Ujjivan Small Finance Bank Ltd — earnings calls

Ujjivan Small Finance Bank reported Q1 FY27 profit after tax of Rs 317 crores with ROA of 2.2% and ROE of 18.2%, alongside 25% year-on-year deposit growth and a gross loan book of Rs 42,903 crores, up 28.9% year-on-year. Management raised its FY27 ROA guidance to 1.8%-2% and revised the FY27 credit-cost guidance down to 0.9%-1% of average total assets, citing improving collection efficiency and lower slippages. The bank also reported secured loans reaching 50.4% of the loan book, gold loan growth of 248.6% year-on-year, and stable net interest margin at 8.5%.

Ujjivan Small Finance Bank reported Q4 FY26 net profit of INR282 crores with ROA of 2.1% and ROE of 17.2%, while full-year FY26 net profit was INR693 crores with ROA of 1.4%. Deposits grew 21.4% year-on-year to INR45,668 crores and the gross loan book grew 26.6% year-on-year to INR40,655 crores, with the secured portfolio rising to 49.4% of the book. Management said the RBI returned the bank's application for a voluntary transition to a universal bank while acknowledging efforts toward loan portfolio diversification, and guided FY27 advances growth of around 25% with credit cost moderating to 1.4%-1.5% and ROA of around 1.6%.