Ujjivan Small Finance Bank Limited
NSE: UJJIVANSFB · Other Bank
Snapshot
Unlock Ujjivan Small Finance Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Ujjivan Small Finance Bank Limited is an Indian financial institution providing a comprehensive range of banking services, including retail, corporate, and treasury operations. The bank focuses on financial inclusion through a diverse portfolio of micro-loans, individual business loans, and housing finance products.
Business Model
The bank generates revenue primarily through net interest income earned on its diverse loan book and fee-based income from banking services and insurance distribution. It operates through a widespread network of banking outlets and ATMs, leveraging digital banking channels to serve its customer base.
- Banking Outlets:575
- ATMs:492
Growth Outlook
Growth is driven by the expansion of the bank's retail and micro-enterprise loan portfolios and the deepening of its digital banking infrastructure. The bank continues to focus on diversifying its product offerings to include more secured lending and fee-generating financial services.
Key Risks
- Credit Risk. The bank's significant exposure to micro-finance and small enterprise segments makes it vulnerable to borrower defaults during economic downturns.
- Regulatory Risk. As a small finance bank, it is subject to stringent regulatory requirements and priority sector lending mandates set by the Reserve Bank of India.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the overall demand for its credit products.
- Geographic Concentration. Concentration of operations in specific regions of India may expose the bank to localized economic or environmental shocks.
Price
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Key Metrics
NET PROFIT
₹693 Cr
TTM · standalone
EPS
₹3.57
TTM · standalone
P/E
18.4x
Q4 FY26 · standalone
Peers · Other Bank
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Ujjivan Small Finance Bank LimitedUJJIVANSFB | 10,092 | 18.38 | — | — | — | 6.9% | — | +32.4% |
Equitas Small Finance Bank LimitedEQUITASBNK | 6,400 | 86.02 | — | — | — | 23.0% | — | +22.0% |
Jana Small Finance Bank LimitedJSFB | 3,809 | 16.04 | — | — | — | — | — | +0.4% |
Utkarsh Small F.UTKARSHBNK | 2,046 | -1.70 | — | — | — | — | — | -35.7% |
Suryoday SmallSURYODAY | 1,307 | 12.97 | — | — | — | — | — | +32.1% |
ESAF Small FinESAFSFB | 1,172 | -11.16 | — | — | — | — | — | +4.6% |
Financials
Ujjivan Small Finance Bank Limited
NSE: UJJIVANSFB · Other Bank
Snapshot
Unlock Ujjivan Small Finance Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Ujjivan Small Finance Bank Limited is an Indian financial institution providing a comprehensive range of banking services, including retail, corporate, and treasury operations. The bank focuses on financial inclusion through a diverse portfolio of micro-loans, individual business loans, and housing finance products.
Business Model
The bank generates revenue primarily through net interest income earned on its diverse loan book and fee-based income from banking services and insurance distribution. It operates through a widespread network of banking outlets and ATMs, leveraging digital banking channels to serve its customer base.
- Banking Outlets:575
- ATMs:492
Growth Outlook
Growth is driven by the expansion of the bank's retail and micro-enterprise loan portfolios and the deepening of its digital banking infrastructure. The bank continues to focus on diversifying its product offerings to include more secured lending and fee-generating financial services.
Key Risks
- Credit Risk. The bank's significant exposure to micro-finance and small enterprise segments makes it vulnerable to borrower defaults during economic downturns.
- Regulatory Risk. As a small finance bank, it is subject to stringent regulatory requirements and priority sector lending mandates set by the Reserve Bank of India.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the overall demand for its credit products.
- Geographic Concentration. Concentration of operations in specific regions of India may expose the bank to localized economic or environmental shocks.
Price
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Start your research today
Unlock AI insights, financials, peers and live data on Ujjivan Small Finance Bank Limited and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹693 Cr
TTM · standalone
EPS
₹3.57
TTM · standalone
P/E
18.4x
Q4 FY26 · standalone
Peers · Other Bank
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