Ujjivan Small Finance Bank reported robust performance for Q3FY26, with total deposits up 22.4% YoY to ₹42,223 Cr. CASA deposits increased by 33.2% YoY, reaching ₹11,535 Cr. The bank’s disbursements reached a record high of ₹8,293 Cr, up 54.7% YoY. Net Interest Income (NII) grew by 8.5% QoQ to ₹1000 Cr, and Profit After Tax (PAT) stood at ₹186 Cr, reflecting a 70.8% YoY increase.
Deposit Growth
Total deposits reached ₹42,223 Cr, reflecting a 22.4% YoY and 7.7% QoQ growth. CASA deposits increased to ₹11,535 Cr, up by 33.2% YoY and 7% QoQ, with a CASA ratio of 27.3%. Retail deposits stood at ₹29,395 Cr, constituting 69.6% of total deposits. The cost of funds decreased to 7.1% from 7.6% in Q3FY25.
Asset Quality & Disbursements
The bank achieved record disbursements of ₹8,293 Cr, a 54.7% YoY and 4.5% QoQ increase. The secured book stood at ₹17,825 Cr, contributing 48% to the loan book. Micro-banking collections efficiency remained strong at 99.70% for December 2025. Slippages were reported at ₹221 Cr due to reduced stress in the micro-banking portfolio.
Financial Performance
Net Interest Income (NII) grew by 8.5% QoQ to ₹1000 Cr. Pre-Provision Operating Profit (PPoP) increased to ₹440 Cr, up 22.5% YoY and 11.3% QoQ. The bank’s Profit After Tax (PAT) was reported at ₹186 Cr, representing a 70.8% YoY and 52.2% QoQ increase.
Key Ratios
Net Interest Margin (NIM) stood at 8.2%. Return on Assets (ROA) was 1.5% and Return on Equity (ROE) at 11.5%.
Business Expansion
The bank has a presence across 26 States and UTs, covering 339 Districts, supported by 777 branches.
Guidance FY26
- Advances Growth: ~20%
- Secured Book Growth: ~35%
- Maintain CD Ratio: ~88%
- CASA%: ~27%
- Cost to Income: ~67%
Source: BSE
