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Ujjivan SFB posted Q1 FY26 PAT of INR 103 Cr, with gross loan book up 11% YoY to INR 33,287 Cr, driven by robust 24% YoY disbursement growth. Secured portfolio share expanded to 46%. Total deposits climbed 19% YoY to INR 38,619 Cr.
Management anticipates NIM settling around 7.8% by Q4 due to asset mix shifts and lower cost of funds. Q1 saw improved fresh PAR accretion in micro banking, with credit costs expected to normalize in H2 FY26. The bank guides for 20% advances growth this year, focusing on secure products and continued investment in new verticals and liabilities.