Ujjivan Small Finance Bank Ltd
UJJIVANSFB | 542904
₹70.11
-1.94 (-2.69%)
Performance
Historical price movement and trading activity
Trading Data
Overview
Ujjivan Small Finance Bank Limited is a mass market focused small finance bank in India, catering to financially unserved and underserved segments and committed to building financial inclusion in the country. The Company Promoter, Ujjivan Financial Services Limited (UFSL) commenced operations as an NBFC in 2005 to provide a full range of financial services to the economically active poor' who were not adequately served by financial institutions. On October 7, 2015, UFSL received RBI In-Principle Approval to set up a Small Finance Bank(SFB), following which it incorporated Ujjivan Small Finance Bank Limited as a wholly-owned subsidiary. UFSL, subsequent to obtaining RBI Final Approval on November 11, 2016 to establish and carry on business as an SFB, transferred its business undertaking comprising of its lending and financing business to the Bank, which commenced its operations from February 1, 2017. Ujjivan SFB has a diversified portfolio with branches spread across 26 states and union territories. Apart from the network of branches, ATMs and automated cash recyclers, customers are served in 9 Languages through IVR and in 13 languages through the interactions with PhoneBankers. A mobile banking application that is accessible in five languages as well as internet banking facility for individual and corporate customers. Ujjivan SFB also has portfolio of loans to financial institutions. The Bank operationalised 101 Banking Outlets (BO) including 24 in Unbanked Rural Centres (URCs) during FY 2019-20. As of March 31, 2020, the Bank operated a strong network of 575 Banking Outlets (BOs) and 475 ATMs. In 2019-20, the business undertaking of Erstwhile Ujjivan Financial Services Limited (eUFSL), was was transferred to the Bank through the Scheme of Amalgamation and the merger was given effect in the Books of Accounts of the Company. The Bank came up with an IPO of 202,702,702 Equity Shares of Face Value of Rs 10 each for cash at a price of Rs 37 per equity share (including a share premium of Rs 27 per equity share) aggregating to Rs 7,459.46 Million. Pursuant to the IPO, the Equity Shares of the Bank got listed on BSE and NSE on December 12, 2019. The Bank, as part of its IPO, had undertaken PreIPO Placement of 71,428,570 Equity Shares by way of preferential issue on private placement basis at a price of Rs 35 per equity shares for cash consideration. As of March 31, 2021, the Bank operated a strong network of 575 Banking Outlets (BOs) and 491 ATMs. During FY 2020-21, new products launched included Differential saving account rates; Point of Sale (PoS) machine; Cash Management Services (CMS) solutions; Online fee collection solutions and QR code solution for merchants. The Bank introduced new health insurance offerings, scaled up employee IRDA certification efforts, improved internal processes to remove operational bottlenecks, adopted digital initiatives for customer on-boarding and servicing, and focused on quality customer acquisition across business verticals. The Bank operated a network of 492 Automated Teller Machines (ATMs) as at March 31, 2022. New products like term loan, overdraft and cash credit facility, were launched under the Credit Guarantee Trust for MSE scheme (CGTMSE); and cash credit/OD facilities were introduced for FIG customers. During 2023, the Bank expanded its branch network by introducing 54 new branches, bringing the total to 629 branches. The Bank operated a network of 517 Automated Teller Machines (ATMs) as at March 31, 2023. It commenced operations in Telangana. It opened 9 new branches in Uttar Pradesh and Gujarat; it added regional processing hubs across the country to enhance the regional presence and cater to major markets such as Ahmedabad, Coimbatore, Patna, and Jaipur. Additionally, it launched Asset Centres dedicated to serving MSME customers, with the first centre opening in Mysuru. In 2024, the Bank expanded its branch network by introducing 123 new branches, bringing the total to 629 branches. The Bank operated a network of 596 Automated Teller Machines (ATMs) as at March 31, 2024. It commenced operations in Telangana. It opened 123 new branches in Uttar Pradesh and Gujarat; it added regional processing hubs across the country to enhance the regional presence and cater to major markets such as Ahmedabad, Coimbatore, Patna, and Jaipur. Additionally, it opened 16 new Retail Asset Centres to serving MSME customers, with the first centre opening in Mysuru. With effect from April 1, 2025, the three-lender capping became effective. As of March 31, 2025, Bank has built a robust network of 753 branches and 611 ATMs across the country. The Bank commenced with instability in the Micro Banking sector, prompting the self-regulatory group Microfinance Institutions Network (MFIN) to implement Guardrails at regulating asset quality across the industry, which executed by April 1, 2025. 17 New ATMs have been opened in FY 2024-25. In financial year 2025-26, the branch network reached 776, with the addition of 23 new branches. The Gross Loan Book increased to Rs 40,655 crores, reflecting growth of 26.6% YoY. Growth was driven by Housing, MSME, Gold loans, Vehicle finance and Agri banking. Housing loans grew by 43.4%, MSME by 57.9%, while Gold loans, Vehicle finance and Agri banking grew by 292.3%, 101.7% and 126.7% respectively, supporting portfolio diversification and reducing concentration towards microfinance. Total deposits stood at Rs 45,668 Crore, scaling the growth of 21.4% YoY, supporting the CASA mobilisation in FY26. Company observed stresses in the Micro Banking Division resulting in recovery of growth across the Micro Banking.
Sector & Industry
Banks - Private Sector
Listing Exchange
National Stock Exchange (NSE)
Bombay Stock Exchange (BSE)
Fundamentals
Financial strength and ownership structure
Shareholding Pattern
Technicals
Price-based indicators and levels
Indicators
Index (RSI)+59.96Neutral
Support and Resistance Levels
Moving Averages
News
Hot Pursuit
Ujjivan Small Finance Bank slips after RBI returns universal bank application
15 Apr 2026
Shares of Ujjivan Small Finance Bank declined 3.22% to Rs 58.40 after the Reserve Bank of India returned the lender's application for transition to a universal bank.
In its communication dated 13 April 2026, the RBI acknowledged the bank's progress in diversifying its loan portfolio but noted that further improvement is required. The regulator has advised the bank to reapply once it demonstrates a more diversified loan mix. The development delays Ujjivan's plans to transition into a universal bank, a move that would have allowed it to expand its product offerings and scale operations beyond the small finance bank framework. Ujjivan Small Finance Bank is a Scheduled Commercial Bank serving ~99.6 lakh customers through 777 branches across 339 districts in 26 states and Union Territories, supported by robust digital channels. The bank offers a diversified portfolio spanning across affordable housing, MSME, agri, vehicle, gold, micro-mortgage, FIG, and microfinance (group and individual) loans. As of 31 December 2025, Ujjivan's gross loan book stood at Rs 37,057 crore, with deposits of Rs 42,223 crore and a net worth of Rs 6,519 crore. On a standalone basis, the bank's net profit surged 70.98% to Rs 185.72 crore on 16.12% increase in total income to Rs 2,047.40 crore in Q3 December 2025 over Q3 December 2024.
Corporate News
Ujjivan Small Finance Bank approves equity share allotment under Employee Stock Option Plan
6 Aug 2026
Ujjivan Small Finance Bank Limited announced that its Stakeholders Relationship Committee approved the allotment of 27,12,065 equity shares, with a face value of Rs.10 each, under the Ujjivan Small Finance Bank -Employee Stock Option Plan 2019, increasing the bank's paid-up capital from Rs. 19,45,82,85,040 to Rs. 19,48,54,05,690.
Ujjivan Small Finance Bank receives ESG score of 74
28 Jul 2026
Ujjivan Small Finance Bank announced that ESG Risk Assessments and Insights (ESG Risk) has voluntarily assigned an ESG Rating of '74' (classified as 'Excellent') to the Bank.
Ujjivan Small Finance Bank to convene board meeting
4 Jul 2026
On 23 July 2026
Ujjivan Small Finance Bank will hold a meeting of the Board of Directors of the Company on 23 July 2026.
Ujjivan Small Finance Bank to convene AGM
1 Jul 2026
On 24 July 2026
Ujjivan Small Finance Bank announced that the Annual General Meeting(AGM) of the bank will be held on 24 July 2026.
Ujjivan Small Finance Bank allots 8.15 lakh equity shares under ESOP
6 Jun 2026
Ujjivan Small Finance Bank has allotted 8,15,797 equity shares under ESOP. Consequently, the paid-up capital of the Bank has increased from Rs. 19,44,43,99,940 to 19,45,25,57,910.
Board of Ujjivan Small Finance Bank approves fund raising up to Rs 2,000 cr via equity route
8 May 2026
At meeting held on 08 May 2026
The board of Ujjivan Small Finance Bank at its meeting held on 08 May 2026 has approved raising of funds up to Rs 2,000 crore in one or more tranches and/or one or more issuances simultaneously or otherwise, by way of an issue of fully paid-up equity shares, through one or more permissible modes, including but not limited to preferential issue(s), private placement(s), qualified institutions placement(s) and/or any combination thereof or any other method.
Ujjivan Small Finance Bank to conduct board meeting
29 Apr 2026
On 8 May 2026
Ujjivan Small Finance Bank will hold a meeting of the Board of Directors of the Company on 8 May 2026.
Ujjivan Small Finance Bank receives affirmation in credit ratings from CARE
24 Mar 2026
Ujjivan Small Finance Bank has received reaffirmation in credit ratings from CARE Ratings at CARE AA-; Stable for facilities including long-term bank facilities (Rs 500 crore), subordinated non-convertible debentures (Rs 500 crore) and fixed deposits (Rs 10,000 crore). Powered by Capital Market - Live News
Results - Announcements
Ujjivan Small Finance Bank standalone net profit rises 206.67% in the June 2026 quarter
23 Jul 2026
Total Operating Income rise 25.08% to Rs 2024.92 crore
Net profit of Ujjivan Small Finance Bank rose 206.67% to Rs 316.54 crore in the quarter ended June 2026 as against Rs 103.22 crore during the previous quarter ended June 2025. Total Operating Income rose 25.08% to Rs 2024.92 crore in the quarter ended June 2026 as against Rs 1618.84 crore during the previous quarter ended June 2025. Particulars Quarter Ended Jun. 2026 Jun. 2025 % Var. Total Operating Income 2024.92 1618.84 25 OPM % 49.50 40.12 - PBDT 420.74 135.54 210 PBT 420.74 135.54 210 NP 316.54 103.22 207 Powered by Capital Market - Live News
Ujjivan Small Finance Bank standalone net profit rises 238.13% in the March 2026 quarter
8 May 2026
Total Operating Income rise 19.39% to Rs 1878.36 crore
Net profit of Ujjivan Small Finance Bank rose 238.13% to Rs 281.97 crore in the quarter ended March 2026 as against Rs 83.39 crore during the previous quarter ended March 2025. Total Operating Income rose 19.39% to Rs 1878.36 crore in the quarter ended March 2026 as against Rs 1573.36 crore during the previous quarter ended March 2025. For the full year,net profit declined 4.61% to Rs 692.63 crore in the year ended March 2026 as against Rs 726.10 crore during the previous year ended March 2025. Total Operating Income rose 9.08% to Rs 6931.45 crore in the year ended March 2026 as against Rs 6354.39 crore during the previous year ended March 2025. Particulars Quarter Ended Year Ended Mar. 2026 Mar. 2025 % Var. Mar. 2026 Mar. 2025 % Var. Total Operating Income 1878.36 1573.36 19 6931.45 6354.39 9 OPM % 45.23 33.98 - 41.32 44.28 - PBDT 370.75 95.26 289 911.03 941.57 -3 PBT 370.75 95.26 289 911.03 941.57 -3 NP 281.97 83.39 238 692.63 726.10 -5 Powered by Capital Market - Live News
Insider Activity
Acquisitions
Ashim Sarkar
Designated Person
Acquired 122257 shares worth ₹34,60,860
Reported on 5 Dec 2025
Mode: ESOP
Joshua Raja R
Designated Person
Acquired 77603 shares worth ₹19,05,242
Reported on 5 Dec 2025
Mode: ESOP
Martin Pampilly S
Designated Person
Acquired 75214 shares worth ₹22,56,988
Reported on 5 Dec 2025
Mode: ESOP
John Christy A
Designated Person
Acquired 11093 shares worth ₹3,88,255
Reported on 19 Sept 2025
Mode: ESOP
Martin Pampilly S
Designated Person
Acquired 25015 shares worth ₹7,35,058
Reported on 10 Sept 2025
Mode: ESOP
Ratan Jyoti
Designated Person
Acquired 33962 shares worth ₹11,88,670
Reported on 9 Sept 2025
Mode: ESOP
Brajesh Joseph Cherian
Designated Person
Acquired 33289 shares worth ₹11,65,115
Reported on 9 Sept 2025
Mode: ESOP
Premkumar G
Designated Person
Acquired 46586 shares worth ₹15,46,655
Reported on 10 Jul 2024
Mode: ESOP
Parag Kumar Srivastava
Designated Person
Acquired 47000 shares worth ₹12,92,500
Reported on 12 Mar 2024
Mode: ESOP
Parag Kumar Srivastava
Designated Person
Acquired 14602 shares worth ₹2,91,310
Reported on 12 Mar 2024
Mode: ESOP
Shashidhara S
Designated Person
Acquired 20336 shares worth ₹6,25,246
Reported on 9 Feb 2024
Mode: ESOP
Shashidhara S
Designated Person
Acquired 4252 shares worth ₹1,48,820
Reported on 9 Feb 2024
Mode: ESOP
Ittira Davis
KMP
Acquired 73892 shares worth ₹19,50,010
Reported on 16 Jan 2024
Mode: ESOP
Sanjeev Barnwal
KMP
Acquired 12500 shares worth ₹4,37,500
Reported on 1 Dec 2023
Mode: ESOP
Gaurav Sah
Employee
Acquired 2534 shares worth ₹50,553
Reported on 16 Sept 2023
Mode: ESOP
Swati Jain
Employees Immediate Relative
Acquired 2615 shares worth ₹52,169
Reported on 16 Sept 2023
Mode: ESOP
Swati Jain
Employees Immediate Relative
Acquired 20612 shares worth ₹7,21,420
Reported on 16 Sept 2023
Mode: ESOP
Ashish Goel
Employee
Acquired 50000 shares worth ₹10,95,000
Reported on 28 Sept 2022
Mode: Market Purchase
Suvarna Goel
Employees Immediate Relative
Acquired 40000 shares worth ₹9,92,000
Reported on 28 Sept 2022
Mode: Market Purchase
Disposals
Joshua Raja R
Designated Person
Disposed 32500 shares worth ₹17,87,500
Reported on 26 Nov 2025
Mode: Market Sale
ABDUL HAMEED CHAMAN
Designated Person
Disposed 50001 shares worth ₹26,94,553
Reported on 28 Oct 2025
Mode: Market Sale
John Christy A
Designated Person
Disposed 45000 shares worth ₹20,48,400
Reported on 19 Sept 2025
Mode: Market Sale
Martin Pampilly S
Designated Person
Disposed 20000 shares worth ₹9,70,000
Reported on 10 Sept 2025
Mode: Market Sale
Cini Brajesh
Employees Immediate Relative
Disposed 4600 shares worth ₹2,02,400
Reported on 9 Sept 2025
Mode: Market Sale
Brajesh Joseph Cherian
Designated Person
Disposed 5949 shares worth ₹2,61,756
Reported on 9 Sept 2025
Mode: Market Sale
Premkumar G
Designated Person
Disposed 60000 shares worth ₹25,39,800
Reported on 12 Sept 2024
Mode: Market Sale
Ittira Davis
Designated Person
Disposed 50000 shares worth ₹22,56,500
Reported on 2 Aug 2024
Mode: Market Sale
Ittira Davis
KMP
Disposed 50000 shares worth ₹26,52,500
Reported on 24 May 2024
Mode: Market Sale
Shashidhara S
Designated Person
Disposed 400 shares worth ₹23,660
Reported on 9 Feb 2024
Mode: Market Sale
Shashidhara S
Designated Person
Disposed 5729 shares worth ₹3,44,599
Reported on 9 Feb 2024
Mode: Market Sale
Shashidhara S
Designated Person
Disposed 3200 shares worth ₹1,88,608
Reported on 9 Feb 2024
Mode: Market Sale
Gangadhar M K
Designated Person
Disposed 24795 shares worth ₹14,73,815
Reported on 13 Dec 2023
Mode: Market Sale
Mallikarjun Hanabe Virupakshaiah
Employee
Disposed 25112 shares worth ₹14,43,940
Reported on 6 Dec 2023
Mode: Market Sale
Sanjeev Barnwal
KMP
Disposed 10500 shares worth ₹6,01,650
Reported on 1 Dec 2023
Mode: Market Sale
Ittira Davis
KMP
Disposed 50000 shares worth ₹27,15,000
Reported on 22 Nov 2023
Mode: Market Sale
Swati Jain
Employees Immediate Relative
Disposed 10000 shares worth ₹4,89,750
Reported on 16 Sept 2023
Mode: Market Sale
Pledge Activity
Pradeep B Revised
Designated Person
Pledged 97500 shares worth ₹41,00,000
Reported on 19 Dec 2024
Mode: Creation Of Pledge
Pradeep B
Designated Person
Pledged 97500 shares worth ₹41,00,000
Reported on 24 Sept 2024
Mode: Creation Of Pledge
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