Ujjivan Small Finance Bank boosts Q1FY27 PAT to ₹317 Crore; Revisions FY27 RoA Guidance Upwards to 1.8%-2.0%

Ujjivan Small Finance Bank boosts Q1FY27 PAT to ₹317 Crore; Revisions FY27 RoA Guidance Upwards to 1.8%-2.0%​

Ujjivan Small Finance Bank Limited announced robust financial performance for the quarter ending June 2026, showcasing strong growth across its business segments and improving asset quality. The bank recorded a quarterly Net Interest Income (NII) of ₹1,186 Crore—a record high—and reported a Profit After Tax (PAT) of ₹317 Crore, marking a significant increase year-over-year.

The results underscored the bank's expanding footprint and operational efficiency. The bank increased its outlook for FY27, revising its Return on Assets (RoA) guidance upwards to 1.8% to 2.0%.

Q1FY27 Financial Highlights​

Ujjivan Small Finance Bank reported a period of high earnings growth, supported by successful business diversification and prudent risk management. Key financial figures for the quarter are as follows:

Asset and Deposit Growth​

The bank significantly expanded its lending portfolio while maintaining a strong focus on risk mitigation. The Gross Loan Book (GLB) reached ₹42,903 Crore, reflecting a rise of 28.9% year-on-year (YoY) or 5.5% quarter-on-quarter (QoQ).

The secured book stood at ₹21,638 Crore, showing robust growth of 42.7% YoY and 7.8% QoQ, accounting for 50.4% of the total GLB. Quarterly loan disbursements reached a high of ₹9,245 Crore, increasing by 41.4% YoY.

New business lines continued to gain momentum; both Gold Loan and Vehicle Loan portfolios surpassed the ₹1,000 Crore milestone, recording at ₹1,036 Crore and ₹1,020 Crore respectively. Housing loans (including Affordable Housing Loans and Micro Mortgage) grew 40.8% YoY to ₹11,210 Cr, while MSME loans increased by 54% YoY reaching ₹3,470 Cr.

In terms of customer acquisition and deposit mobilization, total deposits stood at ₹48,129 Crore, a 24.6% increase YoY and 5.4% QoQ. CASA deposits grew substantially to ₹12,930 Crore, up 37.8% YoY, resulting in a CASA ratio of 26.9%.

Asset Quality and Capital Strength​

Asset quality metrics showed marked improvement. The Net Non-Performing Assets (NNPA) stood at 0.34%, down 37 bps YoY, while the Gross Non-Performing Assets (GNPA) were reported at 2.17%, a decline from 4.81% in June 2025.

The bank’s provision coverage ratio improved to 85%, up from 73% in June 2025 and 81% in March 2026. The micro banking portfolio maintained high efficiency, recording a Bucket-X collection efficiency of 99.68%.

Financially, the bank demonstrated strong capital positioning with its Capital Adequacy Ratio reaching 20.36%, complemented by an Average Loan-to-Capital Ratio (LCR) of 132% for Q1FY27.

Strategic Outlook and Guidance Revision​

The performance was attributed to diversified business growth, expanding into new product lines such as mutual fund distribution and co-branded credit card offerings for deposit customers, alongside branch expansion that brought the total count to 814 as of June 2026.

Reflecting continued operational efficiency gains and credit cost trends, the bank revised its guidance for FY27. Credit cost is now guided at 0.9% to 1.0% of Average Total Assets. Correspondingly, the RoA guidance for FY27 was upgraded to 1.8% to 2.0%.

The management noted that investments in future capacity building, including enhanced technology and branding initiatives, are ongoing across FY27, ensuring sustained growth momentum.

UJJIVANSFB Stock Price Movement​

As of 1:23 PM, shares of Ujjivan Small Finance Bank Limited are shedding value, tumbling by 4.09% to trade at ₹62.39. The equity is moving amid high interest, with a trading volume recorded at 21.57 million shares in the live market.