Ujjivan SF Bank Financials
NSE: UJJIVANSFB | BSE: 542904
₹63.25
₹-1.25
(-1.94%)
As on 16-Oct-2026IST
Market cap
₹12,397 Cr
Revenue (TTM)
₹7,809 Cr
P/E Ratio
10.8
P/B Ratio
1.7
Div. Yield
0 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Interest Earned
|
7,808.56
|
6,931.45
|
6,354.39
|
5,677.15
|
4,164.99
|
2,812.80
|
|
|
|
|
|
|
Other Income
|
1,153.77
|
1,107.52
|
846.20
|
786.75
|
589.19
|
359.89
|
|
|
|
|
|
|
Total Income
|
8,962.33
|
8,038.97
|
7,200.59
|
6,463.91
|
4,754.19
|
3,172.69
|
|
|
|
|
|
|
Interest Expended
|
3,279.44
|
3,060.44
|
2,718.12
|
2,267.70
|
1,467.09
|
1,039.21
|
|
|
|
|
|
|
Operating Expenses
|
3,586.74
|
3,268.39
|
2,793.24
|
2,279.10
|
1,802.06
|
1,496.38
|
|
|
|
|
|
|
Operating Profit before Prov. & Cont.
|
2,096.15
|
1,710.13
|
1,689.23
|
1,917.10
|
1,485.03
|
637.10
|
|
|
|
|
|
|
Provisions and Contingencies
|
569.48
|
799.10
|
747.65
|
214.94
|
17.80
|
1,187.46
|
|
|
|
|
|
|
Profit Before Tax
|
1,526.67
|
911.03
|
941.57
|
1,702.17
|
1,467.24
|
-550.36
|
|
|
|
|
|
|
Taxes
|
377.39
|
218.40
|
215.47
|
420.67
|
367.32
|
-135.77
|
|
|
|
|
|
|
Profit after Tax
|
1,149.28
|
692.63
|
726.10
|
1,281.49
|
1,099.92
|
-414.59
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Share of Associate
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Consolidated Profit
|
1,149.28
|
692.63
|
726.10
|
1,281.49
|
1,099.92
|
-414.59
|
|
|
|
|
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
7,531.91
|
6,815.68
|
6,083.41
|
5,613.49
|
4,209.11
|
2,802.63
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Deposits
|
50,643.01
|
45,668.33
|
37,630.48
|
31,462.16
|
25,537.68
|
18,292.22
|
|
|
|
|
|
|
Borrowings
|
3,025.53
|
3,736.01
|
2,845.36
|
2,170.82
|
2,641.46
|
1,763.56
|
|
|
|
|
|
|
Other Liabilities & Provisions
|
1,434.84
|
1,321.18
|
1,129.90
|
1,175.75
|
928.62
|
753.77
|
|
|
|
|
|
|
Total Liabilities
|
62,635.29
|
57,541.21
|
47,689.15
|
40,422.22
|
33,316.88
|
23,612.18
|
|
|
|
|
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash and Balance with Reserve Bank of India
|
2,911.01
|
3,109.67
|
3,133.37
|
2,518.31
|
2,305.27
|
1,689.97
|
|
|
|
|
|
|
Balances with Banks and Money at Call
|
70.84
|
334.00
|
36.43
|
18.48
|
178.32
|
485.85
|
|
|
|
|
|
|
Investments
|
13,125.76
|
12,724.25
|
11,729.99
|
9,766.02
|
8,510.31
|
4,152.93
|
|
|
|
|
|
|
Advances
|
44,753.26
|
39,760.55
|
31,390.00
|
26,882.92
|
21,289.66
|
16,303.17
|
|
|
|
|
|
|
Net Block
|
534.43
|
493.07
|
456.91
|
426.66
|
282.88
|
249.39
|
|
|
|
|
|
|
Other Assets
|
1,239.99
|
1,119.67
|
942.45
|
809.82
|
750.44
|
730.87
|
|
|
|
|
|
|
Miscellaneous Exp. Not Written Off
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Total Assets
|
62,635.29
|
57,541.21
|
47,689.15
|
40,422.22
|
33,316.88
|
23,612.18
|
|
|
|
|
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
1,843.20
|
2,028.20
|
1,592.84
|
1,059.79
|
2,554.42
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
-2,480.67
|
-1,793.44
|
-864.54
|
-2,095.71
|
-840.98
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
911.35
|
398.24
|
-518.73
|
1,186.43
|
-1,483.76
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
273.88
|
633.00
|
209.58
|
150.50
|
229.69
|
|
|
|
|
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
5.88
|
3.57
|
3.75
|
24.70
|
5.51
|
-2.40
|
|
|
|
|
|
|
Cash EPS (₹)
|
5.88
|
4.31
|
4.45
|
26.60
|
6.09
|
-1.93
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
38.09
|
34.57
|
30.98
|
79.59
|
20.25
|
14.81
|
|
|
|
|
|
|
Dividend per Share (₹)
|
--
|
--
|
--
|
1.50
|
1.25
|
--
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
9.49
|
10.48
|
30.71
|
5.31
|
14.78
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
4.86
|
5.65
|
-1.04
|
-5.21
|
0.32
|
|
|
|
|
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Yield on Advances
|
--
|
17.43
|
20.24
|
21.12
|
19.56
|
17.25
|
|
|
|
|
|
|
Yield on Investments
|
--
|
7.23
|
7.24
|
7.19
|
4.85
|
4.88
|
|
|
|
|
|
|
Interest Spread
|
--
|
11.24
|
13.53
|
14.38
|
14.36
|
12.07
|
|
|
|
|
|
|
NIM (%)
|
8.40
|
6.92
|
7.86
|
8.70
|
8.36
|
7.84
|
|
|
|
|
|
|
ROE (%)
|
16.02
|
10.90
|
14.35
|
31.70
|
33.75
|
-14.98
|
|
|
|
|
|
|
ROA (%)
|
2.05
|
1.32
|
1.65
|
3.48
|
3.86
|
-1.88
|
|
|
|
|
|
|
Cost to Income Ratio
|
--
|
65.65
|
62.31
|
54.31
|
54.82
|
70.14
|
|
|
|
|
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
20.77
|
9.08
|
11.93
|
36.31
|
48.07
|
0.24
|
|
|
|
|
|
|
EBIT Growth (%)
|
78.67
|
1.24
|
-11.89
|
29.09
|
133.09
|
-20.44
|
|
|
|
|
|
|
Net Profit Growth (%)
|
28.35
|
-4.61
|
-43.34
|
16.51
|
365.30
|
-5,096.93
|
|
|
|
|
|
|
EPS Growth (%)
|
174.25
|
-4.99
|
-84.81
|
347.99
|
329.89
|
-5,097.50
|
|
|
|
|
|
|
Book Value Growth (%)
|
18.40
|
12.04
|
45.18
|
4.31
|
54.58
|
-13.94
|
|
|
|
|
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
10.79
|
14.17
|
9.17
|
1.79
|
4.59
|
--
|
|
|
|
|
|
|
Price / Book Value
|
1.67
|
1.46
|
1.11
|
0.56
|
1.25
|
1.00
|
|
|
|
|
|
|
Dividend Yield (%)
|
--
|
--
|
--
|
3.39
|
4.94
|
--
|
|
|
|
|
|
|
EV/EBITDA
|
6.21
|
7.92
|
5.62
|
2.33
|
5.24
|
7.10
|
|
|
|
|
|
|
Close Price (₹)
|
67.50
|
50.51
|
34.41
|
44.30
|
25.25
|
14.80
|
|
|
|
|
|
|
High Price (₹)
|
73.94
|
68.00
|
56.73
|
63.00
|
33.50
|
34.40
|
|
|
|
|
|
|
Low Price (₹)
|
46.01
|
32.88
|
30.85
|
24.40
|
13.50
|
14.05
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
12,397.42
|
9,816.32
|
6,656.22
|
2,298.68
|
4,947.18
|
2,557.91
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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