Key takeaway: Ujjivan Small Finance Bank Limited (UJJIVANSFB) reported strong financial performance for the quarter and half-year ended September 30, 2026. Key highlights include deposits crossing ₹50,000 crore for the first time, growing 29.2% YoY to ₹50,643 crore, with a CASA ratio of 26.0%. The bank introduced ASBA facility for customers and achieved the highest quarterly disbursement of ₹10,495 crore, with advances growing 32.1% YoY and secured share increasing to 52%. Financial metrics show a 35% YoY increase in NII to ₹1,244 crore, a credit cost of 0.7% of ATA, and a 50% YoY increase in PPoP to ₹594 crore. RoA stands at 2.4% and RoE at 19.7%, with CRAR increasing by 33 bps to 20.69%. The bank added 100+ branches in H1FY27, reaching 880 branches, and reported the highest quarterly PAT of ₹365 crore. The presentation also notes a preferential allotment of ₹409 crore approved by the board, pending shareholder approval, and a proposed capital raise expected to increase CRAR by ~1.2% on a proforma basis. The bank's asset quality remains strong, with GNPA at 2.1% and a provision coverage ratio of 108.5%. The bank has a robust digital presence, with 67% of retail term deposits opened digitally and 48% of loan repayments collected digitally. The bank's ESG rating by ICRA is 82/100, rated 'Outstanding'.

Key takeaway: The earnings call for Ujjivan Small Finance Bank Limited on September 1, 2026, discussed recent leadership changes, including the early retirement of Mr. Sanjeev Nautiyal as MD and CEO due to health concerns. Ms. Carol Furtado has been appointed as Interim MD and CEO, pending RBI approval. Management emphasized continued focus on strategic priorities, including loan book diversification, with secured loans exceeding 50% of the portfolio. Q1 performance showed strong loan growth (29% YoY) and a GNPA ratio of 2.2%. The bank reported healthy CASA growth (38% YoY) and a cost of funds at 6.9% for Q1. Management reiterated confidence in meeting FY27 guidance and maintaining growth momentum despite the leadership transition. The search for a permanent MD is underway, with plans to submit names to the RBI within 3-4 months. No significant impact from El Niño on asset quality or growth was reported. The bank remains committed to its universal bank transition and diversification strategy, with no changes to its strategic direction.

Key takeaway: Ujjivan Small Finance Bank Limited held its Q1 FY27 Earnings Conference Call on July 23, 2026, where management provided insights into the bank's performance and macroeconomic conditions. Executive Director Carol Furtado noted that the geopolitical situation in West Asia and local weather uncertainties posed risks, but domestic economic indicators showed stability. The bank achieved a 25% year-on-year growth in deposits, reaching INR48,129 crores, with CASA deposits growing by 37.8%. The gross loan book increased by 28.9% year-on-year to INR42,903 crores, with significant growth in secured loans and micro banking. Management reported a profit after tax of INR317 crores, with a return on assets of 2.2% and return on equity of 18.2%. The bank's asset quality remained stable, with a gross non-performing asset ratio of 2.17%. Management revised its credit cost guidance to 0.9% to 1% of average total assets, citing improved collection efficiency and reduced slippages.

Key takeaway: Ujjivan Small Finance Bank Limited's investor presentation for the quarter ended June 30, 2026, reported a 24.6% year-on-year growth in total deposits, reaching ₹48,129 crore, marking the highest growth in the last ten quarters. CASA deposits increased by 37.8% to ₹12,930 crore. The gross loan book grew by 5.5% sequentially to ₹42,903 crore, with significant contributions from gold loans and vehicle finance, each surpassing ₹1,000 crore. The bank achieved record earnings with a net interest income of ₹1,186 crore and a profit after tax of ₹317 crore, reflecting a return on assets of 2.2% and return on equity of 18.2%. Management revised the full-year return on assets guidance to between 1.8% and 2.0%. The presentation emphasized a disciplined operating expense approach and stable credit costs, contributing to a strong financial performance.

Key takeaway: Ujjivan Small Finance Bank Limited held its Q4FY26 earnings conference call on May 8, 2026, where management discussed the bank's performance and future plans. Management reported that the Indian economy showed resilience, with bank credit growing by 16% and deposits by 13.4% year-on-year. The bank's total deposits reached INR 45,668 crores, reflecting a year-on-year growth of 21.4%. The gross loan book grew to INR 40,655 crores, up 26.6% year-on-year. Management highlighted a focus on diversifying the loan portfolio, with secured loans now comprising 49.4% of the total. The bank's net profit for FY26 was INR 693 crores, with a return on assets (ROA) of 1.4%. For FY27, management set a goal to grow advances by around 25% and indicated plans to raise equity capital of up to INR 2,000 crores to support growth. The bank aims to maintain a net interest margin of around 8.5%.

Key takeaway: The investor presentation by Ujjivan Small Finance Bank Limited detailed the bank's financial performance for the quarter and year ended March 31, 2026. Management reported a 21.4% year-on-year growth in total deposits, with a CASA ratio of 28.6%. The gross loan book increased by 26.6% year-on-year, with secured advances growing by 43.5%. The presentation highlighted improvements in asset quality, with GNPA at 2.3% and a return on assets (RoA) of 2.1%. The net interest margin (NIM) expanded to 8.5%, and the cost of funds decreased to 7.0%. Management noted strong provisioning and capital buffers, with a provision coverage ratio (PCR) of 81%. The bank's focus on loan diversification was emphasized, particularly in microfinance and secured loans. The presentation also outlined the bank's digital initiatives and customer engagement strategies.