UJJIVANSFBUjjivan Small Finance Bank Ltd
Ujjivan Small Finance Bank’s September-quarter net profit triples to ₹365 crore as gross NPA falls to 2.10%
- Earnings
- Banking
Ujjivan Small Finance Bank Limited has told the exchanges that it released its unaudited results for the quarter and half year ended 30 Sep 2026 on 16 Oct 2026. Net profit for the September quarter was ₹365.05 crore, about three times the ₹121.72 crore of a year earlier, and 15% above the ₹316.54 crore of the June 2026 quarter.
Total income rose 26% to ₹2,448.94 crore from ₹1,938.66 crore, with interest earned of ₹2,153.36 crore, against ₹1,682.31 crore. Operating profit before provisions was ₹593.69 crore, against ₹395.24 crore. Provisions and contingencies fell to ₹102.97 crore from ₹234.96 crore a year earlier.
Gross NPAs were 2.10% of gross advances, against 2.45% a year earlier and 2.16% in June, and net NPAs were 0.31%, against 0.67%. The capital adequacy ratio was 20.69%, against 21.36% a year earlier. Basic earnings per share were ₹1.87, against ₹0.63. For the half year, net profit was ₹681.59 crore against ₹224.94 crore.
Inference
Two things sit behind the larger profit in the filing: operating profit before provisions was about half as high again as a year earlier, and provisions were less than half of last year’s level. Both lines are in the results statement.
Gross and net NPA ratios were lower than a year earlier. The capital adequacy ratio was slightly lower than a year earlier, though still above 20%. The filing contains the full ratios and notes for readers who want to look beyond the headline.
Reference: Original filing (PDF)
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