Bangalore, 27 Oct 2026: Ujjivan Small Finance Bank ltd. [BSE: 542904; NSE: UJJIVANSFB], today announced its financial performance for the quarter ended Sep, 2026. Summary of Ujjivan Small Finance Bank Business Performance – Q2FY27:
Deposits
· Deposits crossed milestone of ₹50,000 Cr, reaching ₹50,643 Crore, up 29.2% YoY / 5.2% QoQ
· CASA at ₹13,176 Crore up 22.2% YoY with CASA ratio at 26.0%
· CoF for Q2FY27 at 6.9%, down 0.4% YoY
· Bank launched ASBA facility for the customers in the quarter
Assets
· Gross loan book at ₹45,699* Crore, up 32.1% YoY / 6.5% QoQ
· Highest quarterly disbursement at ₹10,495 Crore up 32.3% YoY
· Secured book at ₹23,803 Crore, taking secured book share to 52.1%
· Affordable Housing crossed ₹10,000 Crore mark, reaching ₹10,056 Crore up 31.4% YoY
Collection and Asset Quality
· Portfolio at Risk* at 3.57% (Sep’26) versus 4.44% (Sep’25), Down 88 bps YoY
· GNPA / NNPA improved YoY to 2.10%/0.31% vs 2.45%/0.67%
· Provision covera ge ratio increased by 12% YoY to 85%
· Group and Indivi dual Loan Bucket-X collection efficiency improved to 99.71% for Q2FY27
Financials
· Highest PAT of ₹365 Crore up 199.9% YoY and 15.3% QoQ
· Highest ever quarterly NII at ₹1,244 Crore up 35% YoY, NIM stable at 8.4% up 55 bps YoY
· Improved Cost to Income to 62% improving by 4.9% YoY and 0.5% QoQ
· RoA at 2.4%, up 1.4% YoY with RoE at 19.7% up 12% YoY
Capital and Liquidity
· Capital adequacy ratio at 20.69%
Strong liquidity with Average Daily LCR for Q2FY27 at 131%
Ms. Carol Furtado, Whole Time Director & Interim CEO, Ujjivan Small Finance Bank said “to continue the growth momentum, board approved fund raise through Prefe rential Issue of ₹409 Cr from – International Finance Corporation, Bajaj Life Insurance Ltd., HDFC Life Insurance and Aditya Birla Sun Life Insurance, subject to shareholders approval. Since fund raise is being done at a premium to current BVPS, it will lead to accretion of ~₹0.8 per share as of Sep’ 26. Additionally, the bank has enhanced its funding mix, by increasing the securiti zation pool by ₹500 Cr in Oct month.
Based on his request on health grounds, Mr. Sanjeev Nautiyal retired early, the NRC is actively engaged to ensure timely submission of MD candidate to the regulator.