Ujjivan Small Finance Bank Ltd (UJJIVANSFB) Q1FY27 Concall Summary - Jun-2026 Qtr
Performance Overview
- The bank delivered a steady quarter with a Profit After Tax (PAT) of 317 crores, resulting in an ROA of 2.2% and ROE of 18.2%, driven by robust business growth and stable asset quality.
- The gross loan book grew by 28.9% YoY to 42,903 crores, with the secured portfolio now constituting 50.4% of the total, reflecting successful diversification.
- Deposits showed strong momentum, growing 25% YoY to 48,129 crores, with CASA deposits increasing by 37.8% YoY to 12,930 crores.
- Asset quality remained stable, with Gross NPA (GNPA) declining by 10 bps QoQ to 2.17% and the Provision Coverage Ratio (PCR) strengthening to 85%.
- The bank has revised its FY27 guidance upwards, projecting an ROA of 1.8% to 2% and lowering the credit cost guidance to 0.9% to 1% of average total assets, citing improved cost outlook and stable asset quality.
Financial Metrics
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Operating Performance / Business Segments
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Key Discussions & Insights
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Outlook and Guidance
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Challenges / Concerns
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Industry / Competitive Landscape
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Overall Summary
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