Ujjivan Small Finance Bank reported significant growth for the financial year ending March 31, 2026. Total deposits climbed to ₹45,661 crore, marking a 21.3% Y-o-Y increase, while the Gross Loan Book expanded to ₹40,655 crore, a 26.6% Y-o-Y rise. The bank demonstrated strong operational momentum, particularly in Gold Loans and MSME segments, alongside an improved asset quality profile as it closed the fiscal year with solid collection efficiencies.
Financial Growth and Deposit Momentum
Ujjivan Small Finance Bank has concluded the fiscal year 2026 on a strong note. Total deposits stood at ₹45,661 crore, reflecting a robust 21.3% growth compared to March 2025. A key driver for this performance was the CASA (Current Account Savings Account) portfolio, which grew by 35.8% Y-o-Y to reach ₹13,055 crore, resulting in an improved CASA ratio of 28.6%.
Loan Book Expansion
The bank’s Gross Loan Book reached ₹40,655 crore as of March 31, 2026. Growth was witnessed across multiple segments, with the Gold Loan portfolio witnessing a massive 292.2% Y-o-Y surge, while the MSME segment grew by 57.9%. Furthermore, the bank’s focus on secured lending is evident, with the total Secured Book reaching ₹20,081 crore, representing 49.4% of the total loan portfolio.
Quarterly Performance and Asset Quality
For Q4 FY26, the bank achieved overall disbursements of ₹9,763 crore, a 31.4% increase over the same period in the previous year. Asset quality showed a positive trend, with the PAR (Portfolio at Risk) improving to 3.54% as of March 31, 2026, down from 4.54% in March 2025. Micro banking collection efficiency remained consistently high, consistently exceeding 99.7% throughout the final quarter of the fiscal year.
Proactive Asset Management
During FY26, the bank managed its non-performing assets through a write-off of ₹545 crore. The bank’s proactive approach to maintaining credit health and its diversified lending strategy continue to provide a stable foundation for the upcoming fiscal year.
Source: BSE
