Ujjivan Small Finance Bank Limited — Investor Meet, 28-07-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Ujjivan Small Finance Bank reported strong Q1FY27 results. Deposits grew 25% YoY to INR48,129 Cr; gross loan book up 28.9% YoY to INR42,903 Cr, now 50.4% secured. PAT hit INR317 Cr, with ROA at 2.2% and ROE at 18.2%. Asset quality improved, with GNPA at 2.17%. Management is confident, raising FY27 ROA guidance to 1.8-2% and lowering credit cost guidance to 0.9-1%. Key growth drivers include gold loans and micro mortgages, supported by strong MFI collection efficiency and branch expansion. Costs are being managed, with strategic investments planned.