Ujjivan Small Finance Bank Reports Record Earnings as Net Profit Jumps 207% in Q1FY27

Ujjivan Small Finance Bank Reports Record Earnings as Net Profit Jumps 207% in Q1FY27​

Ujjivan Small Finance Bank Limited has reported a period of resilient performance for the first quarter of financial year 2027 (Q1FY27), highlighted by record earnings. The bank posted a net profit of ₹317 Cr, marking a substantial increase compared to Q1FY26.

The financial results reflect strong operational efficiency and stable credit costs across the institution's portfolio. Key profitability indicators saw significant growth in Q1FY27. Net Interest Income (NII) stood at ₹1,186 Cr, up 38.6% year-on-year, while the bank recorded Other Income of ₹257 Cr. Pre Provision Operating Profit (PPoP) reached ₹548 Cr, a 52% increase from ₹360 Cr in Q1FY26.

The performance translated into strong bottom-line growth:


The bank’s efficiency metrics showed improvement, with the Slippage Ratio (on Average Gross Loan Book) recorded at 1.6% in Q1FY27, down from 4.3% in Q1FY26 and 1.8% in Q4FY26.

Assets and Liabilities Snapshot​

Ujjivan Small Finance Bank maintained robust growth in its deposit base while managing credit costs effectively. Total deposits grew by 24.6% year-on-year (YoY), reaching ₹48,129 Cr, reflecting the highest yearly growth in the last ten quarters. CASA Deposits increased by 37.8% YoY to reach ₹12,930 Cr.

The bank’s Gross Loan Book (GLB) expanded sequentially by 5.5%, reaching ₹42,903 Cr. The secured share of the GLB reached 50.4%, with the secured Gross Loan Book growing 7.8% sequentially.

Segment performance across the loan book demonstrated diversification and strong growth in specific areas:


Notably, Gold Loan and Vehicle Finance surpassed the major milestone of ₹1,000 Cr in their respective GLBs.

Asset Quality and Guidance​

The bank maintained a healthy asset quality profile. The Gross Non Performing Asset (GNPA) ratio stood at 1.2%, while credit cost remained low at 0.9% of ATA. For the Micro Mortgage (MM) segment, the GNPA was reported at 0.6%.

Looking forward, the bank provided revised guidance for FY27, setting a target range for Return on Assets (RoA) between 1.8% and 2.0%, supported by disciplined operating expenses and stable credit costs.

Operational Highlights​

The bank has expanded its retail offerings, introducing Mutual Fund distribution and Co-Branded Credit Cards to enhance customer services. The bank maintains a diversified pan India presence across 347 districts.

Detailed metrics from the first quarter include:


The bank also reported strong performance in specialized lending portfolios, with the Gold Loan business achieving a 249% growth in its GLB, and Agri Banking reporting 101% growth.

UJJIVANSFB Stock Price Movement​

As of 1:25 PM, shares of Ujjivan Small Finance Bank Limited are shedding nearly 4.09%, currently trading at ₹62.39 after plunging by ₹2.66 from market open. The stock has seen a considerable volume of 21.57 million shares traded and remains relatively close to the day's low of ₹62.14.