Ujjivan Small Finance Bank Limited — Investor Meet, 14-05-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Ujjivan SFB reported a strong Q4FY26, with Gross Loan Book at ₹40,655 Cr (up 26.6% YoY) and deposits at ₹45,668 Cr (up 21.4% YoY). Net profit was ₹282 Cr, with NIM improving to 8.5%. Secured portfolio grew to 49.4% of GLB. For FY27, the bank aims for 25% advances growth, stable NIMs around 8.5%, and ROA of 1.6%, attributing the ROA adjustment to planned investments in branches, digital, and AI. It targets increasing the secured book to over 56%. Bank plans to raise up to ₹2,000 Cr capital in H2 FY27. The RBI returned universal bank application, acknowledging diversification; bank plans to reapply. Sentiment is confident on profitable growth.