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MBEQU1944

Ujjivan Small Finance Bank Ltd

UJJIVANSFB

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Market Cap

₹ 10,497 Cr

P/E

25.19


Investment Checklist



























Technicals

Oscillators

BearishNeutralBullish

Neutral

Bearish

2

Neutral

9

Bullish

3

Overall

BearishNeutralBullish

Bearish

Bearish

20

Neutral

9

Bullish

17

Moving Averages

BearishNeutralBullish

Bearish

Bearish

18

Neutral

0

Bullish

14

Overall

BearishNeutralBullish

Bearish

Bearish

20

Neutral

9

Bullish

17

Forecasts

No. of Analysts

20

No. of Analysts

1Y Price Target

59.45 ▲ 10.32%

1Y Price Target

Q3 EPS Estimate

Q3 EPS Estimate

Q3 Revenue Estimate

Q3 Revenue Estimate

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Price, EPS and Revenue Projections

forecasts-premiumforecasts-premium
Strong SellSellHoldBuyStrong Buy

Strong Buy

Strong Buy

11

Buy

7

Hold

1

Sell

1

Strong Sell

0

updated on

Dec 03, 2025

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures
QoQ Changes
Total Figures
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Revenue1,2871,3911,4711,5291,5771,6131,5911,5731,6191,682
Expenses5385766507307398419231,0399691,018
Interest494568611595636669704709763761
Financing Profit255248210203203103-36-174-113-96
Financing Margin %19.7817.8114.2513.3112.846.39-2.25-11.09-7.01-5.71
Other Income177189185236197207172270249256
Depreciation
Profit Before Tax43243639444040031013695136160
Tax %24.9524.9123.9225.0124.6724.9020.3512.4623.8524.06
Net Profit32432830033030123310983103122
EPS in Rs1.671.671.521.691.531.190.560.430.530.62
Gross NPA %2.622.352.182.232.522.522.682.182.522.45
Net NPA %0.060.090.170.280.410.560.560.490.700.67

Standalone Profit Loss (in ₹ Crores)

Total Figures
YoY Changes
Total Figures
Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue2171,4681,8322,7042,8062,8134,1655,6776,3546,396
Expenses1129241,0531,5331,9442,6031,7302,3963,4063,771
Interest1096077251,0701,0781,0391,4672,2682,7182,845
Financing Profit-4.06-6354100-215-8309681,014230-221
Financing Margin %-1.87-4.312.943.71-7.67-29.5023.2517.863.62-3.45
Other Income9.20111206322302360589787846898
Depreciation5.10416173778090981350.00
Profit Before Tax0.046.8619935010-5501,4671,702942677
Tax %0.000.000.000.0018.6424.6725.0324.7122.8822.02
Net Profit0.046.861993508.30-4151,1001,281726528
EPS in Rs2.100.05-2.155.706.533.702.14
Dividend Payout %0.000.000.000.000.000.0021.5122.940.00

Standalone Balance Sheet (in ₹ Crores)

Total Figures
YoY Changes
Total Figures
Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital661,4401,4401,4401,7281,7281,7281,9555191,935
Reserves2560.046.901801,2601,2908742,0545,0954,148
Borrowings9976,4987,62511,54614,73416,38320,05628,17933,63340,476
Other Liabilities414984015776909799541,1291,1761,130
Total Liabilities1,3608,4369,47313,74218,41120,38023,61233,31740,42247,689
Fixed Assets11137194282280276244265395444
CWIP0.003.174.202.10214.795.79183213
Investments0.101,4471,2321,5272,3962,5164,1538,5109,76611,730
Other Assets1,3496,8498,04211,93115,71517,58319,21024,52430,23035,502
Total Assets1,3608,4369,47313,74218,41120,38023,61233,31740,42247,689

Standalone Cash Flows (in ₹ Crores)

Total Figures
YoY Changes
Total Figures
Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity-409-7,0842,3144782422,6572,5541,0601,5822,028
Cash from Investing Activity2.79-161-101-148-757-1,356-841-2,096-853-1,793
Cash from Financing Activity4277,931-2,439287776-706-1,4841,186-519398
Net Cash Flow21687-225617261595230151210633

Shareholdings

Shareholding History

Quarterly
Yearly
Quarterly
Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024May 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Promoters73.67%73.67%73.66%73.60%73.52%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
FIIs1.97%3.89%3.54%3.70%3.49%26.95%24.68%20.63%17.88%19.51%19.56%17.04%
DIIs8.35%7.08%4.21%3.99%2.32%7.79%7.33%6.50%6.58%8.47%16.83%20.13%
Public16.01%15.36%18.59%18.71%20.67%65.26%67.99%72.87%75.55%72.02%63.62%62.82%
Total Shareholders2,78,2882,94,8854,52,7495,98,0806,90,4247,99,9379,14,07710,68,32511,38,62611,24,0919,84,2659,37,143

Market Transactions

DatePartyCategoryTypeAvg Price (₹)Total Value (₹)QuantityPercent Traded
Dec 05, 2025Ashim sarkarInsider - Designated PersonAcquisition28.310.35 Cr1,22,257
Dec 05, 2025Joshua raja rInsider - Designated PersonAcquisition24.550.19 Cr77,603
Dec 05, 2025Martin pampilly sInsider - Designated PersonAcquisition30.010.23 Cr75,214
Nov 26, 2025Joshua raja rInsider - Designated PersonDisposal55.000.18 Cr32,500
Oct 28, 2025Abdul hameed chamanInsider - Designated PersonDisposal53.890.27 Cr50,0010.00
Sep 19, 2025John christy aInsider - Designated PersonDisposal45.520.20 Cr45,0000.00
Sep 19, 2025John christy aInsider - Designated PersonAcquisition35.000.04 Cr11,0930.00
Sep 10, 2025Martin pampilly sInsider - Designated PersonAcquisition29.380.07 Cr25,015
Sep 10, 2025Martin pampilly sInsider - Designated PersonDisposal48.500.10 Cr20,0000.00
Sep 09, 2025Cini brajeshInsider - Employees Immediate RelativeDisposal44.000.02 Cr4,600

Projection

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Documents

Presentations
Concalls
Reports
Presentations
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Investor Presentation

Q2 FY26

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Investor Presentation

Q1 FY26

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Investor Presentation

Q4 FY25

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Investor Presentation

Q3 FY25

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Investor Presentation

Q2 FY25

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Investor Presentation

Q1 FY25

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Investor Presentation

Q4 FY24

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Investor Presentation

Q4 FY24

Showing 1 - 8 of 14

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