UJJIVANSFB

Ujjivan Small Finance Bank Ltd.

NSE: UJJIVANSFB

BSE: 542904

Sector: Financial Services

Industry Group: Banks

Industry: Other Bank

59.60-1.8 (-2.93%)

3 Jul, 3:30 PM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

37.5 / 100

Value Score

85.9 / 100

Price Momentum Score

82.4 / 100

QVM Score

86.4 / 100

Key Metrics

Market Cap

11943.90

P/E (TTM)

17.24

P/B

1.75

P/S (TTM)

3.09

EV/EBITDA

CAPE (5Y)

17.75

ROE (TTM)

10.74

ROCE (TTM)

-1.99

ROA (TTM)

1.32

Avg 3Y ROE

16.42

Earnings 3Y CAGR

-16.05

Sales 3Y CAGR

8.14

Sales 5Y CAGR

14.81

Debt/Equity

0.55

Consensus TP

74.50

Strong Buy %

66.67

Promoter Holding

Pledged %

Stock Analysis

Fundamental analysis overview of Ujjivan Small Finance Bank Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Strong price momentum

Price Momentum score of 82.4 indicates that the stock has strong price momentum. Research has shown that stocks with higher momentum continue to outperform in the near term

What is Price Momentum score?

82.4 / 100

Analysts have been raising forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has increased by 0.97% in the last 3 months, indicating earnings momentum

What is Earnings upgrade (3M)?

Negative

Moderate ROE but declining trend

The company reported moderate ROE of 10.74% for 12-month ended 31 Mar 2026 but ROE declined by -167 bps from 1 year ago

What is ROE (FY)?

Low revenue growth and lower than median growth of industry

The company delivered moderate revenue growth of -9.3% for 12-month ended 31 Mar 2026 and the growth was 2.29 percentage points lower than median growth of industry

What is Sales growth (1Y)?

Median: -7.01

Value -9.3

-27.2517.72

Low EPS growth and in line with median growth of industry

The company delivered low EPS growth of -5.44% for 12-month ended 31 Mar 2026 and the growth was 0.0 percentage points lower than median growth of industry

What is EPS growth (1Y)?

Low dividend yield

The company has a low dividend yield of 0.0%

What is Dividend yield?

Neutral

Looks cheap but is at a premium to industry median P/B

PB of 1.75 indicates that the stock is cheap on a standalone basis but is at a 54.87% premium to industry median P/B

What is P/B Ratio?

Median: 1.13

Value 1.75

0.873.96

High Net Interest Margin (NIM) but declining trend

The company reported strong Net Interest Margin (NIM) of 7.57% for 12-month ended 31 Mar 2026 but Net Interest Margin (NIM) declined by -93 bps from 1 year ago

What is Net interest margin?

Reasonable Gross NPA, and has been stable

The company has reasonable Gross NPA of 2.26% as on 31 Mar 2026 and Gross NPA increased marginally by 0.08 in the last 1 year

What is Gross NPA (%)?

Financial Snapshot

See detailed analysis

Multi-year trends for Ujjivan Small Finance Bank Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

Ujjivan Small Finance Bank Ltd. Shareholding Pattern

Quarterly breakdown of Ujjivan Small Finance Bank Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Total Promoter	83.32	83.32	83.32	83.32	83.32	83.32	83.32	83.32	83.32	83.32	73.68	73.68	73.67	73.67	73.66	73.60	73.52	-	-	-	-	-	-	-	-
Indian Promoter	83.32	83.32	83.32	83.32	83.32	83.32	83.32	83.32	83.32	83.32	73.68	73.68	73.67	73.67	73.66	73.60	73.52	-	-	-	-	-	-	-	-
Foreign Promoter	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Institutions	10.04	9.35	9.32	9.44	7.52	6.15	1.31	0.86	0.80	0.83	12.33	10.50	10.32	10.97	7.75	7.69	5.81	32.01	27.13	24.46	27.98	36.39	37.17	44.13	48.36
Mutual Funds / UTI	0.79	0.23	0.17	0.44	0.04	0.01	0.01	0.01	0.00	-	1.58	1.80	1.64	1.58	1.14	1.34	0.58	4.06	3.68	3.83	4.73	10.95	14.83	23.82	26.43
FI/Bank/Insurance	0.03	0.05	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	5.08	4.53	4.83	3.80	1.62	1.31	0.76	1.00	0.90	0.87	1.11	2.41	2.51	2.38	2.53
Govt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	5.35	5.14	5.18	5.03	4.39	4.00	0.13	0.11	0.14	0.18	3.25	2.29	1.96	3.90	3.54	3.70	3.48	24.68	20.62	17.87	19.51	19.55	17.05	15.45	17.23
Other Institutions	3.88	4.57	3.97	3.98	3.10	2.14	1.61	0.86	0.78	0.78	2.42	1.88	1.88	1.69	1.45	1.34	0.99	2.27	1.92	1.88	2.63	3.46	2.79	2.47	2.16
Non-Institution	6.64	7.32	7.36	7.23	9.16	10.53	15.37	15.82	15.88	15.85	13.98	15.83	16.01	15.36	18.59	18.71	20.67	67.99	72.87	75.55	72.02	63.62	62.82	55.87	51.64
Bodies Corporate	0.35	0.53	0.36	0.18	0.19	0.29	0.34	0.36	0.33	0.40	0.44	0.46	0.43	0.48	0.84	0.45	0.50	9.31	8.23	8.37	8.43	8.06	8.28	7.22	6.68
Others (incl. Retail) No. of shareholders	6.29 1,37,506	6.79 1,59,351	7.00 1,61,360	7.05 1,62,930	8.97 1,83,113	10.24 1,97,711	15.03 2,48,662	15.46 2,61,424	15.55 2,69,977	15.45 2,72,229	13.54 2,63,255	15.37 2,76,204	15.58 2,77,843	14.88 2,94,338	17.75 4,52,057	18.26 5,97,375	20.17 6,89,693	58.68 9,12,340	64.64 10,66,514	67.18 11,36,820	63.59 11,22,333	55.56 9,82,380	54.54 9,35,291	48.65 8,39,332	44.96 7,86,305

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	Nifty Microcap 250	1.24%	7 / 250
2	Nifty Total Market	0.05%	296 / 749

Prominent Investor Holdings

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in Ujjivan Small Finance Bank Ltd. shares as reported to NSE and BSE.

Name	Month	Transaction	Holding % pre transaction	Average price	Qty.	Transaction value
Joshua Raja R Designated Person	November-2025	Market Sale (Disposal) 26th Nov 2025	0.00 %	₹ 55.00	32.50 k	₹ 17.88 lac
ABDUL HAMEED CHAMAN Designated Person	October-2025	Market Sale (Disposal) 28th Oct 2025	0.01 %	₹ 53.89	50.00 k	₹ 26.95 lac
John Christy A Designated Person	September-2025	Market Sale (Disposal) 19th Sep 2025	0.01 %	₹ 45.52	45.00 k	₹ 20.48 lac
Martin Pampilly S Designated Person	September-2025	Market Sale (Disposal) 10th Sep 2025	0.01 %	₹ 48.50	20.00 k	₹ 9.70 lac
Cini Brajesh Employees Immediate Relative	September-2025	Market Sale (Disposal) 9th Sep 2025	0.00 %	₹ 44.00	4.60 k	₹ 2.02 lac
Brajesh Joseph Cherian Designated Person	September-2025	Market Sale (Disposal) 9th Sep 2025	0.00 %	₹ 44.00	5.95 k	₹ 2.62 lac
Premkumar G Designated Person	September-2024	Market Sale (Disposal) 12th Sep 2024	0.01 %	₹ 42.33	60.00 k	₹ 25.40 lac
Ittira Davis Designated Person	August-2024	Market Sale (Disposal) 2nd Aug 2024	0.01 %	₹ 45.13	50.00 k	₹ 22.57 lac
Ittira Davis KMP	May-2024	Market Sale (Disposal) 24th May 2024	0.01 %	₹ 53.05	50.00 k	₹ 26.52 lac
Shashidhara S Designated Person	February-2024	Market Sale (Disposal) 9th Feb 2024	0.00 %	₹ 60.15	5.73 k	₹ 3.45 lac

Corporate Actions

History of Ujjivan Small Finance Bank Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 1.50/share
Record date: 12th Jul 2024Ex-date: 12th Jul 2024
Announced on: 19th May 2024
Dividend₹ 0.50/share
Record date: 14th Jul 2023Ex-date: 14th Jul 2023
Announced on: 11th May 2023
Dividend₹ 0.75/share
Record date: 1st Mar 2023Ex-date: 1st Mar 2023
Announced on: 14th Feb 2023

Company Profile

Overview of Ujjivan Small Finance Bank Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Ujjivan Small Finance Bank Limited is an India-based scheduled commercial bank. The Company operates through three segments, which include Treasury, Retail Banking, and Corporate/ Wholesale Banking. The Treasury Segment primarily consists of net interest earnings from the Banks Investment portfolio,...

Key personnel

Mr. Sadananda Balakrishna Kamath

Chief Financial Officer

Mr. Martin Pampilly S.

Chief Operating Officer

Mr. Mangesh Ramesh Mahale

Chief Technology Officer

Mr. Lakshman Velayutham

Chief Marketing Officer

Mr. Rajaneesh Hosakoppa Rudresha

Chief Compliance Officer

Mr. Brajesh Joseph Cherian

Chief Risk Officer

Mr. Barun Kumar Agarwal

Deputy Chief Financial Officer

Mr. Deepak Agarwal

Head - Strategy

View all

Incorporated on

04 Jul 2016

Last Annual

31 Mar 2026

Last Interim

31 Mar 2026

No. of Employees

26,555

IPO date

12 Dec 2019

Free Float

1,94,44,15,070

Website

https://www.ujjivansfb.in

Phone no.

+918040712121

Address

Grape Garden, No. 27, 3rd A Cross, 18th Main, 6th Block, Koramangala, BANGALORE, 560095, India

Frequently Asked Questions

What is the current share price of Ujjivan Small Finance Bank Ltd.?

The current share price of Ujjivan Small Finance Bank Ltd. is ₹ 59.60 as of 3 Jul 2026.

What is the market capitalisation of Ujjivan Small Finance Bank Ltd.?

The market capitalisation of Ujjivan Small Finance Bank Ltd. stands at ₹ 11,943.90 Cr.

What is the PE ratio of Ujjivan Small Finance Bank Ltd.?

The Price-to-Earnings (PE) ratio of Ujjivan Small Finance Bank Ltd. is 17.24 as of the latest trailing twelve months data.

What is the ROE and ROCE of Ujjivan Small Finance Bank Ltd.?

Ujjivan Small Finance Bank Ltd. has a Return on Equity (ROE) of 10.74% and a Return on Capital Employed (ROCE) of -1.99% as per the latest financial reports.

What is the 52-week high and low of Ujjivan Small Finance Bank Ltd.?

The 52-week high of Ujjivan Small Finance Bank Ltd. is - and the 52-week low is -.

What is the dividend yield of Ujjivan Small Finance Bank Ltd.?

The dividend yield of Ujjivan Small Finance Bank Ltd. is 0.00% based on the current market price.

What is the FII and DII holding in Ujjivan Small Finance Bank Ltd.?

Foreign Institutional Investors (FII) hold 17.23%, Domestic Institutional Investors (DII) hold 28.96% and retail/public investors hold 44.96% of Ujjivan Small Finance Bank Ltd. shares.

What sector does Ujjivan Small Finance Bank Ltd. belong to?

Ujjivan Small Finance Bank Ltd. operates in the Financial Services sector. 100% of analysts have a Buy or Strong Buy rating on Ujjivan Small Finance Bank Ltd. with a consensus target price of ₹ 74.50, implying 21.34% upside from current levels.

What is the beta of Ujjivan Small Finance Bank Ltd.?

The beta of Ujjivan Small Finance Bank Ltd. is 1.48, indicating its price volatility relative to the broader market. Over the past 1 year, Ujjivan Small Finance Bank Ltd. has delivered an absolute return of 26.00%.

What is the RSI of Ujjivan Small Finance Bank Ltd.?

The 14-day Relative Strength Index (RSI) of Ujjivan Small Finance Bank Ltd. is 66.22, placing it approaching overbought territory. An RSI above 70 is considered overbought and below 30 is considered oversold.

Ujjivan Small Finance Bank Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

Ujjivan Small Finance Bank Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Stock Analysis

Holdings and Presence

Corporate Actions

Company Profile