Ujjivan SFB shares in focus as RBI returns universal banking application; check details

The bank said that the RBI took note of Ujjivan's recent efforts towards diversification of its loan portfolio. However, they were of the view that there is scope for progress in this area.

Therefore, the RBI has returned the above-mentioned application and advised the bank to consider applying again after demonstrating a diversified loan portfolio.

The stock market will remain closed on Tuesday, April 14, on the occasion of Dr Baba Saheb Ambedkar Jayanti.

Ujjivan Bank Q3 FY26 earnings

Ujjivan Small Finance Bank reported a 71% growth in net profit at ₹186 crore for the third quarter ended December 31, 2025 (Q3 FY26).

The bank reported a net profit of ₹109 crore in the third quarter of the 2024-25 fiscal year.

The bank reported an all-time high net interest income (NII) of ₹1,000 crore for the third quarter of FY26, up 12.8% year-over-year.

Ujjivan Small Finance Bank MD & CEO Sanjeev Nautiyal said the bank's deposits grew 22.4% on a yearly basis to ₹42,223 crore, with the credit-deposit ratio at 88% as of December 2025.

The gross loan book for the quarter grew 21.6% YoY to ₹37,057 crore, driven by the highest-ever quarterly disbursements at ₹8,293 crore.

"This was due to all-around performance across unsecured and secured products. Secured portfolios such as housing, MSME, gold, vehicle, and agri loans were scaled up in line with our long-term diversification strategy. The secured book share increased to 48% as of December 25," Nautiyal said.

The bank's board also approved the appointment of Aniruddha Paul as an independent director of the bank for a term of three years, effective January 22, 2026.