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Informist, Thursday, Jan. 22, 2026

 

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--Ujjivan Small Finance Bank Oct-Dec net profit INR 1.86 bln 
--Analysts saw Ujjivan Small Finance Bank Oct-Dec net profit INR 1.73 bln 
--jivan Small Finance Bank Oct-Dec PAT INR 1.86 bln vs INR 1.09 bln yr ago 
--Ujjivan Small Fin Bk Oct-Dec total income INR 20.47 bln vs 17.63 bln yr ago 
--Ujjivan Small Fin Bk Oct-Dec provisions INR 1.95 bln vs INR 2.23 bln year ago 
--Ujjivan Small Fin Bk gross NPA ratio 2.38% as on Dec 31 vs 2.45% qtr ago 
--Ujjivan Small Fin Bk net NPA ratio 0.57% as on Dec 31 vs 0.67% qtr ago 
--Ujjivan Small Fin Bk Basel II capital adequacy ratio 21.62% as on Dec 31 
--Ujjivan Small Finance Bank Apr-Dec PAT INR 4.11 bln vs INR 6.43 bln 
--Ujjivan Small Fin Bk Apr-Dec total income INR 58.54 bln vs 53.58 bln yr ago

 

By Reshma Ravi

 

MUMBAI – Ujjivan Small Finance Bank Ltd. reported a sharp jump in net profit for the December quarter, reporting an on-year rise after six quarters of a decline and also beating the Street view. The rise in the small finance bank's net profit was supported by a healthy rise in interest income and other income and a fall in provisions.

 

Ujjivan Small Finance Bank reported a net profit of INR 1.86 billion for the December quarter, up 71% on year and 53% sequentially. Analysts had estimated the net profit at INR 1.73 billion. The small finance bank's interest income for the quarter rose over 10% on year to INR 17.52 billion. Its other income rose 72% on year to INR 2.96 billion. Sequentially, the small finance bank's interest income was up 4.1% and other income was up 15.3%. At the same time, the lender's provisions fell over 12% on year and nearly 17% on quarter to INR 1.95 billion.

 

The small finance bank's operating expenditure for the quarter rose over 22% on year to INR 8.56 billion, limiting the rise in net profit. Within expenses, employee cost jumped nearly 28% on year and nearly 9% on quarter to INR 4.74 billion. The small finance bank's total income for the December quarter was INR 20.47 billion, up 16% from INR 17.63 billion a year ago. This was the highest year-on-year rise in its total income in six quarters.

 

On the asset quality front, the lender's gross non-performing asset ratio fell to 2.38% as on Dec. 31 from 2.45% a quarter ago. The net non-performing asset ratio fell to 0.57% as on Dec. 31 from 0.67% in the previous quarter. The capital adequacy ratio under Basel II norms stood at 21.62%, up from 21.36% in the previous quarter and 23.90% a year ago.

 

On the business side, the lender's total deposits rose to INR 422 billion in the December quarter, up over 22% on year and nearly 8% sequentially. The current account savings account deposits of the bank were at INR 115 billion, up over 33% on year. Cost of funds for the quarter was 7.08%, down 49 basis points on year. "Cost of funds continued to trend lower due to the deposit rate cuts already taken in H1 FY26 (Apr-Sept) and better overall liquidity planning," the bank said in a press release.

 

The small finance bank's gross loan book grew nearly 22% on year to INR 371 billion, driven by the highest ever quarterly disbursement at INR 83 billion. "This was due to all-round performance across unsecured and secured products," the bank said. "Secured portfolios such as Housing, MSME (micro, small, and medium enterprises), Gold, Vehicle and Agri loans scaled up in line with our long-term diversification strategy."

 

Ujjivan Small Finance Bank's net profit for the nine months ended Dec. 31 was INR 4.11 billion, down 36% on year. The lender's total income for the period was INR 58.54 billion, up over 9% on year. Thursday, shares of the bank ended 7.3% higher at INR 61.96 on the National Stock Exchange. The bank released its earnings during market hours.  End

 

Edited by Rajeev Pai

 

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