | 2.52% | 2.68% | 2.18% | 2.52% | 2.45% | 2.38% | 2.26% | 2.16% | 2.10% | |
| Net NPA % | 0.09% | 0.17% | 0.28% | 0.41% | 0.56% | 0.56% | 0.49% | 0.70% | 0.67% | 0.57% | 0.43% | 0.34% | 0.31% | |
| 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.
Avg earnings-day move −0.08% · closed higher next day 0 of last 1
| Q2FY27 | |
|---|---|
| Broadcast | 16 Oct '26 |
| Earnings day | −0.08% |
| +1 day | −4.43% |
| +5 days | −12.36% |
| +15 days | — |
| +30 days | — |
| Filing | XBRL |
Corporate actions
Last 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
as of Sep 20260.00%Promoter
Promoters0.00%
FIIs18.03%1.22
DIIs36.00%2.55
Public45.97%3.76
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 |
|---|---|---|---|---|---|---|---|---|---|
| AU Small Finance | ₹864.00 | 20.60 | 64,953 | 0.12% | 858 | +52.92% | 5,612 | +24.40% | 7.66% |
| Ujjivan Small | ₹53.09 | 9.02 | 10,368 | 0.00% | 365 | +199.91% | 2,153 | +28.00% | 7.73% |
| Equitas Sma. Fin | ₹53.59 | 8.70 | 6,131 | 0.00% | 218 | +803.23% | 2,066 | +27.74% | 6.43% |
| Jana Small Finan | ₹373.50 | 8.32 | 3,953 | 0.00% | 170 | +127.18% | 1,587 | +22.62% | 7.45% |
| ESAF Small Fin | ₹42.46 | 8.09 | 2,192 | 0.00% | 160 | +238.30% | 1,175 | +43.29% | 5.65% |
| Utkarsh Small F. | ₹11.46 | — | 2,039 | 0.00% | −34 | +85.84% | 884 | +0.30% | 1.46% |
| Suryoday Small | ₹134.73 | 6.02 | 1,432 | 1.11% | 77 | +151.73% | 703 | +35.25% | 7.33% |
| Median: 9 Co. | ₹116.83 | 8.32 | 2,192 | 0.00% | 160 | +127.18% | 1,175 | +24.40% | 7.07% |
Filings
Annual reports7
Concall transcripts71
TranscriptOct 2026PPTOct 2026RECOct 2026TranscriptSep 2026RECSep 2026TranscriptJul 2026PPTJul 2026RECJul 2026TranscriptMay 2026PPTMay 2026RECMay 2026TranscriptJan 2026TranscriptJan 2026PPTJan 2026RECJan 2026TranscriptOct 2025PPTOct 2025RECOct 2025PPTSep 2025TranscriptJul 2025PPTJul 2025RECJul 2025PPTJun 2025TranscriptMay 2025
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Change in Management 30 Oct - Head of Internal Audit Ms. Vijayalakshmi Muddu retires voluntarily effective October 30, 2026.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 27 Oct - Ujjivan SFB scheduled investor meeting with Flowering Tree Investment on 30 Oct 2026 in Bangalore.Announcement under Regulation 30 (LODR)-Earnings Call Transcript 22 Oct - Transcript of earnings call held on October 16, 2026 for the quarter and half-year ended September 30, 2026Announcement under Regulation 30 (LODR)-Newspaper Publication 20 Oct - Newspaper Publication post dispatch of EGM NoticeDispatch Of Notice Of Extraordinary General Meeting To Be Held On November 13, 2026 19 Oct - EGM on Nov 13, 2026 for up to 6.32 crore shares, raising about Rs 409.04 crore.