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Ujjivan Small Finance Bank share price & results

Ujjivan Small Finance Bank Limited· Financial Services

Results to
Sept 2026
Latest analysed call
Q2 FY27
Ownership as of
Sept 2026

Small finance bank serving low-income and underserved customers via micro-banking, housing, MSME and secured retail loans.

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Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
Revenue2,153 ₹ crore+28.0% YoYQuarterly, as filedQuarter to Sept 2026Revenue from operations as filed.
Operating marginUnavailable—Operating profit / revenueQuarter to Sept 2026Not in the filed figures for the quarter to sept 2026. No older figure is substituted.
Net profit365 ₹ crore+199.2% YoYQuarterly, as filedQuarter to Sept 2026Profit after tax as filed.
Return on equity15.46 %−1.7 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Sept 2026Adjusted profit attributable to owners ÷ average owners’ equity.
Free cash flow marginUnavailable—Fiscal yearFY ending Mar 2026Not in the analysed materials. No older figure is substituted.
Revenue growth (YoY)20.77 %−2.8 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Sept 2026Revenue change against the same period one year earlier.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Sept 2026

Guidance

What management said, and what became of it

10 of 12 judged targets kept · 17 open · verdicts reflect calls analysed to Q2 FY27.

Ujjivan Small Finance Bank Limited management guidance track record on Inve: 29 targets tracked across analysed earnings calls (10 achieved, 2 missed, 17 open).

TargetOriginal wordingSaidLatest callVerdict
GNPAContained below 2.5% as we go forward
Call transcript, Q1 FY26 · 24 Jul 2025		Q1 FY26Q2 FY27:GNPA further improved to 2.1%, remaining well below the 2.5% ceiling.
Call transcript, Q2 FY27 · 16 Oct 2026		Achieved
Collection Team ManpowerDecline of 100-150 collection team members per quarter starting Q1 FY27
Call transcript, Q3 FY26 · 22 Jan 2026		Q3 FY26Q2 FY27:Management again did not provide an update on the collection team headcount, marking the second consecutive quarter of ghosting this specific guidance.
Call transcript, Q2 FY27 · 16 Oct 2026		Ghosted
OPEX to Asset RatioNext year [FY27], you should see an improvement
Call transcript, Q3 FY26 · 22 Jan 2026		Q3 FY26Q2 FY27:Management revised FY27 Opex to ATA guidance down to 6.2% from 6.4% previously. This is a favorable revision and puts the bank on track to meet the original 'improvement' promise for FY27.
Call transcript, Q2 FY27 · 16 Oct 2026		Revised Up

Source: Inve Guidance Tracker for Ujjivan Small Finance Bank Limited · to Q2 FY27

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

2 of Ujjivan Small Finance Bank Limited's 29 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 26 more targets are in the full ledger.

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Price

₹55 −5.34% · −₹3.1

Last close 26 Oct 2026 · NSE · INR · Source: Inve

Performance +5.7% 1Y

₹50.0₹55.0₹60.0₹65.0₹70.0Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Oct 26Q2 FY26 — 24 Oct 2025Q3 FY26 — 22 Jan 2026Q4 FY26 — 8 May 2026Q1 FY27 — 23 Jul 2026Q2 FY27 — 16 Oct 2026

1Y: ₹52.02 on 24 Oct 2025 → ₹55. High ₹72.47 (14 Aug 2026), low ₹50.44 (16 Mar 2026).

Previous close
₹58.1
Market cap
₹12.1k Cr
52-week range
₹50.44 – ₹72.47
One year
+1.85%
Price to earnings (TTM to Sept 2026)
10.53×
Return on equity (TTM to Sept 2026)
15.46%

Overview

Symbol
NSE:UJJIVANSFB
Exchange
NSE
Currency
INR

What Ujjivan Small Finance Bank Limited does

Based on the company's own presentations, annual report and earnings calls.

Ujjivan Small Finance Bank operates as a mass-market bank focused on financial inclusion, converting its legacy micro-finance customer base into a broader banking franchise. It earns through lending across micro-banking, affordable housing, MSME, vehicle finance, gold loans and agriculture, funded by retail deposits, current and savings accounts gathered through its branch network. Distribution combines physical branches and unbanked rural centres with assisted and digital channels (mobile/internet banking, WhatsApp banking) so customers can transact at their own level of digital familiarity. It also distributes third-party insurance, mutual fund, demat and wealth products and serves institutional clients through a Financial Institutions and Government Banking Group.

Segments

  • Micro Banking
  • Affordable Housing & Micro-Mortgages
  • MSME
  • Vehicle Finance
  • Gold Loan
  • Agriculture Banking
  • Financial Institutions & Government Banking Group (FIGB)
  • Retail Liabilities (Branch Banking & TASC)
  • Treasury
  • Third-Party Products
Customer base
~101.5 lakh (10.15 million)
Branch network
776 branches
States and Union Territories covered
26
Districts served
335
Unbanked Rural Centres (URCs) among branches
197
Electronic Collection Retail Points (ECRP)
8,000+
Founded 2017Employees 26,555 (FY 2025-26 (year ended M) Company website

How the price took the results

close before → close after

Q2 FY27
−1.9%
16 Oct
Q1 FY27
+5.7%
23 Jul
Q4 FY26
−0.4%
8 May
Q3 FY26
+7.3%
22 Jan

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

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