UJJIVANSFB Q2 FY27 Guidance vs Delivery (UJJIVANSFB Management Mirror)

FY27 Gross Loan Book Guidance Reaffirmed for 25% Growth; Microbanking Target Upgraded to 12%-14%

In Sep'26 Qtr, Ujjivan reported a gross loan book of Rs 45,699 crores (+32.1% YoY), with the secured share reaching 52.1%. Management reaffirmed its FY27 asset growth target of 25.0% and the 56% secured loan mix exit target, both initially guided in Mar'26 Qtr. Looking ahead, management explicitly upgraded its FY27 microbanking growth guidance to 12% to 14%, an increase from the 8% to 10% growth guided in Mar'26 Qtr. The affordable housing vertical is targeted to grow around 35% for the full year, with plans to increase the secured asset share by 5% annually going forward.