Ujjivan Small Finance Bank Limited — PPTs, 17-10-2025: Investor Presentation

Ujjivan Small Finance Bank reported a strong Q2FY26. Total deposits grew 15.1% YoY to ₹39,211 Cr, with gross loan book up 14% YoY to ₹34,588 Cr. A strategic pivot is visible as secured loans now comprise 47% of advances (up from 35% YoY), showcasing portfolio diversification. Micro-banking collections maintained high efficiency at 99.48%.

The bank's strategy focuses on rapid expansion of its secured portfolio, including housing, micro-mortgages, MSME, vehicle, and gold loans. Digital initiatives are key for customer acquisition, alongside data analytics to enhance cross-selling, retention, and risk management.

Recent developments include record quarterly disbursements of ₹7,932 Cr (+47.6% YoY) in Q2FY26. Slippages declined sharply due to reduced Micro-banking stress. CASA deposits increased 22.1% YoY to ₹10,783 Cr, improving the CASA ratio to 27.5%.

For the financial results for the quarter and half-year ended September 30, 2025: Net Interest Income (NII) grew 7.7% QoQ to ₹922 Cr, and Profit After Tax (PAT) rose 18.4% QoQ to ₹122 Cr. Asset quality remains strong with GNPA 2.5% and NNPA 0.7%. Cost of funds improved to 7.3%.

Management targets ~20% advances growth and ~35% secured book growth for FY26. Their FY30 vision projects a ₹1 Lakh Cr advances book, with 65-70% secured loans, 35% CASA, RoA 1.8-2.0%, and RoE 16-18% for sustainable profit.