Ujjivan Small Finance Bank Ltd
Ujjivan Small Finance Bank Q4 FY26 earnings call: Revenue & Margins
Q4 FY26 earnings call: what management guided on revenue, margins and order book.
The short version
Ujjivan SFB plans to grow advances by around 25% annually in FY27. Ujjivan Small Finance Bank plans around 25% growth in advances for FY27, focusing on profitable growth and building an enduring institution.
From Ujjivan Small Finance Bank Ltd's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Ujjivan SFB plans to grow advances by around 25% annually in FY27.
- Microfinance (MFI) segment is expected to grow at a higher single-digit rate (around 8-10%).
- Secured loan book will grow at a faster pace compared to unsecured, altering the secured-to-unsecured mix to roughly 55-45 by FY27.
- Deposit growth will align with credit growth, with a focus on retail term deposits rather than bulk.
- Branch expansion is targeted at around 140 new branches in FY27, a 20% increase from March 2026 (776 branches).
- Digital, AI, and analytics investments will continue to support customer acquisition and retention.
2 more points management made on revenue & sales performance
Profitability & Margins
See what Ujjivan Small Finance Bank Ltd said on profitability & margins — free account, 30 seconds.
Capital Expenditure Plans
- Ujjivan Small Finance Bank plans significant investments in FY27 focused on branch expansion and digital infrastructure to support around 25% asset growth.
- Branch network is expected to grow by approximately 20% in FY27, adding around 140 branches over the next 1-2 years.
- Continued investment in technology, AI, analytics, and cloud-led platforms aims to enhance customer acquisition, retention, and operational efficiency.
- Investments also include enhancements in IT projects, low-cost channels, marketing, and training programs.
2 more points management made on capital expenditure plans
Top-ranked in Banks
Ranked on what management guided this quarter
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 Finance Bank Ltd said on fundraising & capital structure — free account, 30 seconds.
Order Book & Pipeline
2 more points management made on order book & pipeline
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What Ujjivan Small's management said in earlier quarters
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Frequently Asked Questions
What were Ujjivan Small Finance Bank Ltd Q4 FY26 results?
Ujjivan SFB plans to grow advances by around 25% annually in FY27. Ujjivan Small Finance Bank plans around 25% growth in advances for FY27, focusing on profitable growth and building an enduring institution.
What is Ujjivan Small Finance Bank Ltd share price analysis?
Ujjivan Small Finance Bank Ltd currently shows a neutral. The stock trades at a P/E of 14.9 with a market cap of ₹13,541 Cr. Investors should review the full earnings analysis for detailed insights.
Is Ujjivan Small Finance Bank Ltd planning capital expenditure?
Ujjivan Small Finance Bank plans significant investments in FY27 focused on branch expansion and digital infrastructure to support around 25% asset growth.
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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.