Ujjivan Small Finance Bank Ltd (UJJIVANSFB) Q2FY27 Concall Summary - Sep-2026 Qtr
Key Takeaways
- Management signaled a high probability of beating the upper end of its full-year ROA guidance, driven by lower-than-planned opex and stable credit costs.
- The bank has minimal direct risk from droughts in key states, with only INR 15.1 crore in Karnataka and INR 18 crore in Maharashtra qualifying for relief.
- The secured loan book is targeted to reach 56% of the total by March 2027, with NIMs expected to compress by about 10 bps to ~8.35%.
Performance Overview
- Delivered all-time high quarterly profit after tax of INR 365 crores, driven by robust loan growth and stable margins.
- Crossed a key milestone of INR 50,000 crores in total deposits, which grew 29.2% YoY.
- Gross loan book expanded 32.1% YoY to INR 45,699 crores, with the secured portfolio now constituting 52.1% of the total.
- Maintained pristine asset quality, with GNPA and NNPA at 2.1% and 0.3% respectively, and a stable Provision Coverage Ratio of 85%.
- Announced a proposed preferential equity capital raise of INR 409 crores from marquee investors to bolster capital adequacy.
Financial Metrics
Log in to Stocksigma to read the Financial Metrics section of this summary.
Operating Performance / Business Segments
Log in to Stocksigma to read the Operating Performance / Business Segments section of this summary.
Key Discussions & Insights
Log in to Stocksigma to read the Key Discussions & Insights section of this summary.
Outlook and Guidance
Log in to Stocksigma to read the Outlook and Guidance section of this summary.
Challenges / Concerns
Log in to Stocksigma to read the Challenges / Concerns section of this summary.
Industry / Competitive Landscape
Log in to Stocksigma to read the Industry / Competitive Landscape section of this summary.
Overall Summary
Log in to Stocksigma to read the Overall Summary section of this summary.
Tone & Disclosure
Log in to Stocksigma to read the Tone & Disclosure section of this summary.