Ujjivan Small Finance Bank Limited
NSE: UJJIVANSFB · Other Bank
Includes predecessor: Ujjivan Financial Services Limited (till 29 Apr 2024)
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.
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Key Metrics
NET PROFIT
₹1,149 Cr
TTM · standalone
EPS
₹5.91
TTM · standalone
P/E
9.5×
Q2 FY27 · standalone
Peers · Other Bank
| Company | Mkt Cap | P/E (TTM) | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Ujjivan Small Finance Bank LimitedUJJIVANSFB | ₹10,955 Cr | 9.5× | — | — | — | 15.3% | — | +8.3% |
Equitas Small Finance Bank LimitedEQUITASBNK | ₹6,153 Cr | 8.7× | — | — | — | 10.7% | — | -5.6% |
Jana Small Finance Bank LimitedJSFB | ₹4,072 Cr | 8.5× | — | — | — | 10.3% | — | -17.3% |
Utkarsh Small Finance Bank LimitedUTKARSHBNK | ₹2,139 Cr | -1.7× | — | — | — | 18.5% | — | -41.0% |
ESAF Small Finance Bank LimitedESAFSFB | ₹2,091 Cr | -3.5× | — | — | — | — | — | +44.2% |
Suryoday Small Finance Bank LimitedSURYODAY | ₹1,475 Cr | 6.2× | — | — | — | 10.7% | — | -9.0% |
Financials
Ujjivan Small Finance Bank Limited
NSE: UJJIVANSFB · Other Bank
Includes predecessor: Ujjivan Financial Services Limited (till 29 Apr 2024)
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.
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
₹1,149 Cr
TTM · standalone
EPS
₹5.91
TTM · standalone
P/E
9.5x
Q2 FY27 · standalone
Peers · Other Bank
As of