Ujjivan Small Finance Bank Ltd Overview
Pro stress-test →Ujjivan Small Finance Bank caters primarily to financially underserved segments with a market capitalization of ₹12,232 crore. In Q4 FY26 (ended March 2026), the bank posted net profit of ₹281.97 crores, representing 238.13% year-on-year growth. The bank has undergone a dramatic turnaround, demonstrating exceptional operational momentum and significantly improved asset quality.
Strategic Profile
Pro stress-test →The bank's gross loan book reached ₹37,057 crore with secured book share rising to 48% from 39% year-on-year, reflecting strategic shift toward higher-quality assets. In Q4 FY26, gross loan book reached ₹40,655 crore up 26.6% YoY with secured book share at 49.4%. The bank boasts a Tier 1 Capital Adequacy Ratio of 24.50%, signalling a strong capital base that supports sustainable growth. Asset quality improved significantly with net NPAs declining to 0.43%, positioning Ujjivan as increasingly competitive within the Indian small finance banking segment.
Competitive Landscape
Pro stress-test →Ujjivan operates in India's small finance banking sector, competing primarily with other SFBs and emerging digital finance players. The stock substantially outperformed the Other Bank sector by 59.11 percentage points as of May 2026, indicating superior execution relative to peers. The bank's focus on underserved segments and improved asset quality differentiate it from traditional large-cap lenders.
Industry Context
Ujjivan Small Finance Bank Ltd operates in Small Finance Banking / Financial Services.
Key facts
Headquarters: Bangalore, India · Revenue: ₹2,185.06 crore (FY26, 18.56% YoY growth) · Market cap: ₹12,232 crore