Ujjivan Small Finance Bank Ltd

Q1 FY27Banks

Ujjivan Small Finance Bank Ltd Q1 FY27 Results & Concall Highlights: Revenue, Margins & Order Book

Q1 FY27 earnings call: what management guided on revenue, margins and order book.

Price₹67

Market cap₹12.6K Cr

P/E13.9

Updated10 Sept 2026

Read4 min read

What the Q1 FY27 call signalled

1 of 3 strong

RevenueRank 3

MarginRank 3

CapexYes

Not discussed on this call: fundraise, order book.

The short version

Ujjivan Small Finance Bank remains confident in delivering strong performance in FY27 and beyond. The bank remains confident in delivering a strong performance in FY27 and beyond, with no change to the previously outlined strategy.

From Ujjivan Small Finance Bank Ltd's Q1 FY27 earnings-call transcript · updated 10 Sept 2026.

Revenue & Sales Performance

Rank 3

Ujjivan Small Finance Bank remains confident in delivering strong performance in FY27 and beyond.
The bank is on track to meet FY27 guidance with no changes to the previously outlined growth strategy.
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.
The festive season outlook is promising due to capacity additions and robust domestic economic performance.
The bank plans to continue strategic diversification and expansion towards universal banking, supported by sufficient capitalization.

Profitability & Margins

The bank remains confident in delivering a strong performance in FY27 and beyond, with no change to the previously outlined strategy.
Loan book growth reached approximately 29% year-on-year in Q1 FY27, with asset quality (GNPA) at 2.2%.
The diversification strategy is progressing well, with secured loans constituting over 50% of the loan book.
CASA deposits grew healthily by 38% year-on-year, with overall cost of funds at 6.9%, supporting profitability.
FY27 guidance remains on track, and the bank is well-capitalized to meet growth plans despite any capital raise timing uncertainties.
Management is focused on strategic diversification and robust business execution to sustain and improve earnings.
The leadership change is not expected to impact the growth momentum or operating performance in FY27.

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

Capital Expenditure Plans

Yes

The transcript does not explicitly mention any specific current or future capex or capital/strategic investments.
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.
A brand campaign is planned for launch during the festive season, indicating marketing and strategic investment in brand-building.
The focus remains on meeting FY27 guidance and strategic goals without change, which may implicitly include planned investments aligned with these objectives.

Top-ranked in Banks

Ranked on what management guided this quarter

5x potential

1IDFC First Bank₹74.3K Cr

Rev 2Mar 3

2Bank of Maha₹64.8K Cr

Rev 2Mar 3

3₹64.0K Cr

Rev 2Mar 3

4₹27.8K Cr

Rev 2Mar 3

5₹14.4K Cr

Rev 2Mar 3

Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

There was a discussion about a planned capital raise which had Board approval, but no specific timeline was provided during the call.
Management indicated that even if the capital raise is delayed, it will not impact FY27 growth plans or transition to a universal bank; the bank is well-capitalized to meet FY27 targets.
The search for a new MD/CEO has been expedited due to the early retirement of Mr. Nautiyal, but no connection to fundraising was mentioned.
No explicit mention of any new debt or equity fundraising in the near term was made.
Overall, the bank remains focused on meeting its FY27 guidance and growth plans with existing resources and capitalization.

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

Order Book & Pipeline

The provided transcript from Ujjivan Small Finance Bank's investor call does not contain any information regarding current or expected order book or pending orders. The discussion primarily focuses on: - Management changes and leadership transition. - Business strategy and growth plans for FY27. - Capital raising and funding plans. - Asset quality and portfolio diversification. - Talent acquisition and succession planning. No references were made to order books, pending orders, or related commercial contracts in the transcript.

What Ujjivan Small Finance Bank Ltd's management said in earlier quarters

Others in Banks this season

UCO Bank (Q1 FY27)
Other Commission Income growth supported by PSLC sales (₹2,000 crores PSLC sold, earning ₹55 crores commission). Key concall takeaways from UCO Bank's Q1 FY27…
IndusInd Bank Ltd (Q1 FY27)
Profit after tax improved sharply to Rs.1,037 crore in Q1 FY27 versus Rs.594 crore in Q4 FY26, reflecting stronger growth, lower credit costs, and operating…
RBL Bank Ltd (Q1 FY27)
Net advances grew 23% YoY, with retail advances up 13% YoY and wholesale advances up 38% YoY, indicating strong growth momentum (Page 4). Key concall takeaways…
Equitas Small Finance Bank Ltd (Q1 FY27)
6,784 crores, up 93% YoY, indicating strong sales momentum. Key concall takeaways from Equitas Sma. Fin's Q1 FY27 earnings call — and how it ranks against…

Compare:vs HDFC Bank Ltd vs ICICI Bank Ltd vs State Bank of India

🔎 Who's planning the most growth?

Companies ranked by management's own guidance — revenue, margins, capex and order book, from every earnings call in India.

See rankings →

Frequently Asked Questions

What were Ujjivan Small Finance Bank Ltd Q1 FY27 results?

What is Ujjivan Small Finance Bank Ltd share price analysis?

Ujjivan Small Finance Bank Ltd currently shows a below-average growth signal. The stock trades at a P/E of 13.9 with a market cap of ₹12,554 Cr. Investors should review the full earnings analysis for detailed insights.

Is Ujjivan Small Finance Bank Ltd planning capital expenditure?

The transcript does not explicitly mention any specific current or future capex or capital/strategic investments.

Keep Ujjivan Small Finance Bank Ltd on your radar — track it to get its next earnings analysis in your feed.

This analysis is AI-generated based on publicly available earnings data and concall transcripts. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.

What the Q1 FY27 call signalled

Revenue & Sales Performance

Profitability & Margins

Capital Expenditure Plans

Top-ranked in Banks

Fundraising & Capital Structure

Order Book & Pipeline

Continue your research

What Ujjivan Small Finance Bank Ltd's management said in earlier quarters

Others in Banks this season

Frequently Asked Questions