Ujjivan Small Finance Bank Rises 6.16% as Shareholders Greet FY30 Growth Strategy

Mumbai, September 9, 2025: The shares of Ujjivan Small Finance Bank Ltd (NSE: UJJIVANSFB, BSE: 542904) continued their upswing for the second day in a row on Tuesday, jumping 6.16% to ₹46.89 at 12:30 pm IST. The stock had opened at ₹44.60 and touched an intraday high of ₹46.57 before slipping a bit, from last close of ₹44.17. Volumes were heavy, with 73.92 lakh shares changing hands, valuing at nearly ₹34 crore.

Ujjivan Small Finance Bank (NSE: UJJIVANSFB, BSE: 542904), which listed in December 2019, currently has 97 lakh customers across 26 states and union territories through 754 branches and 613 ATMs. The bank had a gross loan book of ₹33,287 crore and deposits of ₹38,619 crore as of June 2025. The bank has healthy credit ratings of AA- (Stable)/A1+ from CARE and CRISIL, which reflect healthy financial health.

Growth Roadmap Spreads Sentiment

The two-day run-up has propelled the counter by more than 8%, after the management announced an aggressive growth roadmap of growing the loan book of the bank to ₹1 lakh crore by FY30. On Monday, the scrip had gained 3.7% to ₹44.15.

Portfolio Mix and Deposits A Priority Thing

Investor confidence was underpinned by the bank’s strategic focus on portfolio diversity, enhanced deposit mobilisation, and continued capital strength. Ujjivan has also sought to raise the secured loan share to 65–70% of its total portfolio by FY30 from the current mix, while raising the CASA ratio to 35% of deposits. Retail deposits already account for 72% of its ₹38,619 crore deposit pool as of June 2025, reflecting a stable funding franchise.

Profitability and Capital Cushion

The bank also targets delivering a return on equity of 16-18% and return on assets of 1.8-2.0% by the end of the decade. Capital cushions are in good position with a capital adequacy ratio of 22.8% and Tier I capital of 21.2%, giving ample room for growth.

Growing The Branch Network To 1,150 By FY30

Managing Director and CEO Sanjeev Nautiyal said the growth strategy involves growing the branch network from current 752 outlets to about 1,150 by FY30, and doubling productivity. “Our plans for enhancing secured lending and expanding retail deposit base will enable us to achieve 20-25% year-on-year loan growth on a consistent basis over the medium term,” he further said.

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