	2017 Mar 31	2018 Mar 31	R 2019 Mar 31	2020 Mar 31	C 2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Net Interest & Dividend Income	103	857	1,106	1,634	1,729	1,774	2,698	3,409	3,637	3,871
Non-Interest Revenue	11	86	149	218	212	263	363	532	632	860
Total Revenue	114	943	1,256	1,852	1,941	2,037	3,061	3,941	4,268	4,732
Total Operating Expenses	117	963	1,044	1,490	2,021	2,387	1,820	2,494	3,541	4,067
Operating Profit	-3	-20	212	362	-80	-351	1,241	1,447	727	664
Operating Margin	-2.2	-2.1	16.9	19.6	-4.1	-17.2	40.5	36.7	17.0	14.0
Profit before Taxes	0	7	268	466	10	-550	1,467	1,702	942	911
Income Taxes	-	-	69	116	2	-136	367	421	215	218
Profit after Tax	0	7	199	350	8	-415	1,100	1,281	726	693
PAT Margin	-	0.7	15.9	18.9	0.4	-20.4	35.9	32.5	17.0	14.6
EPS - Basic - ex Extraordinary Items	0.00	0.05	1.20	2.19	0.05	-2.40	5.94	6.65	3.75	3.57
EPS - Diluted - ex Extraordinary Items	0.00	0.05	1.20	2.18	0.05	-2.40	5.93	6.54	3.71	3.51
EBIT	-3	-20	212	362	-80	-351	1,241	1,447	727	664
EBITDA	3	21	272	435	-3	-270	1,331	1,545	862	809
EBITDA Margin	2.2	2.3	21.7	23.5	-0.2	-13.3	43.5	39.2	20.2	17.1

Balance Sheet

Abridged

Understanding Balance Sheet

Ujjivan Small Finance Bank Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2017 Mar 31	2018 Mar 31	2019 Mar 31	R 2020 Mar 31	2021 Mar 31	R 2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR
Cash & ST Balance with Banks	348	243	475	1,243	2,377	1,733	2,484	2,537	3,170	3,444
Lending & LT Balance with Banks	6,276	7,587	11,172	14,144	14,694	443	-	-	-	-
Property Plant & Equipment - Net	140	198	284	223	178	146	179	319	318	320
Total Assets	8,436	9,473	13,742	18,411	20,380	23,612	33,317	40,422	47,689	57,541
Deposits - Total	206	3,772	7,379	10,780	13,136	18,292	25,538	31,462	37,630	45,668
Long Term Debt	2,839	1,466	2,482	1,597	913	948	1,759	832	1,244	1,651
Total Liabilities	6,796	7,826	11,923	15,224	17,162	20,810	29,108	34,809	41,606	50,726
Total Shareholders' Equity	1,640	1,647	1,820	3,188	3,219	2,803	4,209	5,613	6,083	6,816
Total Equity	1,640	1,647	1,820	3,188	3,219	2,803	4,209	5,613	6,083	6,816
Total Liabilities & Equity	8,436	9,473	13,742	18,411	20,380	23,612	33,317	40,422	47,689	57,541

Cash Flow

Abridged

Understanding Cash Flow Statement

Ujjivan Small Finance Bank Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2017 Mar 31	2018 Mar 31	2019 Mar 31	C 2020 Mar 31	2021 Mar 31	R 2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Operating CF bef Changes in Working Cap	30	331	334	635	772	668	1,319	1,992	1,628	1,553
Working Capital - Increase/(Decrease)	-7,114	1,995	143	-393	1,884	1,887	-259	-410	400	290
Net CF from Operating Activities	-7,084	2,326	478	242	2,657	2,554	1,060	1,582	2,028	1,843
Capital Expenditures - Net	161	101	148	89	58	51	124	244	165	182
Net CF from Investing Activities	-161	-101	-148	-757	-1,356	-841	-2,096	-854	-1,793	-2,481
Dividends Paid - Cash - Total	-	-	27	13	-	-	158	68	290	-
Stock - Issuance/(Retirement) - Net	1,640	-	-	1,002	0	-	466	20	14	21
Debt - LT & ST - Issuance/(Retirement) - Total	6,291	-2,439	313	-213	-706	-1,484	878	-471	675	891
Net Cash Flow from Financing Activities	7,931	-2,439	287	776	-706	-1,484	1,186	-519	398	911
Free Cash Flow to Equity	-954	-213	643	-60	1,893	1,020	1,813	868	2,537	2,552
Free Operating CF net dividend	-7,245	2,225	302	139	2,599	2,503	777	1,268	1,571	1,660
Free Operating CF	-7,245	2,225	329	152	2,599	2,503	934	1,337	1,861	1,660

Business Segment Analysis

FY End:

Mar 26

Ujjivan Small Finance Bank Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Retail Banking (85.5%)₹ 6,876.96 CrTreasury (11.6%)₹ 936.08 CrCorporate/Whole Sale Banking (2.8%)₹ 225.93 Cr

Assets

Retail Banking (66.3%)₹ 38,165.86 CrTreasury (28.0%)₹ 16,127.61 CrCorporate/Whole Sale Banking (5.2%)₹ 2,988.88 CrUnallocated (0.4%)₹ 258.86 Cr

Regional Segment Analysis

FY End:

Mar 26

Ujjivan Small Finance Bank Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 4,731.58 Cr

Assets

India (100.0%)₹ 57,541.21 Cr

Historical Segment Analysis

Track how Ujjivan Small Finance Bank Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Sales

Assets

Business

Regional

Business

We don't have enough data to show the Capex for Ujjivan Small Finance Bank Ltd..

Frequently Asked Questions

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

The latest trailing twelve month revenue of Ujjivan Small Finance Bank Ltd. is ₹ 3,871.00 Cr, reflecting a 1-year growth of -9.30% and a 3-year CAGR of 8.14%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Ujjivan Small Finance Bank Ltd.?

The latest trailing twelve month net profit (PAT) of Ujjivan Small Finance Bank Ltd. is ₹ 692.63 Cr, with a 3-year earnings CAGR of -16.05%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

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

The trailing twelve month EBITDA of Ujjivan Small Finance Bank Ltd. is approximately ₹ -196.49 Cr (based on an operating margin of -5.08%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

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

The trailing twelve month Earnings Per Share (EPS) of Ujjivan Small Finance Bank Ltd. is 3.51. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Ujjivan Small Finance Bank Ltd.?

The debt-to-equity ratio of Ujjivan Small Finance Bank Ltd. stands at 0.55. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Ujjivan Small Finance Bank Ltd.?

The estimated book value per share of Ujjivan Small Finance Bank Ltd. is 34.01 (derived from a P/B ratio of 1.75 and market price of ₹ 59.60), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Ujjivan Small Finance Bank Ltd.?

The trailing twelve month operating cash flow of Ujjivan Small Finance Bank Ltd. is ₹ 1,843.20 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Ujjivan Small Finance Bank Ltd. report consolidated or standalone financials?

Ujjivan Small Finance Bank Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.