Ujjivan Small Finance Bank’s Board of Directors approved the unaudited financial results for Q3 2026 (October-December). The results, reviewed by the Audit Committee, show a net profit of ₹18.57 crore. The bank’s gross NPA ratio stands at 2.38%, while the net NPA ratio is at 0.57%. The Capital Adequacy Ratio (CAR) is reported at 21.62%.
Financial Performance
Ujjivan Small Finance Bank (USFB) announced its unaudited financial results for the quarter ended December 31, 2025 (Q3 2026), following a Board of Directors meeting on January 22, 2026. Key highlights from the announcement include:
- Net Profit: ₹18.57 crore
- Total Income: ₹204.74 crore
Asset Quality
The bank’s asset quality indicators as of December 31, 2025:
- Gross NPA: ₹879.39 crore, representing 2.38% of gross advances
- Net NPA: ₹208.08 crore, or 0.57% of net advances
Capital Adequacy
As of December 31, 2025, Ujjivan Small Finance Bank reports a Capital Adequacy Ratio (CAR) of 21.62%.
Segment Performance
The bank’s operating segments include Treasury, Retail Banking, and Wholesale Banking. Key figures include:
- Treasury Revenue: ₹21.82 crore
- Retail Banking Revenue: ₹177.60 crore
- Wholesale Banking Revenue: ₹5.32 crore
Other Key Points
- Earnings per share (EPS) for the quarter is ₹0.96 (basic) and ₹0.94 (diluted).
- The Board has also approved the Limited Review Report issued by joint statutory auditors.
Source: BSE
