Ujjivan Small Finance Bank Limited — Investor Meet, 27-01-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Ujjivan SFB reported strong Q3 FY26 results. Deposits hit Rs. 42,223 Cr (up 7.7% QoQ), while the gross loan book reached Rs. 37,057 Cr (up 7.1% QoQ) with record disbursements. Net Interest Margin (NIM) rose to 8.2%, boosting Net Interest Income (NII) to Rs. 1,000 Cr. Profit after Tax (PAT) was Rs. 186 Cr. Asset quality improved, with GNPA at 2.4% and PAR below 4%. Management expects NIMs to hold or improve, cost of funds to decrease (targeting ~7% by FY26 end), and credit costs to normalize by H1 FY27. The bank is confident in continued profitable growth through strategic diversification and efficiency.