Ujjivan Small Finance Bank Limited
Ujjivan Small Finance Bank Limited operates in Other Bank, part of the Financial Services sector. It booked ₹2,153 cr of revenue in its latest quarter (Q2 FY27) and kept 17.0% of sales as profit. It is the 2nd largest of 9 Other Bank companies we track, by market value.
| Segment | FY21 | FY25 | FY26 | Share |
|---|---|---|---|---|
| Retail banking | 2,741 | 6,141 | 6,877 | 88% → 86% |
| Treasury | 319 | 864 | 936 | 10% → 12% |
| Wholesale banking | 57 | 196 | 226 | 2% → 3% |
| Total | 3,117 | 7,201 | 8,039 |
From the company's standalone segment filings (Ind AS 108). Margin is segment operating profit (before interest & tax) over segment revenue; reconciliation rows like inter-segment eliminations are excluded from the mix.
“is to promote inclusive growth through accessible, need-based financial solutions.”
Healthier than 68% of companies in Financial Services, on the 4 of 6 measures we could read for it. Each measure is ranked against the 102–253 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 42
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
What today's price implies, against our models or its peers
How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure
Not measurable for this company: balance sheet, growth & consistency. Those pillars are left out of the score rather than counted as zero.
What if I invest in UJJIVANSFB?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-11-04.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Interest Earned | ₹2,153 cr |
| Other Income | ₹296 cr |
| Total Income | ₹2,449 cr |
| Interest Expended | ₹905 cr |
| Employee Cost | ₹512 cr |
| Other Operating Expenses | ₹438 cr |
| Total Expenditure | ₹1,855 cr |
| Operating Profit before Provisions | ₹594 cr |
| Provisions & Contingencies | ₹103 cr |
| Profit before Tax | ₹491 cr |
| Tax Expense | ₹126 cr |
| Net Profit | ₹365 cr |
| Net margin on total income | 14.9% |
Not enough income-statement detail filed to break this down yet.
| Metric | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Revenue | 1,878 cr | 2,025 cr | 2,153 cr |
| Total income | 2,185 cr | 2,281 cr | 2,449 cr |
| Expenses | — | — | — |
| Profit before tax | 371 cr | 421 cr | 491 cr |
| Tax | 89 cr | 104 cr | 126 cr |
| Net profit (owners' share) | 282 cr | 317 cr | 365 cr |
| Net margin (owners' share, on revenue) | 15.0% | 15.6% | 17.0% |
| EPS (₹) | 1.45 | 1.63 | 1.87 |
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| AU Small Finance Bank Limited | ₹880 | ₹66,120 cr | 19.2 | 15.7% | 15.3% | — |
| Ujjivan Small Finance Bank Limitedthis company | ₹57 | ₹11,082 cr | 7.6 | 19.4% | 17.0% | — |
| Equitas Small Finance Bank Limited | ₹53 | ₹6,024 cr | 6.9 | 13.3% | 10.6% | — |
| Jana Small Finance Bank Limited | ₹377 | ₹3,994 cr | 5.9 | 13.8% | 10.7% | — |
| Utkarsh Small Finance Bank Limited | ₹12 | ₹2,164 cr | — | -4.9% | -3.8% | — |
| ESAF Small Finance Bank Limited | ₹41 | ₹2,110 cr | 3.3 | 31.7% | 13.6% | — |
| Suryoday Small Finance Bank Limited | ₹138 | ₹1,469 cr | 4.8 | 13.8% | 10.9% | — |
| Capital Small Finance Bank Limited | ₹270 | ₹1,230 cr | 6.7 | 12.0% | 15.2% | — |
| Fino Payments Bank Limited | ₹116 | ₹962 cr | — | -10.8% | -28.1% | — |
| Action | Detail | Ex-date |
|---|---|---|
| Dividend | ₹1.5 / share | 12 Jul 2024 |
| Dividend | ₹0.5 / share | 14 Jul 2023 |
| Dividend | ₹0.75 / share | 1 Mar 2023 |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.