UJJIVANSFB

UJJIVAN SMALL FINANC BANK·SMALL FINANCE BANKS - SFBS 47.44BANKS 52.98·Banks

2026-10-22 NSE BSE Result 16 Oct

Price

61.99

+2.54%
O:60.52
H:61.99
L:59.85
C:61.99

52W Range

49.2473.94
+26%/-16%

Market Cap

₹12,094.60 Cr

Traded: ₹100.48 Cr (0.83%) 0.0x

Free Float: ₹5,559.89 Cr (1.81% of FF traded)

Volume · 60D trend

1.65 Cr 0.0x

Delivery: % 0.0x

View Delivery Data

Returns

1W:+0% 1M:-6% 3M:-14% 6M:+6% 12M:-1%

RS Score

SEEM
NOUS
BNF
SMA Score

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Valuation

P/E10.5
P/B1.6
P/S--
EV/EBIT--

Business Strength

ROE10.8%
ROCE7.7%
OPM--
NPM--

Growth (3Y CAGR)

EPS-4.8%
Sales+19.0%
Profit-14.0%
3Y Return+3.0%

Balance Sheet

Debt/Equity7.2
Debt53,669 Cr
Pledge0.0%
CWIP/Fixed Asset0.0%

Cash Position

CFO/NP265.9%
FCF1,661 Cr
FCF 3Y Avg4,873 Cr
Cash/MCap25.0%

Others

Div Yield0.0%
Div Payout0.0%
Cash Conv. Cycle--
Tradeable Free Float46.0%
UJJIVANSFB61.99 2.54% NSEBSEF&O20% 16 Oct
NOUS
BNF
MCap12.1K Cr
Vol1.65 Cr
RVol
Del%
TVal100.48 Cr
RS
SEEM

MTF Exposure Trend

60 sessions · funded amount, % of FF, daily delta

Current
₹ 159.11 Cr
2.86% FF
60d high
₹ 186.91 Cr
60d low
₹ 122.10 Cr
60d mean
₹ 143.59 Cr
vs mean
▲ 10.81%

Growth Trends

Metric10Y5Y3Y1YTTMTrend
Sales
--
+20.0%
+19.0%
--
+21.0%
Stable
Return
--
+23.0%
+3.0%
+29.0%
--
Stable
ROE
+12.0%
+15.0%
+16.0%
--
--
Accelerating
Profit
--
+194.0%
-14.0%
--
+176.0%
Stable

Quarterly Results

Sep 2026

16 Oct
Rev
--
----
OPM--
NPM--
PAT
+200% YoY▲365 Cr
EPS
+197% YoY▲1.9

Jun 2026

23 Jul
Rev
--
----
OPM--
NPM--
PAT
+207% YoY▲317 Cr
EPS
+208% YoY▲1.6

Mar 2026

PDF
Rev
--
----
OPM--
NPM--
PAT
+238% YoY▲282 Cr
EPS
+237% YoY▲1.4

Dec 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
+71% YoY▲186 Cr
EPS
+71% YoY▲1.0

Sep 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
-48% YoY▲122 Cr
EPS
-48% YoY▲0.6

Jun 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
-66% YoY▲103 Cr
EPS
-66% YoY▲0.5

Mar 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
-75% YoY▼83 Cr
EPS
-74% YoY▼0.4

Dec 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
-64% YoY▼109 Cr
EPS
-63% YoY▼0.6

Sep 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
-29% YoY▼233 Cr
EPS
-29% YoY▼1.2

Jun 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
-7% YoY▼301 Cr
EPS
-6% YoY▼1.6

Mar 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
+6% YoY▲330 Cr
EPS
+6% YoY▲1.7

Dec 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+2% YoY▼300 Cr
EPS
--▼1.5

Sep 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+11% YoY▲328 Cr
EPS
--▲1.7

Jun 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+60% YoY▲324 Cr
EPS
--▲1.7

Mar 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+145% YoY310 Cr
EPS
--1.6

Revenue & Margin Trends

Annual

Quarterly

Balance Sheet Health

Leverage

Debt / Equity0.00
Interest Coverage6.1x
Promoter Pledge0.0%
Borrowings--

Efficiency

Receivable Days days
Inventory Days days
Payable Days days
Cash Conversion cycle days

Cash Position

Operating Cash Flow1.8K Cr
Investing Cash Flow-2.5K Cr
Financing Cash Flow911 Cr
Free Cash Flow1.7K Cr

Detailed Financials

Sep 2026PDF ↗
Jun 2026PDF ↗
Mar 2026PDF ↗
Dec 2025PDF ↗
Sep 2025PDF ↗
Jun 2025PDF ↗
Mar 2025PDF ↗
Dec 2024PDF ↗
Sep 2024PDF ↗
Jun 2024PDF ↗
Mar 2024PDF ↗
Dec 2023PDF ↗
Sep 2023PDF ↗
Jun 2023PDF ↗
Mar 2023PDF ↗
Sales------------------------------
Expenses1,0531,0231,0291,0511,0189691,039923841739730650576538505
Operating Profit------------------------------
Other Income296256307295256249270172207197236185189177179
Interest905838785751761763709704669636595611568494447
Depreciation000000000000000
Profit Before Tax49142137124416013695136310400440394436432412
Tax %26.0%25.0%24.0%24.0%24.0%24.0%12.0%20.0%25.0%25.0%25.0%24.0%25.0%25.0%25.0%
Net Profit36531728218612210383109233301330300328324310
Exceptional Items------------------------------
EPS (Rs)1.91.61.41.00.60.50.40.61.21.61.71.51.71.71.6
Sales Growth (YoY)------------------------------
Sales Growth (QoQ)------------------------------
OP Growth (YoY)------------------------------
OP Growth (QoQ)------------------------------
Profit Growth (YoY)200.0%207.0%238.0%71.0%-48.0%-66.0%-75.0%-64.0%-29.0%-7.0%6.0%2.0%11.0%60.0%145.0%
EPS Growth (YoY)196.8%207.6%237.2%71.4%-47.5%-66.0%-74.4%-63.4%-28.6%-6.0%6.3%--------
EPS Growth (QoQ)14.7%12.4%51.0%52.4%18.9%23.3%-23.2%-53.3%-23.1%-7.1%9.8%-8.9%1.2%5.1%--
OP Margin------------------------------
Net Margin------------------------------
Material Cost %------------------------------
Employee Cost %23.8%24.9%25.0%27.1%25.9%25.4%26.7%23.3%22.8%21.6%21.4%21.4%19.7%20.9%21.4%
P/S------------------------------
P/E10.4913.8118.22------------------------
P/B1.631.851.88------------------------

Shareholding Pattern

Shareholders:7.6L (+173.8%)
Current MixSep 2026

Exchange Filings

50
Company Update22 Oct 2026

Transcript of earnings call held on October 16, 2026 for the quarter and half-year ended September 30, 2026

Company Update20 Oct 2026

Newspaper Publication post dispatch of EGM Notice

AGM/EGM19 Oct 2026

Dispatch of Notice of Extraordinary General Meeting to be held on November 13, 2026 through video conferencing and other audio visual means

Company Update17 Oct 2026

Newspaper publication of financial results for the quarter and half-year ended September 30, 2026

Company Update17 Oct 2026

Newspaper Publication prior to dispatch of EGM Notice

Company Update16 Oct 2026

Disclosure of Audio Recording of Earnings/Quarterly Call held on October 16, 2026

Company Update16 Oct 2026

Intimation of ESOP Grant

Company Update16 Oct 2026

Intimation regarding execution of subscription agreement and policy agreement with International Finance Corporation

Company Update16 Oct 2026

Press release on the performance of the Bank for the quarter and half year ended September 30, 2026

Company Update16 Oct 2026

Investor presentation on the performance of the Bank for the quarter and half-year ended September 30, 2026

Result16 Oct 2026

Financial Results for the quarter and half year ended September 30, 2026

Board Meeting16 Oct 2026

Intimation of approval of Board for issuance of equity shares by way of Preferential Issue

Company Update15 Oct 2026

Intimation regarding direct assignment transaction

Board Meeting13 Oct 2026

Ujjivan Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 16/10/2026 ,inter alia, to consider and approve Update on board ....

Company Update09 Oct 2026

Allotment of equity shares under ESOP scheme of the Bank

Company Update08 Oct 2026

Intimation of quarterly earnings call to be held on October 16, 2026

Board Meeting07 Oct 2026

Ujjivan Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 16/10/2026 ,inter alia, to consider and approve financial results ....

Company Update06 Oct 2026

Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018

Company Update05 Oct 2026

Credit Rating Update

Company Update03 Oct 2026

Key Business Update Q2 FY2026-27

Company Update23 Sept 2026

Intimation of Investor Meet

Company Update21 Sept 2026

Intimation regarding Investor Meet

Company Update18 Sept 2026

Intimation regarding Press Release issued by the Bank

Company Update17 Sept 2026

Intimation of Non-Deal Roadshow

Company Update16 Sept 2026

Intimation of Credit Rating received from ICRA

Company Update15 Sept 2026

Intimation of Investor Meetings

Company Update11 Sept 2026

Intimation regarding Investor Meetings

Company Update08 Sept 2026

Intimation of Investor meetings

Company Update06 Sept 2026

Allotment of Equity Shares under the ESOP Scheme of the Bank

Company Update04 Sept 2026

Intimation regarding investor meetings.

Company Update03 Sept 2026

Transcript of conference call held on September 01, 2026.

Company Update02 Sept 2026

Intimation of ESG Rating received from NSE Sustainability Ratings and Analytics Limited

Company Update01 Sept 2026

Disclosure of Audio Recording of Call held on September 01, 2026

Company Update01 Sept 2026

RBI Approval for appointment of interim CEO

Company Update01 Sept 2026

Intimation regarding invite of Conference call

Company Update01 Sept 2026

Intimation regarding Change in Directorate

Company Update01 Sept 2026

Appointment of Mr. Vikas Agrawal as Business Head - MSME

Company Update31 Aug 2026

Intimation of Investor Meet scheduled to be held on September 03, 2026

Company Update17 Aug 2026

Intimation regarding Investor Meetings

Company Update17 Aug 2026

Grant of stock options under ESOP Scheme of the Bank

Company Update14 Aug 2026

Intimation of ESG Rating received from ICRA ESG Ratings

Company Update10 Aug 2026

Intimation of Investor Meet

Company Update06 Aug 2026

Allotment of equity shares under ESOP scheme of the Bank

Company Update24 Jul 2026

Newspaper publication of Financial Results for the quarter ended June 30, 2026

AGM/EGM24 Jul 2026

Outcome and proceedings of 10th AGM held on July 24, 2026

AGM/EGM24 Jul 2026

Voting Results and Scrutinizer''s Report dated July 24, 2026

Result23 Jul 2026

Financial Results for the quarter ended June 30, 2026

Company Update23 Jul 2026

Investor Presentation on the Financial Performance of the Bank for the quarter ended June 30, 2026

Company Update23 Jul 2026

Press Release on financial performance of the Bank for the quarter ended June 30, 2026

Company Update23 Jul 2026

Investor Presentation on financial performance of the Bank for the quarter ended June 30, 2026

Annual Reports

7

Credit Ratings

6
careRating update
02 Dec 2025Report
careRating update
02 Dec 2025Report
careRating update
26 Mar 2025Report
crisilRating update
09 Jan 2025Report
careRating update
23 May 2024Report
crisilRating update

Concalls

33

Jan 2026

31 Jan 2026

Jan 2026

31 Jan 2026

Oct 2025

31 Oct 2025

Sep 2025

30 Sept 2025

Jul 2025

31 Jul 2025

Jun 2025

30 Jun 2025

May 2025

31 May 2025

Jan 2025

31 Jan 2025

Oct 2024

31 Oct 2024

Jul 2024

31 Jul 2024

Jun 2024

30 Jun 2024

Jun 2024

30 Jun 2024

May 2024

31 May 2024

Jan 2024

31 Jan 2024

Oct 2023

31 Oct 2023

Aug 2023

31 Aug 2023

May 2023

31 May 2023

Feb 2023

28 Feb 2023

Nov 2022

30 Nov 2022

Jul 2022

31 Jul 2022

May 2022

31 May 2022

Feb 2022

28 Feb 2022

Nov 2021

30 Nov 2021

Aug 2021

31 Aug 2021

Aug 2021

31 Aug 2021

May 2021

31 May 2021

Mar 2021

31 Mar 2021

Feb 2021

28 Feb 2021

Nov 2020

30 Nov 2020

Aug 2020

31 Aug 2020

May 2020

31 May 2020

Mar 2020

31 Mar 2020

Jan 2020

31 Jan 2020

Held by ETFs

1 ETFs hold ujjivansfb · sorted by weight

#ETFWeight %
1

AONETOTAL

AONEAMC - AONETOTAL

0.06%

Held by Mutual Funds

86 schemes hold ujjivansfb · sorted by weight

#SchemeWeight %
1

JM Focused Direct Plan-Growth

JM Financial Mutual Fund

5.21%
2

Sundaram Long Term Tax Advantage Fund

Sundaram Mutual Fund

4.56%
3

DSP Banking & Financial Services Fund

DSP Mutual Fund

4.02%
4

Groww Banking & Financial Services Fund

Groww Mutual Fund

3.73%
5

Canara Robeco Banking And Financial Services Fund

Canara Robeco Mutual Fund

3.64%
6

Sundaram Long Term Micro Cap Tax Advantage Fund

Sundaram Mutual Fund

3.50%
7

Motilal Oswal Financial Services Fund

Motilal Oswal Mutual Fund

3.39%
8

Mahindra Manulife Banking & Financial Services Fund

Mahindra Manulife Mutual Fund

3.24%
9

Groww Small Cap Fund

Groww Mutual Fund

3.19%
10

Union Focused Fund

Union Mutual Fund

2.91%
11

Sundaram Financial Services Opportunities Fund

Sundaram Mutual Fund

2.83%
12

Baroda BNP Paribas Banking and Financial Services Direct-Growth

Baroda BNP Paribas Mutual Fund

2.80%
13

Sundaram Business Cycle Fund

Sundaram Mutual Fund

2.68%
14

Groww Multicap Fund

Groww Mutual Fund

2.56%
15

JM Multi Asset Allocation Fund

JM Financial Mutual Fund

2.53%
16

Baroda BNP Paribas Small Cap Fund

Baroda BNP Paribas Mutual Fund

2.53%
17

Union Small Cap Fund

Union Mutual Fund

2.36%
18

Sundaram Large and Mid Cap Fund

Sundaram Mutual Fund

2.31%
19

Union Business Cycle Fund

Union Mutual Fund

2.06%
20

Mahindra Manulife Small Cap Fund

Mahindra Manulife Mutual Fund

1.99%
21

Aditya Birla Sun Life Small Cap Fund

Aditya Birla Sun Life Mutual Fund

1.95%
22

Kotak Banking & Financial Services Fund

Kotak Mahindra Mutual Fund

1.93%
23

JM Aggressive Hybrid Fund

JM Financial Mutual Fund

1.90%
24

Baroda BNP Paribas Innovation Fund

Baroda BNP Paribas Mutual Fund

1.86%
25

Groww Value Fund

Groww Mutual Fund

1.82%
26

Altiva Equity Ex-Top 100 Long-Short Fund

Edelweiss Mutual Fund

1.77%
27

Franklin India Opportunities Direct Fund

Franklin Templeton Mutual Fund

1.74%
28

Union Value Fund

Union Mutual Fund

1.72%
29

Motilal Oswal Multi Cap Fund

Motilal Oswal Mutual Fund

1.67%
30

Baroda BNP Paribas Midcap Fund

BNP Paribas Mutual Fund

1.66%
31

Baroda BNP Paribas ELSS Tax Saver Fund

BNP Paribas Mutual Fund

1.65%
32

Union Flexi Cap Fund

Union Mutual Fund

1.64%
33

WhiteOak Capital Banking & Financial Services Fund

WhiteOak Capital Mutual Fund

1.61%
34

Union Multicap Fund

Union Mutual Fund

1.60%
35

Union Children's Fund

Union Mutual Fund

1.59%
36

ITI Banking and Financial Services Fund

ITI Mutual Fund

1.57%
37

Sundaram Small Cap Fund

Sundaram Mutual Fund

1.57%
38

Union ELSS Tax Saver Fund

Union Mutual Fund

1.54%
39

Union Aggressive Hybrid Fund

Union Mutual Fund

1.53%
40

Union Large & Midcap Fund

Union Mutual Fund

1.51%
41

Baroda BNP Paribas Children's Fund

Baroda BNP Paribas Mutual Fund

1.49%
42

Union Midcap Fund

Union Mutual Fund

1.46%
43

ITI Value Fund

ITI Mutual Fund

1.43%
44

Kotak Small Cap Fund

Kotak Mahindra Mutual Fund

1.37%
45

JM Flexi Cap Fund

JM Financial Mutual Fund

1.31%
46

Franklin India Small Cap Fund

Franklin Templeton Mutual Fund

1.29%
47

Motilal Oswal Nifty Microcap 250 Index Fund

Motilal Oswal Mutual Fund

1.25%
48

Aditya Birla Sun Life Special Opportunities Fund

Aditya Birla Sun Life Mutual Fund

1.23%
49

Canara Robeco Small Cap Fund

Canara Robeco Mutual Fund

1.19%
50

Baroda BNP Paribas Retirement Fund

Baroda BNP Paribas Mutual Fund

1.19%
51

Sundaram Services Fund

Sundaram Mutual Fund

1.13%
52

Mahindra Manulife Multi Cap Fund

Mahindra Mutual Fund

1.13%
53

ITI Balanced Advantage Fund

ITI Mutual Fund

1.06%
54

Union Equity Savings Fund

Union Mutual Fund

1.04%
55

Bank of India Small Cap Fund

Bank of India Mutual Fund

1.03%
56

LIC MF Large Cap Fund

LIC Mutual Fund

1.00%
57

Franklin India Multi Cap Fund

Franklin Templeton Mutual Fund

0.96%
58

ITI Large & Mid Cap Fund

ITI Mutual Fund

0.93%
59

Aditya Birla Sun Life Multi-Cap Fund

Aditya Birla Sun Life Mutual Fund

0.92%
60

ITI Small Cap Fund

ITI Mutual Fund

0.91%
61

Mahindra Manulife Business Cycle Fund

Mahindra Manulife Mutual Fund

0.88%
62

Tata Multicap Fund

Tata Mutual Fund

0.87%
63

Kotak Dividend Yield Fund

Kotak Mahindra Mutual Fund

0.83%
64

Aditya Birla Sun Life Banking & Financial Services Fund

Aditya Birla Sun Life Mutual Fund

0.81%
65

Bandhan Financial Services Fund

Bandhan Mutual Fund

0.76%
66

Baroda BNP Paribas Equity Savings Fund

Baroda Mutual Fund

0.76%
67

Axis Flexi Cap Fund

Axis Mutual Fund

0.75%
68

Kotak Services Fund

Kotak Mahindra Mutual Fund

0.75%
69

Mahindra Manulife Value Fund

Mahindra Manulife Mutual Fund

0.69%
70

PGIM India Small Cap Fund

PGIM India Mutual Fund

0.69%
71

Tata India Innovation Fund

Tata Mutual Fund

0.66%
72

Axis Value Fund

Axis Mutual Fund

0.65%
73

Axis Multicap Fund

Axis Mutual Fund

0.58%
74

Bandhan Midcap Fund

IDFC Mutual Fund

0.52%
75

Axis Small Cap Fund

Axis Mutual Fund

0.50%
76

Edelweiss Multi Cap Fund

Edelweiss Mutual Fund

0.48%
77

Union Balanced Advantage Fund

Union Mutual Fund

0.48%
78

Canara Robeco Multi Cap Fund

Canara Robeco Mutual Fund

0.45%
79

Union Multi Asset Allocation Fund

Union Mutual Fund

0.45%
80

Baroda BNP Paribas Conservative Hybrid Fund

BNP Paribas Mutual Fund

0.44%
81

UTI Quant Fund

UTI Mutual Fund

0.26%
82

Bandhan Small Cap Fund

IDFC Mutual Fund

0.22%
83

Bandhan Multi Asset Allocation Fund

Bandhan Mutual Fund

0.21%
84

Groww Nifty Total Market Index Fund

Groww Mutual Fund

0.05%
85

Motilal Oswal BSE 1000 Index Fund

Motilal Oswal Mutual Fund

0.05%
86

Bandhan Nifty Total Market Index Fund

Bandhan Mutual Fund

0.05%