Financials of Ujjivan Small Finance Bank Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Ujjivan Small Finance Bank Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +1,1851,2871,3911,4711,5291,5771,6131,5911,5731,6191,6821,7521,878
Interest447494568611595636669704709763761751785
Expenses +5055385766507307398419231,0399691,0181,0511,029
Financing Profit233255248210203203103-36-174-113-96-5164
Financing Margin %20%20%18%14%13%13%6%-2%-11%-7%-6%-3%3%
Other Income +179177189185236197207172270249256295307
Depreciation0000000000000
Profit before tax41243243639444040031013695136160244371
Tax %25%25%25%24%25%25%25%20%12%24%24%24%24%
Net Profit +31032432830033030123310983103122186282
EPS in Rs1.581.661.681.531.681.561.200.560.430.530.630.961.45
Gross NPA %2.88%2.62%2.35%2.18%2.23%2.52%2.52%2.68%2.18%2.52%2.45%2.38%2.26%
Net NPA %0.04%0.06%0.09%0.17%0.28%0.41%0.56%0.56%0.49%0.70%0.67%0.57%0.43%

Financials of Ujjivan Small Finance Bank Ltd

Profit & Loss

Annual income statement trend

Mar 2012Mar 2013Mar 2017 9mMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +1482232171,4681,8322,7042,8062,8134,1655,6776,3546,931
Interest59811096077251,0701,0781,0391,4672,2682,7183,060
Expenses +931021119221,0531,4171,9442,6031,7302,3963,4064,067
Financing Profit-340-3-6154217-215-8309681,014230-196
Financing Margin %-2%18%-1%-4%3%8%-8%-30%23%18%4%-3%
Other Income +81191112063223023605897878461,108
Depreciation235416173778090981350
Profit before tax2491919946610-5501,4671,702942911
Tax %22%31%94%22%0%25%19%-25%25%25%23%24%
Net Profit +234071993508-4151,1001,281726693
EPS in Rs0.000.051.382.020.05-2.405.636.543.753.57
Dividend Payout %0%48%0%0%0%0%0%0%22%6%0%0%

Financials of Ujjivan Small Finance Bank Ltd

Balance Sheet

Capital structure and asset base

Mar 2012Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital57661,4401,4401,4401,7281,7281,7281,9555191,9351,943
Reserves185256071801,2601,2908742,0545,0954,1484,776
Deposits002063,7737,37910,78013,13618,29225,53831,46237,63045,668
Borrowing6179976,4914,0534,3664,1533,4471,9642,8412,1712,8453,736
Other Liabilities +38412982013774907797549291,1761,1301,419
Total Liabilities8981,3608,4369,47313,74218,41120,38023,61233,31740,42247,68957,541
Fixed Assets +1111137194282280276244265395444493
CWIP0034221561832130
Investments001,4471,2321,5272,3962,5164,1538,5109,76611,73012,724
Other Assets +8861,3496,8498,04211,93115,71517,58319,21024,52430,23035,50244,324
Total Assets8981,3608,4369,47313,74218,41120,38023,61233,31740,42247,68957,541

Financials of Ujjivan Small Finance Bank Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2012Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-168-409-7,0842,3144782422,6572,5541,0601,5932,0281,843
Cash from Investing Activity +13-161-101-148-757-1,356-841-2,096-865-1,793-2,481
Cash from Financing Activity +2694277,931-2,439287776-706-1,4841,186-519398911
Net Cash Flow10221687-225617261595230150210633274
Free Cash Flow-171-411-7,2452,2133301532,5992,5039351,3491,8631,661
CFO/OP-301%-326%-6,672%430%66%27%332%1,230%55%50%78%75%

Financials of Ujjivan Small Finance Bank Ltd

Ratios

Working capital efficiency and return ratios

Mar 2012Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %1%12%0%0%13%15%-0%-15%33%27%12%11%