North India Statesman
[ad_1]
* Highest ever loan disbursement of Rs 7,932 crore, an increase of 47.6% YoY; Loan portfolio Rs 34,588 crore, growth of 14.0% YoY
* Deposits Rs 39,211 crore, annual growth 15.1%; CASA deposits Rs 10,783 crore, annual growth of 22.1%
Delhi, October, 2025: Ujjivan Small Finance Bank Limited [BSE: 542904; NSE: UJJIVANSFB] announced financial results for the quarter ending September 2025. Ujjivan Small Finance Bank Business Performance Summary – Deposits Q2FY26 and H1FY26
Total deposits by September 2025 to Rs 39,211 crore, growth of 15.1% YoY.
CASA deposits Rs 10,783 crore, annual growth 22.1%; CASA ratio 27.5%.
Cost of funds declined to 7.3% from 7.6% in Q1FY26.
Property
Highest ever loan disbursement of Rs 7,932 crore, annual growth of 47.6% and quarterly growth of 21.3%.
Gross loan portfolio at Rs 34,588 crore, annual growth 14.0% and quarterly growth 3.9%.
The share of secured book stood at 46.8% in September 2025, while it was 34.9% in September 2024 and 45.5% in June 2025.
Micro banking disbursement Rs 4,259 crore, annual growth 29.3% and quarterly growth 8.3%.
Micro banking portfolio Rs 18,570 crore, quarterly growth 1.5%.
Collection and asset quality
Portfolio at Risk (PAR)/GNPA/NNPA 4.45% / 2.45% / 0.67% respectively (by September 2025); june
In 2025 it was 4.81% / 2.52% / 0.71%.
Provision coverage ratio 73% in September 2025.
“Bucket-X” collection efficiency for group and individual loan books stood at 99.5%.
Total SMA declined to 1.99%- lowest level since Q1FY25.
financial performance
Profit After Tax (PAT) at Rs 122 crore in Q2FY26, quarterly growth of 18.2%.
PPOP (Pre-Provision Operating Profit) increased by 9.6% to Rs 395 crore.
Net interest income at Rs 922 crore, quarterly growth 7.7% – improvement for the first time in three quarters.
ROA/ROE for Q2FY25
1.0% / 7.7% respectively.
capital position
Capital adequacy ratio 21.4%; Tier-I capital 19.9%.
Sanjeev Nautiyal, MD and CEO, Ujjivan Small Finance Bank, said, “We delivered balanced growth in the quarter, leading to effective utilization of surplus liquidity and our CD ratio reached 88.2%. Total deposits stood at Rs 39,211 crore, up 1.5% QoQ and 15.1% YoY. CASA grew to Rs 10,783 crore, up 14.9% YoY. And increased by 22.1% annually.
Retail TDs and CASAs together account for about 71% of total deposits. Our CASA promotion efforts are just beginning to take shape. MF distribution and Forex products will be launched for clients in Q3, while the future rollout of ASBAs will further boost CASA mobilization. We have proactively reset rates in both TD and SA across various buckets, resulting in cost of funds improvement of 23 bps quarter-on-quarter and 17 bps year-on-year. We expect further COF benefits in the coming quarters.
Loan disbursement remained strong in the quarter with highest disbursement of Rs 7,932 crore, up 21.3% quarter-on-quarter and 47.6% year-on-year. For H1FY26, disbursements grew 35.8% to Rs 14,471 crore, led by continued momentum in the secured loan book. Our gross loan book grew by 3.9% quarter-on-quarter and 14.0% year-on-year to Rs 34,588 crore in Q2FY26, driven by our disciplined approach of diversifying the asset suite and building a sustainable portfolio. The share of secured loans came down to 47% due to faster growth in secured products as compared to unsecured ones.
In line with guidance, our microfinance portfolio is stabilising, and customers’ repayment behavior is showing improvement. This is evidenced by “Bucket-X” collection efficiency ranging from 99.45% to 99.50% for three consecutive months in Q2FY26. Our overall asset quality, defined by credit cost, remained stable at 2.8%, and we are positioned to continue improving in the remaining quarters of the financial year.
Profit after tax (PAT) for Q2FY26 stood at Rs 122 crore, up 18.2% quarter-on-quarter (q-o-q). ROA and ROE increased by 1.0% and 7.7% respectively. Supporting our future growth plans through strategic branch expansion and product diversification, we are confident of growing loan advances by approximately 20% in FY26, while credit costs will remain between 2.3% to 2.4% of the gross loan portfolio.”
