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6M Return 81.21%
1Y Return 61.62%
Mkt Cap.(Cr) 5,843.97
Volume 2,042,013
Div Yield 0.00%
OI Chg %
Volume 2,042,013

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Rapid Results

Q2FY23 Quarterly Result Announced for Ujjivan Small Finance Bank Ltd.

Ujjivan Small Finance Bank announced Q2FY23 results:

  • Gross advances at Rs 20,938 crore up 44% YoY and 8% QoQ
  • Strong disbursements for Q2 – Rs 4,866 crore up 56% YoY
  • As of September 30, 2022, total provision on books are at Rs 1,126 crore – Rs.115 crore standard provision, Rs 762 crore account level NPA provision and Rs 250 crore floating provision. The entire floating provision of Rs 250 crore created in June 2021 continues to be there on books and can be utilised for making specific provisions in extraordinary circumstances with prior approval of RBI. Only Rs 160 crore is utilised for NNPA/ PCR calculation, Rs 30 crore towards Tier II capital and the balance Rs 60 crore has been grouped as part of other provisions without utilising the same towards Tier II capital. This amount continues to be earmarked for utilisation for NNPA/PCR as and when needed.
  • Continued traction on the collections site at ~100% in Q2FY23
  • Portfolio at risk continues to decline; 6.1% as of Q2FY23 vs 7.9% as on Q1FY23
  • GNPA/NNPA declined to 4.4%/0.04% as of Q2FY23, against 5.9%/0.1% of Q1FY23. Total of Rs 157 crore written-off in Q2FY23. Provision coverage ratio as on Q2FY23 is 99%
  • Substantial reduction in a restructured book; constitutes 2.3% of gross advances with provision cover of 63%
  • Deposits at Rs 20,396 crore as of Q2FY23; up by 45% YoY; retail deposits at 61% of total deposits against 52% of Q2FY22; CASA ratio at 26.9% in Q2FY23 vs 22.5% in Q2FY22. Retail banking CASA grew 79% YoY contributing 79% to total CASA; healthy retail liability customer acquisition.
  • Net Interest Income of Rs 663 crore in Q2FY23; net interest margin at 9.8% in Q2FY23 against 8.1% in Q2FY22
  • Operating expenses to average assets at 6.6%; cost to income ratio at 52.5% in Q2FY23 vs 82.3% in Q2FY22
  • PPoP at Rs.385 crore vs Rs.79 crore in Q2FY22; PAT of Rs.294 crore vs Rs.(274) crore YoY
  • Capital adequacy ratio at 26.70% with Tier-1 capital at 23.37%; Liquidity coverage ratio at 219% as of Q2FY23

Ittira Davis, MD & CEO, Ujjivan Small Finance Bank, said, “Q2FY23 is another milestone quarter with record profitability. While disbursements continue to sustain the Rs 4,000 crore mark, deposit growth took-off well this quarter driven by retail deposits. Our loan book grew 8% vs June 2022 / 44% vs September 2021 to Rs 20,938 crore and deposits are up 11% vs June 2022 / 45% vs September 2021. Retail deposits and CASA contribute to 61% and 26.9% of total deposit. PAR continues to improve, currently at 6.1% vs. 7.9% as on June 2022. This is largely due to sustained collection efficiency at pre-covid levels and normalised slippages; while recoveries continue to be strong. We continue to hold strong provisioning buffers on our books with PCR at 99%, resulting into NNPA of mere 0.04%. Additional provision of Rs 30 crore is being used towards CRAR and Rs 60 crore has been grouped as part of other provisions without utilising the same. We remain focused on building granular deposit franchise and continuously enhance digital capabilities to drive improved business and productivity levels. With recent capital raise and sustained high profitability, September 2022 CRAR is far more than comfortable to capitalise on opportunities ahead.”

Result PDF


  • Profit and loss statement

  • Balance sheet

  • Quarterly Result

  • Ratio


Operating Profit(Cr.)

Profit after Tax(Cr.)


Reserves and Surplus



Operating Profit

Profit after tax





Equity Capital: 2,760.43 Cr FV: 10.00
Period MF Net Purchase / (sold) FII Net
LAST 1M 4,766.50 32,041.69
LAST 3M 28,862.66 46,665.50
LAST 6M 52,909.20 49,493.09
LAST 12M 193,038.46 -134,673.23
  • Announcement
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Date Action Type Ratio
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  • About Company
  • Company Info
  • Listing Info
  • Ujjivan Small Finance Bank Limited is a mass market focused small finance bank in India, catering to financially unserved and underserved segments and committed to building financial inclusion in the country.The companies Promoter, Ujjivan Financial Services Limited (UFSL) commenced operations as an NBFC in 2005 with the mission to provide a full range of financial services to the economically active poor` who were not adequately served by financial institutions. On October 7, 2015, UFSL received RBI In-Principle Approval to set up a Small Finance Bank(SFB), following which it incorporated Ujjivan Small Finance Bank Limited as a wholly-owned subsidiary. UFSL, subsequent to obtaining RBI Final Approval on November 11, 2016 to establish and carry on business as an SFB, transferred its business undertaking comprising of its lending and financing business to our Bank, which commenced its operations from February 1, 2017. Ujjivan Small Finance Bank has a diversified portfolio with branches spread across 24 states and union territories and a customer base of 4.72 million as of June 30, 2019. Apart from the network of branches, ATMs and Automated Cash Recyclers, the bank has a phone banking unit that services customers in eleven languages, a mobile banking application that is accessible in five languages as well as internet banking facility for individual and corporate customers.

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Registered Address

Plot No 2364/8 Khampur Raya, Vil. Shadi Kampur Main PatelRd, New Delhi, New Delhi, 110008

Tel : 91-11-30432121
Email : corporatesecretarial:ujjivan.com
Website : http://www.ujjivansfb.in


KFin Techologies Ltd

AGM Date (Month) : Sep
Face Value Equity Shares : 10
Market Lot Equity Shares : 1
BSE Code : 542904
Book Closure Date (Month) :
BSE Group : B
ISIN : INE551W01018

ICICIdirect Ujjivan Small Finance Bank Ltd FAQ

You can buy Ujjivan Small Finance Bank Ltd shares through a brokerage firm. ICICIdirect is a registered broker through which you can place orders to buy Ujjivan Small Finance Bank Ltd Share.
Company share prices and volatile and keep changing according to the market conditions. As of Dec 02, 2022 04:01 PM the closing price of Ujjivan Small Finance Bank Ltd was ₹ 29.90.
Market capitalization or market cap is determined by multiplying the current market price of a company’s shares with the total number of shares outstanding. As of Dec 02, 2022 04:01 PM, the market cap of Ujjivan Small Finance Bank Ltd stood at ₹ 5,843.97.
The latest PE ratio of Ujjivan Small Finance Bank Ltd as of Dec 02, 2022 04:01 PM is 9.97
The latest PB ratio of Ujjivan Small Finance Bank Ltd as of Dec 02, 2022 04:01 PM is 0.60
The 52-week high of Ujjivan Small Finance Bank Ltd is ₹ 31.10 while the 52-week low is ₹ 13.50 .

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