Ujjivan Small Finance Bank Announces Approval of Q1 FY2026 Unaudited Financial Results
Ujjivan Small Finance Bank Limited has approved the unaudited financial results for the quarter ended June 30, 2026. The Board of Directors reviewed and sanctioned these results in its meeting held on July 23, 2026, along with a Limited Review Report issued by the Joint Statutory Auditors, M/s Deloitte Haskins and Sells and M/s Abarna and Ananthan.The overall financial performance highlights include Total Income of 2,28,093 Lakh for the quarter ended June 30, 2026, down from 8,03,897 Lakh recorded in the corresponding period of the previous fiscal year. The net profit after tax stands at 31,654 Lakh for the first quarter.
Key financial indicators provided in the results include:
| Metric | June 30, 2026 (Unaudited) | March 31, 2026 (Audited) | June 30, 2025 (Unaudited) |
|---|---|---|---|
| Total Income | 2,28,093 Lakh | 2,18,506 Lakh | 1,86,783 Lakh |
| Net Profit after tax | 31,654 Lakh | 28,197 Lakh | 10,322 Lakh |
| Operating Profit before provisions and contingencies | 54,806 Lakh | 51,460 Lakh | 36,048 Lakh |
| Capital Adequacy Ratio (CAR) | 20.36% | 21.14% | 22.77% |
| Gross NPA Ratio | 2.16% | 2.26% | 2.52% |
| Net NPA Ratio | 0.34% | 0.43% | 0.70% |
Segment Performance Overview
The Bank's business segments, which include Treasury, Retail Banking, and Wholesale Banking, demonstrated varied results during the quarter ending June 30, 2026. The figures below illustrate the performance across these primary operational areas:| Segment | Total Income (Rs. in Lakh) | Profit before tax (Rs. in Lakh) | Capital Employed (Rs. in Lakh) |
|---|---|---|---|
| Retail Banking | 1,98,010 | 41,378 | 4,73,533 |
| Treasury | 23,737 | 1,656 | 1,99,443 |
| Wholesale Banking | 6,346 | 684 | 38,462 |
Retail banking was the largest contributor to revenue in the quarter. The Treasury segment recorded total assets of 16,93,348 Lakhs and maintained a Capital Adequacy Ratio of 1.20% for the period.
Key Financial Ratios
The results also presented several key analytical ratios:- Gross NPAs: The Bank recorded Gross NPAs at 92,365 Lakh as of June 30, 2026.
- Net NPAs: Net NPAs stood at 14,166 Lakh for the quarter.
- Return on Assets: This ratio was reported at 0.53%.
- Debt-Equity Ratio: The ratio is listed at 0.26.
Auditor's Review and Governance
The financial results were reviewed by the Audit Committee and approved by the Board of Directors. The Joint Statutory Auditors, Deloitte Haskins and Sells and Abarna and Ananthan, issued a limited review report on the unaudited financial results for the quarter ended June 30, 2026.UJJIVANSFB Stock Price Movement
As of 1:12 PM, shares of Ujjivan Small Finance Bank Limited are shedding ground in live trading, dropping 1.31% to ₹64.20. The stock traded approximately 16.85 million shares, maintaining a steady downward momentum for the financial institution.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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