On July 23, 2026, Ujjivan Small Finance Bank Limited reported its unaudited financial results for the quarter ending June 30, 2026, as per the exchange filings.
The bank reported a total income of ₹2,280.93 crore and net profit (PAT) of ₹316.54 crore for the quarter ending June 30, 2026.
In the June 2026 quarter, Ujjivan Small Finance Bank's total income increased by 22.1% year-on-year (YoY) to ₹2,280.93 crore, compared to ₹1,867.83 crore in the same quarter of the previous year.
Quarter-on-quarter (QoQ), the income rose by 4.4% from ₹2,185.06 crore in the March 2026 quarter.
In the June 2026 quarter, the bank's net profit (PAT) surged by 206.7% YoY, reaching ₹316.54 crore, up from ₹103.22 crore a year ago.
The net profit also saw a QoQ increase of 12.3%, rising from ₹281.97 crore in the March 2026 quarter.
Ujjivan Small Finance Bank Limited announced record-high operating results and significant bottom-line growth for the first quarter ended June 30, 2026.
The bank generated its highest-ever quarterly Net Interest Income (NII) of ₹1,186 crore, marking an expansion of 38.6% year-on-year from the corresponding quarter of the previous fiscal.
Driven by strong revenue operational efficiency, the bank's profit after tax (PAT) surged 206.7% year-on-year to reach ₹317 crore.
Following this strong initial performance, the management upgraded its full-year FY27 Return on Assets (RoA) guidance to a range of 1.8% to 2.0%.
For the financial year 2026 (FY26), Ujjivan Small Finance Bank reported a total income of ₹8,038.97 crore. The net profit for FY26 stood at ₹692.63 crore.
Total deposit growth maintained robust upward momentum in a highly competitive banking liquidity environment. The bank's overall deposit base stood at ₹48,129 crore, representing a year-on-year increase of 24.6% and a sequential growth of 5.4%.
Current Account Savings Account (CASA) deposits expanded rapidly by 37.8% year-on-year to hit ₹12,930 crore. This growth brought the bank's overall CASA ratio to 26.9%, while helping lower its total cost of funds to 6.9%.
The bank achieved its highest-ever first-quarter credit deployment, with disbursements growing 41.4% year-on-year to ₹9,245 crore. The gross loan book reached ₹42,903 crore, expanding 28.9% over the previous year.
Notably, the bank successfully shifted its portfolio blend toward low-risk advances, with its secured loan book expanding 42.7% year-on-year to ₹21,638 crore. Secured advances now constitute 50.4% of the overall gross credit architecture.
The financial institution continued to scale up its physical infrastructure alongside digital ecosystem additions. The network expanded its footprint to 814 physical branches across the country by June 2026.
To maximize non-interest fee income streams, the bank introduced third-party mutual fund distribution structures. It also launched co-branded credit cards specifically optimized for its retail deposit customer segments.
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As of July 23, 2026, at 1:26 PM, Ujjivan Small Finance Bank share price on NSE was trading at ₹62.69, down by 3.63% from the previous closing price.
Ujjivan Small Finance Bank Limited's financial results for the June 2026 quarter show a 22.1% YoY rise in total income to ₹2,280.93 crore and a 206.7% YoY increase in net profit to ₹316.54 crore. For FY26, the total income was ₹8,038.97 crore, with a net profit of ₹692.63 crore.
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Published on: Jul 23, 2026, 2:38 PM IST
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