Ujjivan SFB FY26: deposits rise 17% to ₹34,070 cr

Board meeting update: what the filing highlighted

Ujjivan Small Finance Bank disclosed the outcome of its board meeting for the financial results for the quarter and year ended March 31, 2026, through a stock exchange update dated May 8, 2026. Alongside the results context, the disclosure carried two operational datapoints that investors typically track closely for a lender: provisioning coverage on a specified loan pool and deposit momentum. The bank said it has created an overall provision of 66.51% on the stated loan pool, describing it as a measure to ensure adequate risk coverage. It also reported that deposits increased 17% year-on-year to ₹34,070 crore, with current account savings account (CASA) deposits rising 26% year-on-year.

The update sits amid routine corporate communication that also includes AGM notices, EGM proceedings, and voting timelines. For shareholders, these filings help connect the financial performance narrative with governance processes such as voting, disclosure schedules, and audit oversight.

Provisioning: 66.51% coverage on a stated loan pool

The bank’s disclosure that it has created an overall provision of 66.51% on a stated loan pool is a key risk indicator from the filing. While the announcement does not detail the size or composition of that pool, the percentage itself signals the degree of loss-absorption buffer created against that identified set of loans.

Provisioning levels are typically watched for what they imply about portfolio stress recognition and the bank’s stance on conservatism. In this case, the bank explicitly linked the provisioning level to “adequate risk coverage.” The filing, however, does not provide a quarter-by-quarter breakdown or the movement in provisions, so the takeaway is limited to the headline coverage percentage stated.

Deposits: 17% growth and stronger CASA traction

On the funding side, Ujjivan Small Finance Bank reported deposits of ₹34,070 crore, up 17% year-on-year. It also indicated that CASA deposits increased 26% year-on-year. CASA growth is often tracked because it can support a more stable deposit profile relative to term deposits.

The disclosure does not provide the absolute CASA number or the share of CASA in total deposits. But the fact pattern presented is clear: overall deposits expanded and CASA grew faster than total deposits during the stated period.

Business profile context from the bank’s disclosures

In the broader corporate material included with the provided text, Ujjivan Small Finance Bank described itself as a mass market focused bank in India, serving financially unserved and underserved segments. It also outlined its origins, stating that it started operations as Ujjivan Financial Services Limited, a non-banking financial company, in 2005 with a mission to provide financial services to the “economically active poor” who were not adequately served by financial institutions.

Separately, the bank’s disclosed business mix snapshot shows the relative contribution of major segments across two time points: Q3 FY26 and FY22. This gives investors a simple view of how the composition has shifted over time, without implying anything beyond what is stated.

AGM and shareholder process: July 24, 2026 meeting and voting timeline

The bank’s notice states that the 10th Annual General Meeting will be held on Friday, July 24, 2026 at 03:30 PM IST through video conferencing or other audio-visual means. It also sets out the voting and disclosure mechanics around the meeting.

As per the notice, the results of remote e-voting and e-voting are to be declared within two working days from the conclusion of the AGM. The bank also stated that the voting results, along with the Scrutiniser’s Report, will be published on the bank’s website (www.ujjivansfb.bank.in) and on the service provider’s website (https://evoting.kfintech.com) within two working days from the conclusion of the AGM, and will be simultaneously communicated to BSE and NSE.

The notice also names Mr. Pradeep B Kulkarni (FCS: 7260; CoP: 7835) as the scrutinizer for the AGM, with his consent noted.

EGM proceedings: March 28, 2025 meeting and disclosure steps

The text also contains details of an Extra Ordinary General Meeting held on March 28, 2025 from 03:30 PM IST to 03:54 PM IST through VC/OAVM, in compliance with the Companies Act, 2013 and related rules. The filing indicates that voting results and the scrutinizer’s report were to be disclosed to the stock exchanges and made available on the bank’s website within two working days.

A scrutinizer’s report excerpt in the provided text references S Kannan, practicing company secretary, appointed as scrutinizer, and states that the resolution set out in the EGM notice dated March 5, 2025 was approved by members with requisite majority. The report also notes that the scrutinizer’s responsibility was restricted to reporting votes cast in favour or against based on reports generated from the e-voting system facilitated by KFin Technologies Limited.

Statutory audit: FY2025-26 audit conducted jointly

For FY2025-26, the bank’s statutory audit was conducted jointly by M/s Deloitte Haskins & Sells, as stated in the provided text. The same set of corporate material also references regulatory relaxations under SEBI Listing Regulations relating to dispatch of physical copies of annual reports and AGM notices, and mentions that members seeking a physical copy may write to the company secretary at corporatesecretarial@ujjivan.com.

Stock snapshot and key metrics cited in the data

The provided data includes a market snapshot for the bank’s stock and select valuation and return ratios. These are point-in-time figures as listed in the text and help frame how the market currently prices the bank relative to reported book value and earnings multiple.

The data also states that earnings include other income of ₹1,108 crore, and that dividend payout has been low at 2.02% of profits over the last three years.

Registered office, registrar, and investor contact points

For investor communication, the registered office address in the text is Grape Garden, 3rd “A” Cross, 18th Main, 6th Block, Koramangala, Bengaluru 560095, Karnataka. The listed telephone number is 080-40712121, fax 080-41468700, and investor relations email is investorrelations@ujjivan.com. The website is https://www.ujjivansfb.bank.in.

The registrar information in the provided text lists an address at Selenium Tower B, Plot No. 31-32, Gachibowli Financial District, Nanakramguda, Hyderabad 500032, Telangana, with telephone numbers 040-67161500, 67162222, 33211000; fax numbers 040-23420814, 23001153; and email einward.ris@karvy.com.

What investors can track next based on disclosed dates

The dataset also mentions an upcoming result date of July 23, 2026. Separately, the AGM is scheduled for July 24, 2026, with voting results to be declared within two working days after the meeting, as per the notice.

These dates provide a defined near-term calendar for shareholders to watch for formal updates, including disclosures to exchanges and publication of voting outcomes on the bank and service provider websites.

Conclusion

Ujjivan Small Finance Bank’s board meeting outcome for FY26 results included two clear operational indicators: 66.51% overall provisioning on a stated loan pool and deposit growth of 17% year-on-year to ₹34,070 crore, with CASA deposits up 26%. Alongside financial and operational data, the bank’s filings lay out governance timelines, including the July 24, 2026 AGM and the stated two-working-day window for publishing voting results and the scrutiniser’s report.