Ujjivan Small Finance Bank (UJJIVANSFB) investor relations material

Executive summary

• Achieved record Q1 FY27 earnings with Net Interest Income of ₹1,186 Cr, up 38.6% YoY, and PAT of ₹317 Cr, up 206.7% YoY, with RoA at 2.2% and RoE at 18.2%.

• Delivered steady business growth in Q1 FY 2027, with strong performance across both liability and asset franchises, despite macroeconomic uncertainties and tight liquidity conditions.

• Opened 38 new branches, bringing the total to 814 as of June 26th, supporting distribution and growth strategies.

• Launched new retail offerings, including mutual fund distribution, co-branded credit cards, and digital unsecured fast-track loan products.

• Unaudited financial results for the quarter ended June 30, 2026, were approved by the Board and reviewed by joint statutory auditors, who issued an unmodified report.

Financial highlights

• Profit after tax reached ₹31,654 lakh (₹317 Cr), with ROA at 2.2% and ROE at 18.2% for Q1 FY27.

• Net interest income rose to ₹1,186 Cr; net interest margin stable at 8.5%.

• Deposits grew 25% YoY to ₹48,129 Cr; CASA deposits up 37.8% to ₹12,930 Cr.

• Gross loan book expanded 29% YoY to ₹42,903 Cr; disbursements at ₹9,245 Cr, up 41.4%.

• Cost of funds declined to 5.2%; liquidity coverage ratio at 132%.

Outlook and guidance

• FY27 guidance: advances growth of 25%, credit cost of 0.9–1.0% of ATA, and RoA of 1.8–2.0%.

• OPEX to average assets expected at 6.4% for the year, with efficiency gains offsetting capacity-building expenses.

• Digital Banking reporting as a sub-segment under Retail Banking will be implemented based on future regulatory decisions.