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Ujjivan Small

Q1 FY27Banks

Ujjivan Small Q1 FY27 earnings call: Revenue & Margins

Q1 FY27 earnings call: what management said on revenue, margins and capex.

Price₹63
Market cap₹12.3K Cr
P/E13.6
Updated16 Oct 2026
Read3 min read

What the Q1 FY27 call signalled

1 of 3 strong

RevenueModerate growth
MarginMargins steady
CapexCapex planned

The short version

Ujjivan Small Finance Bank remains confident in delivering strong performance in FY27 and beyond.

From Ujjivan Small's Q1 FY27 earnings-call transcript · updated 16 Oct 2026.

Revenue & Sales Performance

Moderate growth
  • Ujjivan Small Finance Bank remains confident in delivering strong performance in FY27 and beyond.
  • Loan book growth recorded approximately 29% year-on-year in Q1, indicating strong momentum.
  • The secured loan book has grown to over 50% of the total, reflecting strategic diversification.
  • CASA deposits grew at a healthy 38% year-on-year with a cost of funds at 6.9%, supporting growth.
  • Asset quality trends are stable or better than Q1 levels, signaling sound credit performance.

2 more points from Ujjivan Small's call on revenue

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Profitability & Margins

See what Ujjivan Small said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

Capex planned
  • Carol Furtado highlighted that the bank’s strategic diversification is "well on its trajectory," implying ongoing investments in business mix and growth areas.
  • The bank remains well capitalized to meet FY27 growth plans, indicating readiness to support necessary investments.
  • No delays in capital raising are expected to impact FY27 performance or growth momentum, suggesting capital availability for planned expenditures.

2 more points from Ujjivan Small's call on capex

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Top-ranked in Banks

Ranked on what management guided this quarter

Guidance-ranked
1Canara Bank
Rev 2Mar 3
2AU Small Finance Bank Ltd
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what Ujjivan Small said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The discussion primarily focuses on: - Management changes and leadership transition. - Business strategy and growth plans for FY27. - Capital raising and funding plans.

2 more points from Ujjivan Small's call on order book

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What Ujjivan Small's management said in earlier quarters

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Frequently Asked Questions

What were Ujjivan Small Q1 FY27 results?

Ujjivan Small Finance Bank remains confident in delivering strong performance in FY27 and beyond.

What is Ujjivan Small share price analysis?

Ujjivan Small currently shows a below-average growth signal. The stock trades at a P/E of 13.6 with a market cap of ₹12,325 Cr. Investors should review the full earnings analysis for detailed insights.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.