Ujjivan Small Finance Bank Limited — Investor Meet, 02-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Ujjivan Small Finance Bank has announced a board meeting on May 7, 2025, to consider the financial results for the quarter and half-year.

Q4 FY25 highlights: Gross loan book at Rs. 32,122 Cr, up 5% QoQ and 8% YoY; secured loans rose 17% QoQ to Rs. 13,988 Cr. Housing loans grew 14% QoQ; MSME loans up 21% QoQ. Disbursements hit a record Rs. 7,440 Cr, driven by housing (+39%) and MSME (+61%). Asset quality improved with GNPA at 2.2%, net NPA at 0.5%. CASA deposits grew 11% QoQ to Rs. 9,612 Cr (25.5% of deposits). Total income rose 11% YoY to Rs. 7,201 Cr; PAT Rs. 726 Cr; ROA 1.6%; ROE 12.4%; NIM at 8.8% reflecting margin pressures. Management expects continued secured loan growth, stable yields from new products, higher credit costs in H1 FY26 easing in H2, and moderating operating cost growth. Tone remains confident on portfolio quality and diversification.