UJJIVANSFB Ujjivan Small Finance Bank Q3 FY26 results (Oct–Dec 2025) and concall
Ujjivan Small Finance Bank delivered a strong Q3 FY26, marked by robust growth in deposits and loan book, and significant improvements in profitability and asset quality. NIM expanded to 8.2% driven by lower cost of funds, while PAT, ROA, and ROE all saw healthy increases. Despite some stickiness in asset quality for specific segments and a higher OPEX ratio due to one-off items, the bank remains optimistic about future credit cost normalization and continued growth.
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What they filed
Q3 FY26: revenue up 10.1%, net profit up 70.6% against the same quarter last year.
| Line item | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 |
|---|---|---|---|---|---|
| Revenue | 1,591 | 1,573 | 1,619 | 1,682 | 1,752 +10% |
| Net profit | 109 | 83 | 103 | 122 | 186 +71% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
