Ujjivan Small Finance Bank Falls 0.57% After Q2FY26 Profit Falls 47.6% YoY to ₹122 Crore

Bengaluru, October 17: Ujjivan Small Finance Bank Limited share price is witnessing negative investor demand today, on October 17. As of 3:07 PM, the shares are down by 0.57%, or 0.28 points, and are trading at ₹48.71. Until now, the shares have traded within a range of ₹49.23 and ₹48.01. The traded volume stands at 1.19 crore shares, with the company’s market cap at ₹9,492 crore. The shares have their 52-week high of ₹51.87 and their 52-week low of ₹30.88.

Ujjivan Small Finance Bank Limited is an Indian small finance bank that provides banking services. The bank was established in 2017, and is headquartered in Bengaluru, Karnataka. The shares of the company are listed on NSE with the ticker symbol UJJIVANSFB and on BSE with the code 542904.

Key Trigger: Q2FY26 Profit Falls 47.6% YoY to ₹122 Crore

The fall in the share price comes after the company reported negative financial performance for Q2FY26. For the second quarter of the financial year 2026, Ujjivan Small Finance Bank’s total income grew by 6.5% year-on-year to ₹1,939 crore. However, the net profit fell by 47.6% to ₹122 crore from ₹233 crore in the same quarter last year. This drop in profit was mainly due to a slight decrease in Net Interest Income and a 56.1% increase in credit costs. The bank’s Return on Assets (ROA) was 1.0% and Return on Equity (ROE) was 7.7%. Despite the lower profit, the bank said its operating metrics remained strong due to healthy loan growth across its various segments.

Deposits Grew By 15.1%

As of the second quarter of FY26, Ujjivan Small Finance Bank’s deposits grew by 15.1% year-on-year to ₹39,211 crore. Its gross loan book increased by 14.0% to ₹34,588 crore. The bank’s customer base also expanded 8.0% to 98.8 lakh. Loan book surged by 53% and now makes up 47% of the total loans, up from 35% a year ago. The bank’s CASA ratio improved to 27.5%. The cost-to-income ratio increased to 66% due to investments in technology and branch expansion, while the cost of funds declined to 7.3%.

Asset Quality Stable

Ujjivan Small Finance Bank’s asset quality remained stable in the second quarter of FY26. The Gross NPA (Non-Performing Assets) improved to 2.45% from 2.59% a year ago. The Net NPA saw a slight increase to 0.70%. The bank’s Provision Coverage Ratio was 73%. The collection efficiency improved to 97.2% from 96.4% in the same period last year.

REF: https://nsearchives.nseindia.com/corporate/UJJIVANBANK_17102025133633_90_Intimation_Press_Release_Q2_17102025_combined.pdf

https://nsearchives.nseindia.com/corporate/UJJIVANBANK_17102025133126_89_Intimation_Investor_PPT_Q2_17102025_Combined.pdf

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