Ujjivan Small Finance Bank Limited — Important, 04-04-2025: Updates

Total deposits for the quarter ended March 31, 2025, reached ₹37,617 crore, marking a 19.6% year-over-year increase and a 9.1% quarter-over-quarter growth, with a CASA ratio of 25.6%. The gross loan book stood at ₹32,122 crore, reflecting a growth of 7.9% year-over-year and 5.4% sequentially. Notable segments include affordable housing loans, which surged 48.4% year-over-year, and MSME loans, which saw a significant 44.8% increase.

Disbursements were robust, totaling ₹7,455 crore, up 11.6% year-over-year and a remarkable 39.0% quarter-over-quarter increase. Key improvements were seen in MSME and FIG loans, with growth of 316.6% and 94.8%, respectively.

Asset quality indicators showed a slight deterioration with GNPA at 2.2%, while collection efficiency remained strong at 96.9%. The quarter’s performance underlines a positive outlook driven by strong loan growth and improved operational efficiencies, suggesting potential for further expansion and profitability. Investors should watch closely for trends in asset quality and loan disbursements moving forward.