Ujjivan Small Finance Bank reported strong performance for the financial year ending March 31, 2026. The bank achieved a full-year net profit of ₹69,263 lakh. For the final quarter (Q4), net profit reached ₹28,197 lakh, marking a significant increase from the same quarter in the previous year. The bank maintains a healthy capital position with a Capital Adequacy Ratio of 21.14%, reflecting its ongoing growth strategy and operational efficiency.
Annual Financial Performance
For the financial year ended March 31, 2026, Ujjivan Small Finance Bank demonstrated resilient growth. The bank generated a total income of ₹8,03,897 lakh, culminating in an annual net profit of ₹69,263 lakh. This result underscores the bank’s operational performance throughout the year, driven by steady growth across its core business segments.
Quarterly Highlights
In the fourth quarter (Q4) ending March 31, 2026, the bank recorded a strong net profit of ₹28,197 lakh. Total income for the quarter stood at ₹2,18,506 lakh. These quarterly results reflect the bank’s ability to navigate market conditions and maintain a strong momentum in its retail and wholesale banking operations.
Segment Breakdown
The bank’s business is anchored by its Retail Banking segment, which remains the primary driver of revenue, contributing ₹6,87,696 lakh to the annual total income. The Treasury and Wholesale Banking segments also contributed to the overall portfolio, with incomes of ₹93,608 lakh and ₹22,593 lakh respectively for the full year.
Asset Quality and Capital Strength
As of March 31, 2026, the bank reported Gross NPAs at 2.26%, while Net NPAs stood at 0.43%. The bank continues to maintain a robust capital base with a Capital Adequacy Ratio of 21.14%. Additionally, the bank’s net worth reached ₹6,81,568 lakh, highlighting its strong financial position to support future lending activities and business expansion.
Source: BSE
