Ujjivan Small

Q2 FY27Banks

Ujjivan Small Q2 FY27: Revenue ₹2,450 Cr, PAT ₹365 Cr

Q2 FY27 investor presentation: what the company reported on revenue, margins and projects.

Price₹65

Market cap₹12.6K Cr

P/E13.9

Updated16 Oct 2026

Read4 min read

Based on Ujjivan Small's Q2 FY27 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentationreports, not management guidance.

The short version

Total Income for Q2FY27: ₹2,450 Cr, up 26% YoY (Q2FY26: ₹1,939 Cr) (Page 29) - Interest on loan for Q2FY27: ₹1,915 Cr, up 30% YoY (Q2FY26: ₹1,473 Cr) (Page 29) - Net Interest Income (NII) for Q2FY EBITDA and Operating Margin are not explicitly reported in the presentation.

From Ujjivan Small's Q2 FY27 earnings-call transcript · updated 16 Oct 2026.

Revenue & Sales Performance

Total Income for Q2FY27: ₹2,450 Cr, up 26% YoY (Q2FY26: ₹1,939 Cr) (Page 29)
Interest on loan for Q2FY27: ₹1,915 Cr, up 30% YoY (Q2FY26: ₹1,473 Cr) (Page 29)
Net Interest Income (NII) for Q2FY27: ₹1,244 Cr; NIM 8.4% (YoY NII growth of 35%) (Page 7, 26)
Disbursement for Q1FY27: ₹10,495 Cr, up 32% YoY (Page 13)
Gross Loan Book in Q2FY27: ₹45,699 Cr, up 32% YoY (Page 13)
Value Transacted through UPI ~₹13,000 Cr/month in Q2FY27 (Page 33)

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Profitability & Margins

EBITDA and Operating Margin are not explicitly reported in the presentation.
Profit After Tax (PAT) for Q2FY27 is ₹365 crore, a 200% year-on-year (YoY) increase from ₹122 crore in Q2FY26.
Total Income for Q2FY27 is ₹2,450 crore, up 26% YoY.
Pre-Provision Operating Profit (PPOP) for Q2FY27 is ₹594 crore, up 50% YoY from ₹395 crore in Q2FY26.
Net Interest Margin (NIM) for Q2FY27 is 8.4%, up 55 basis points YoY.

- Cost to Income (C/I) ratio is around 62% in Q2FY27, consistent with previous quarters. - Explicit margin outlook: FY27 guidance targets Advances Growth of 0.9%-1.0% of ATA and Credit Cost of 1.8%-2.0%; however, no explicit EBITDA or operating margin forecast is provided. In summary, the presentation highlights strong PAT growth and improved operating profits but does not provide EBITDA or operating margin figures or explicit margin outlook.

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Capital Expenditure Plans

The investor presentation for Ujjivan Small Finance Bank Limited mentions the following regarding capacity expansion or projects: - Added 100+ branches in H1FY27, taking total branches to 880 (Page 4). - Capacity additions leading to highest quarterly disbursement at ₹10,495 Cr (Page 4). - Deposits crossed ₹50,000 Cr for the first time, indicating expansion in customer base and operations (Page 4).

- No explicit new plant/project or capital expenditure amount or timeline detailed in the presentation. - Preferential allotment amounting to ₹409 Cr approved by Board, subject to shareholders' approval, aimed to increase CRAR by ~1.2% on a proforma basis (Page 4 and 30) but not directly linked to any capex or new plant. No specific capex amounts, timelines, or new plant/project statuses are provided in the presentation beyond branch network expansion and financial capacity increase.

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Top-ranked in Banks

Ranked on what management guided this quarter

Guidance-ranked

1Canara Bank₹1.1L Cr

Rev 2Mar 3

2AU Small Finance₹74.3K Cr

Rev 2Mar 3

3₹67.3K Cr

Rev 2Mar 3

4₹61.4K Cr

Rev 2Mar 3

5₹58.7K 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

The presentation does not explicitly mention any new fundraising through debt or equity issuance.
Borrowings details show fluctuations over recent periods:
Borrowings were ₹2,962 Cr as of Sep 30, 2025
Increased to ₹3,806 Cr as of Jun 30, 2026
Decreased to ₹3,026 Cr as of Sep 30, 2026
Net worth increased from ₹6,323 Cr (Sep 30, 2025) to ₹7,532 Cr (Sep 30, 2026), but no specific equity fundraising is noted.

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Order Book & Pipeline

The investor presentation "1274716.pdf" does not explicitly report details on order book, order inflow, or pending orders. Based on the reviewed pages: - There is no mention of order book or order inflow figures. - The presentation focuses on financial performance, loan book growth, deposit base, and digital transaction metrics. - Key reported metrics include loan disbursement run rates in various secured business lines (Vehicle Finance: ₹68 Cr/month, Gold Loan: ₹169 Cr/month, Agri Banking: ₹56 Cr/month).

- Digital transaction volumes, such as monthly value transacted (~₹13,000 Cr through UPI), and digital loan repayment collections (48%) are provided. - The presentation emphasizes asset quality, product growth, ESG ratings, and financial literacy program participation, but not order-related data. Therefore, no data on order book, order inflow, or pending orders is reported in the provided presentation.

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What Ujjivan Small's management said in earlier quarters

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Frequently Asked Questions

What were Ujjivan Small Q2 FY27 results?

What is Ujjivan Small share price analysis?

Ujjivan Small currently shows a neutral. The stock trades at a P/E of 13.9 with a market cap of ₹12,568 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 investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.

Revenue & Sales Performance

Profitability & Margins

Capital Expenditure Plans

Top-ranked in Banks

Fundraising & Capital Structure

Order Book & Pipeline

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What Ujjivan Small's management said in earlier quarters

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