Ujjivan SFB Plans to Raise ₹2,000 Crore via QIP: Aiming ₹1 Lakh Crore Gross Loan Book by 2030

Ujjivan Small Finance Bank (Ujjivan SFB) is planning to raise up to ₹2,000 crore through a Qualified Institutional Placement (QIP) over the next 18 to 24 months, according to Sanjeev Nautiyal, Managing Director and CEO of the bank. This capital infusion is aimed at supporting the bank’s long-term strategic objectives.

Sanjeev Nautiyal, MD & CEO of Ujjivan SFB, stated that the bank had submitted its application for the universal banking license, which has gone through multiple rounds of queries and clarifications from the RBI.

As part of its ambitious growth trajectory, Ujjivan SFB has outlined a clear roadmap to scale its Gross Loan Book (GLB) to ₹1 lakh crore by FY2030. Since transitioning into a small finance bank in 2017, Ujjivan has made steady progress and now seeks to accelerate growth by strengthening its liability franchise, expanding its asset product offerings, and driving operational efficiencies to unlock sustainable profitability.

Strong Capital Position

As of Q1 FY26, Ujjivan SFB maintains a robust capital position with a Capital to Risk (Weighted) Assets Ratio (CRAR) of 22.8% and Tier I capital at 21.2%. The bank’s deliberate pivot towards a higher proportion of secured loans—carrying lower risk weights, has enhanced capital efficiency. This strategic shift provides ample headroom for future growth without an immediate reliance on external capital.

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Management Take on Future Business Prospects

Commenting on the Bank’s journey, Mr. Sanjeev Nautiyal, Managing Director & CEO, Ujjivan Small Finance Bank, said, “Our roadmap to a ₹1 lakh crore gross loan book by FY30 builds on the foundation established since becoming a small finance bank. Over this period, we have grown our gross loan book from ₹7,560 crore in FY17 to ₹33,287 crore in Q1FY26.

Our strategy focuses on expanding our branch network from 752 to around 1,150, increasing the secured share of the loan book to 65%–70%, raising CASA to 35% of deposits, and doubling branch productivity. We expect annual Gross Loan Book growth in the range of 20%–25%, with the objective of achieving RoE of 16%–18% and RoA of 1.8%–2.0% in FY30.

With a diversified and growing customer base of over 97 Lakhs across 26 states & Union Territories, we are well positioned to deliver on these priorities while continuing to focus on Mass, Aspiring and Emerging Affluent segments of a growing India.”

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