Ujjivan Small Finance Bank Limited provides services to financially unserved and under-served segments in India. It started its operations as a non-bank financial company (NBFCs) in 2005 aimed at offering a full range of financial services across the country.
In October 2015, Ujjivan Small Finance Bank obtained initial permission from the Reserve Bank of India (RBI) to establish the small finance bank. Ujjivan SFB turned into a full-fledged banking organisation by November 2016. Ujjivan Small Finance Bank (USFB) commenced its banking operations from February 1, 2017.
The lender launched its initial public offering (IPO) in 2019 and it was listed on the National Stock Exchange (NSE) and BSE in December same year.
Ujjivan Small Finance Bank Limited’s market capitalisation stood at over ₹10,800 crore as of January 24, 2024. Ujjivan Small Finance Bank share price has surged more than 46% in the last three years.
Ujjivan SFB business operations
The Bank has established its reach and network on Pan-India basis catering to 79 lakh customers through its 700 banking touchpoints across 304 districts, 26 states and Union Territories.
The bank’s phone banking unit services customers in eleven languages and its mobile banking application is accessible in five languages. The bank also provides internet banking services for retail and corporate customers.
In recent years the bank has introduced new products and services like differential saving account rates, point of sale (pos) machines, cash management services (cms) solutions; Online fee collection and QR code solution for merchants.
The SFB has also diversified into the health insurance segment. It has leveraged technology and digital processes to onboard customers while improving customer service.
The lender also offers financing products like term loan, overdraft and cash credit facility and cash credit/overdraft facilities. The bank has expanded its operations to enhance its regional presence by opening offices in major markets like Ahmedabad, Coimbatore, Patna, and Jaipur. The bank also serves the MSME customers through its dedicated Asset Centres. The first Asset Centre was established in Mysuru, Karnataka.
Ujjivan Small Finance Bank Financial Highlights
- Revenue: Ujjivan Small Finance Bank reported revenue of ₹8,038.97 crore in FY26 vs ₹7,200.59 crore in FY25. It showed an increase of 11.64% on a yearly basis.
- Operating Profit: Ujjivan Small Finance Bank reported an operating profit of ₹911.03 crore in FY26 vs ₹941.57 crore in FY25. It showed a decrease of 3.24% on a year-on-year basis.
- Net Profit: Ujjivan Small Finance Bank reported a net profit of ₹692.63 crore in FY26 vs ₹726.10 crore in FY25. It showed a decrease of 4.61% on a yearly basis.
Ujjivan Small Finance Bank Quarterly Result Highlights
- Ujjivan Small Finance Bank reported revenue of ₹2,280.93 crore in Jun 2026, compared with ₹2,185.06 crore in Mar 2026, representing an increase of 4.39% on a quarter-on-quarter (QoQ) basis.
- Ujjivan Small Finance Bank reported an operating profit of ₹420.74 crore in Jun 2026, compared with ₹370.75 crore in Mar 2026, representing an increase of 13.48% on a quarter-on-quarter (QoQ) basis.
- Ujjivan Small Finance Bank reported a profit of ₹316.54 crore in Jun 2026, compared with ₹281.97 crore in Mar 2026, reflecting an increase of 12.26% on a QoQ basis.
- The earnings per share (EPS) of Ujjivan Small Finance Bank stood at ₹3.57 during Jun 2026.
