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Ujjivan Small Finance Bank Ltd share Price Today

Company details

6M Return 57.18%
1Y Return 88.41%
Mkt Cap.(Cr) 11,124.25
Volume 6,625,903
Div Yield 2.20%
OI Chg %
Volume 6,625,903

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Ujjivan Small Finance Bank announced Q2FY24 results:

1. Financial Performance:
- NII increased by 24% YoY, reaching Rs 823 crore.
- NIM at 8.8% for Q2FY24
- PAT grew by 11% YoY, totaling to Rs 328 crore.
- Gross loan book increased by 27% YoY, reaching Rs 26,574 crore.
- Q2FY24 PPoP at Rs 483 crore up 26% YoY

2. Asset Quality:
- GNPA decreased to 2.2% as of September 2023, compared to 2.4% in June 2023.
- NNPA remained negligible at 0.09%.
- Portfolio at Risk (PAR) stood at 3.7% as of September 2023.
- Total of Rs 56 crore written-off in Q2FY24
- Provision coverage ratio as of September 2023 is 96%

3. Deposit Growth:
- Total deposits increased by 43% YoY, reaching Rs 29,139 crore.
- Retail term deposits grew by 56% YoY.

4. Business Expansion:
- 39 new branches were added, increasing the total branch count to 700.
- Nationwide brand campaign and value-added liability products were launched to enhance brand recall and deepen relationships with stakeholders.

Ittira Davis, MD & CEO of Ujjivan Small Finance Bank said, “Q2FY24 was yet another impressive quarter in terms of business performance. Business momentum continued its strong uptrend as seen in the previous quarters. Disbursements at Rs 5,749 crore were strong registering a robust growth of 18% YoY and 9% QoQ. Our secured book in Affordable Housing and FIG continues their strong performance. Further, our newer offerings like Gold loans and two-wheeler loans targeted to meet the growing needs of our customer base are enhancing our product suite and will consequently aid growth. To provide further impetus to growth and brand awareness, we have introduced several initiatives during the quarter such as the launch of a nationwide brand campaign and value-added liability products targeting to enhance and deepen brand recall among our existing and potential stakeholders. Further, we have also opened 39 new branches, taking our total branch count to 700. In H2 we will be adding ~45 more branches, this will include the splitting of a few branches to better manage the volumes. All these efforts have resulted in healthy growth of liabilities for our Bank. Our CASA has crossed the Rs 7,000 crore mark, growing by 28% YoY and 7% QoQ. Further, our Retail TDs CASA grew 44% YoY to Rs 18,818 crore. Q2FY24 was yet another quarter where we marked Rs 300 crore PAT. This was supported by our healthy NII growing by 24% YoY and 4% QoQ. However, the Cost of funds remained elevated in the current quarter as well, leading to NIM compression of 43 bps vs last quarter. We continue to stick to our guidance on loan and deposit book growth. Further, we are also confident to maintain credit costs below 100 bps. Our strong focus on other initiatives such as ‘Hello Ujjivan’ is gaining acceptance among customers with 4.3 Lakhs downloads to date and total repayments of more than Rs 40 crore in Q2FY24. ‘Digital FDs’ which was recently launched is also expected to bring business in the upcoming quarters.

On the merger with our promoter, as per the order received from the Hon’ble NCLT, the shareholder’s EGM is being convened on 3rd Nov’23 by the Bank as well as Ujjivan Financial Services. Once the merger is approved by the shareholders of both companies, we will proceed with the remaining procedural and regulatory aspects. We expect the merger to be completed in Q4FY24.”



Result PDF

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Operating Profit
Profit after Tax
Reserves and Surplus
Operating Profit
Profit after Tax

Ujjivan Small Finance Bank Ltd Stocks COMPARISION


Equity Capital: 4,157.89 Cr FV: 10.00

Period MF Net Purchase / (sold) FII Net
LAST 1M 16,520.16 27,959.84
LAST 3M 53,623.33 7,912.60
LAST 6M 94,188.00 82,000.34
LAST 12M 161,805.53 123,740.85

Ujjivan Small Finance Bank Ltd Information

Stock PE (TTM)
Promoter Holding
Book Value
  • 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. The Bank operationalised 101 Banking Outlets (BO) including 24 in Unbanked Rural Centres (URCs) during FY 2019-20. As of March 31, 2020, the Bank operated a strong network of 575 Banking Outlets (BOs) and 475 ATMs. The Bank came up with an IPO of 202,702,702 Equity Shares of Face Value of Rs 10 each for cash at a price of Rs 37 per equity share (including a share premium of Rs 27 per equity share) aggregating to Rs 7,459.46 Million. Pursuant to the IPO, the Equity Shares of the Bank got listed on BSE and NSE on December 12, 2019. The Bank, as part of its IPO, had undertaken PreIPO Placement of 71,428,570 Equity Shares by way of preferential issue on private placement basis at a price of Rs 35 per equity shares for cash consideration. As of March 31, 2021, the Bank operated a strong network of 575 Banking Outlets (BOs) and 491 ATMs. During FY 2020-21, new products launched included Differential saving account rates; Point of Sale (PoS) machine; Cash Management Services (CMS) solutions; Online fee collection solutions and QR code solution for merchants. The Bank introduced new health insurance offerings, scaled up employee IRDA certification efforts, improved internal processes to remove operational bottlenecks, adopted digital initiatives for customer on-boarding and servicing, and focused on quality customer acquisition across business verticals. The Bank operated a network of 492 Automated Teller Machines (ATMs) as at March 31, 2022. New products like term loan, overdraft and cash credit facility, were launched under the Credit Guarantee Trust for MSE scheme (CGTMSE); and cash credit/OD facilities were introduced for FIG customers. During 2023, the Bank expanded its branch network by introducing 54 new branches, bringing the total to 629 branches. The Bank operated a network of 517 Automated Teller Machines (ATMs) as at March 31, 2023. It commenced operations in Telangana. It opened 9 new branches in Uttar Pradesh and Gujarat; it added regional processing hubs across the country to enhance the regional presence and cater to major markets such as Ahmedabad, Coimbatore, Patna, and Jaipur. Additionally, it launched Asset Centres dedicated to serving MSME customers, with the first centre opening in Mysuru.

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

FAQ’s on Ujjivan Small Finance Bank Ltd Shares

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 05, 2023 02:49 PM the closing price of Ujjivan Small Finance Bank Ltd was ₹ 56.90.

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 05, 2023 02:49 PM, the market cap of Ujjivan Small Finance Bank Ltd stood at ₹ 11,124.25.

The latest PE ratio of Ujjivan Small Finance Bank Ltd as of Dec 05, 2023 02:49 PM is 8.88

The latest PB ratio of Ujjivan Small Finance Bank Ltd as of Dec 05, 2023 02:49 PM is 0.41

The 52-week high of Ujjivan Small Finance Bank Ltd is ₹ 61.40 while the 52-week low is ₹ 22.75

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