Ujjivan Small Finance Bank Limited — PPTs, 08-09-2025: Investor Presentation

Ujjivan Small Finance Bank is transforming for scale and stability, aiming to be a trusted bank for aspiring India.

**Business Performance:** The bank saw robust growth in FY25, with Gross Loan Book doubling to ₹32,122 Cr and deposits tripling to ₹37,630 Cr since FY21. Customer base grew to over 95 Lac. Asset quality strengthened, with secured loans rising to 44% of the portfolio. Q1FY26 showed a GLB of ₹33,287 Cr and PAT of ₹103 Cr.

**Growth Drivers or Strategy:** Key strategies include expanding product offerings beyond microfinance to housing, MSME, gold, and agri loans, targeting 65-70% secured book by FY30. Digital transformation is central, leveraging AI/ML for analytics, underwriting, and automation. They also plan to add ~400 new branches and boost CASA to 35% by FY30.

**Recent Developments:** Significant growth in Q1FY26 in MSME (up 59% YoY), Gold loans (10x YoY to ₹293 Cr), and Agri loans (4x YoY to ₹403 Cr). Digital initiatives like "Hello Ujjivan" and Video KYC are enhancing customer experience. The bank achieved an outstanding ESG rating of 80/100.

**Key Financial Metrics:** FY25 saw a PAT of ₹1,281 Cr, ROA of 3.5%, and ROE of 26.1%. Asset quality remained strong with GNPA at 2.2% and NNPA at 0.5% in FY25.

**Management Outlook:** Management guides for ~20% GLB growth and 10-12% ROE in FY26. The long-term FY30 vision targets a ₹1 Lac Cr GLB, 16-18% ROE, and improved cost-to-income at ~55%, supported by a potential universal banking license to unlock further growth.