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542904
UJJIVANSFB
As of the latest trading session, UJJIVAN SMALL FINANC BANK share price is currently at ₹ 54.1, which is up by ₹ 0.79 from its previous closing. Today, the stock has fluctuated between ₹ 53.19 and ₹ 54.40. Over the past year, UJJIVAN SMALL FINANC BANK has achieved a return of 52.06 %. In the last month alone, the return has been 0.62 %. Read More...
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| Particulars | SEP 2025 (Values in Cr) |
|---|---|
| Revenue | 1682.31 |
| Operating Expense | 782.79 |
| Net Profit | 121.72 |
| Net Profit Margin (%) | 7.23 |
| Earnings Per Share (EPS) | 0.63 |
| EBITDA | 920.91 |
| Effective Tax Rate (%) | 24.05 |
| Company Name | Price | P/E | P/B | Market Cap | 52 Week Low/High |
|---|---|---|---|---|---|
| STATE BANK OF INDIA | 977.70 | 11.49 | 1.66 | 902477.48 | 679.65 / 999.10 |
| KOTAK MAHINDRA BANK LTD | 2165.25 | 23.19 | 2.56 | 430689.57 | 1711.05 / 2301.55 |
| FEDERAL BANK LTD | 265.25 | 16.55 | 1.80 | 65300.77 | 172.95 / 266.80 |
| HDFC BANK LTD | 979.65 | 20.83 | 2.79 | 1506947.65 | 812.13 / 1020.35 |
| ICICI BANK LTD. | 1356.90 | 18.20 | 2.94 | 970206.84 | 1187.00 / 1494.10 |
| Company Name | Price | P/E | P/B | Market Cap | 52 Week Low/High |
|---|---|---|---|---|---|
| STATE BANK OF INDIA | 977.70 | 12.65 | 1.83 | 902477.48 | 679.65 / 999.10 |
| KOTAK MAHINDRA BANK LTD | 2165.25 | 32.16 | 3.44 | 430689.57 | 1711.05 / 2301.55 |
| KARUR VYSYA BANK LTD | 247.65 | 11.37 | 1.87 | 23934.98 | 153.67 / 258.50 |
| FEDERAL BANK LTD | 265.25 | 17.17 | 1.86 | 65300.77 | 172.95 / 266.80 |
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For Q1 of FY 25-26, the bank's revenue was ₹1,619 crore, and its net profit stood at ₹103 crore. In the corresponding Q1 of FY 24-25, the revenue was ₹1,577 crore with a net profit of ₹301 crore.
Date Source: screener.in, and corporate filings on NSE/BSE
For the fiscal year FY 24-25, the bank reported revenue of ₹6,354 crore and a net profit of ₹726 crore. In the preceding year, FY 23-24, the company's revenue was ₹5,677 crore, and the net profit was ₹1,281 crore.
Date Source: screener.in, and corporate filings on NSE/BSE
A dividend yield of 3.28% is associated with the company, which has a face value of ₹10.0 per share. The company has not yet declared any dividend for the financial year 2025-26. The last announced dividend was Rs 1.50 per share for FY 2024-25, with an ex-date of July 12, 2024.
Date Source: screener.in, and corporate filings on NSE/BSE
Ujjivan Small Finance Bank Limited is an Indian bank that provides financial services to unserved and underserved segments of the population. Its origin traces back to its promoter, Ujjivan Financial Services Limited (UFSL), which began operations as a Non-Banking Financial Company (NBFC) in 2005. The formation of the bank was part of a broader initiative by the Reserve Bank of India (RBI) to create a new category of banking institutions known as Small Finance Banks (SFBs). The mandate for SFBs was to advance financial inclusion by providing savings vehicles and supplying credit to small business units, small and marginal farmers, and other unorganised sector entities.
Over the course of a predetermined regulatory process, the transition from an NBFC to a bank was carried out. On October 7, 2015, the RBI told UFSL it may initiate an SFB. Ujjivan Small Finance Bank Limited was subsequently transformed into a wholly-owned subsidiary as a result of this action. On November 11, 2016, after receiving the final approval from the Reserve Bank of India (RBI), UFSL transferred all of its lending and funding opportunities to the new bank. The Ujjivan Small Finance Bank began its operations on February 1, 2017, and has been around ever since.
In December 2019, the bank performed an Initial Public Offer (IPO) to raise additional money and make it simpler for its equity shares to be listed on the BSE Limited and the National Stock Exchange of India. The company also offered equity shares through a private placement before the IPO. Later, the bank and the promoter firm, Ujjivan Financial Services Limited, were combined into one. As part of the process of following the requirements for SFBs on how to set up their holding companies, this merger took place.
As a means of catering to the requirements of its extensive clientele, the financial institution has established a network of services that can be accessed through a variety of different channels. The company has 753 branches and 611 automated teller machines (ATMs) across 26 states and union territories as of the 31st of March, 2025. There are currently 123 new branches that have been added to this network, which has been expanding at a steady rate.
The bank has also established regional processing hubs in significant markets such as Ahmedabad, Coimbatore, and Patna in order to assist with its operations and to make things less centralised. The bank not only has a physical branch, but it also provides a mobile application for smartphones that is available in five different languages, as well as an online banking platform that caters to both individual and business customers. It has also helped channels, such as phone banking services with Interactive Voice Response (IVR) that operates in nine different languages.
Over time, Ujjivan SFB has added more products to its line, which has pushed it away from its core focus. There are several ways to get credit, including loans for small, medium, and micro companies (MSMEs). It has put up specific Retail Asset Centres to better serve this population. The first one was in Mysuru. It also offers out loans under the Credit Guarantee Trust for Micro and Small Enterprises (CGTMSE) programme, which makes it simpler to receive credit without having to put up collateral. The bank now offers its corporate customers digital payment solutions, such as QR codes and point-of-sale (PoS) devices. Additionally, they are able to assist businesses in management of their cash and online collection of fees (CMS).
It is the bank's responsibility to adhere to the regulations that govern banking and microfinance in India. The Microfinance Institutions Network (MFIN), which is an association that is responsible for its own regulation, established a set of "guardrails" and a regulation in the year 2025 that stated there could be no more than three lenders participating. In order to alleviate concerns regarding the microbanking industry's large amount of debt, these steps were taken to ensure that the assets were of an exceptionally high quality. The financial institution is willing to extend loans to customers, small and medium-sized businesses (MSMEs), and other financial institutions.
1. Who is the CEO of Ujjivan Small Finance Bank Ltd?
The CEO of Ujjivan Small Finance Bank Ltd is Nitin Chugh. He has been leading the bank, bringing a wealth of experience in the financial sector. His leadership has been instrumental in Ujjivan Small Finance Bank’s growth and its continued efforts to cater to the financially underserved segments in India.
2. When was Ujjivan Small Finance Bank Ltd established?
Ujjivan Small Finance Bank Ltd commenced its operations on February 1, 2017. It was established after Ujjivan Financial Services Limited (UFSL) received RBI’s final approval to set up the small finance bank. UFSL had initially operated as a non-banking financial company (NBFC) from 2005, with the goal of providing financial services to underserved populations.
3. What factors influence the Ujjivan Small Finance Bank Share Price?
The Ujjivan Small Finance Bank share price is influenced by several factors, including its financial performance, market conditions, investor sentiment, and regulatory developments. Key metrics such as revenue, net profit, and growth in customer base also impact the stock price. Additionally, external economic conditions, interest rates, and competition in the banking sector can significantly influence the Ujjivan Small share price.
4. Is Ujjivan Small Finance Bank Ltd debt-free?
No, Ujjivan Small Finance Bank Ltd is not entirely debt-free. Like most banks, it carries certain levels of liabilities and borrowings, which are part of its operational structure. However, it maintains a relatively healthy balance sheet with a focus on financial inclusion and sustainable growth. The bank’s financial management and strategies aim to balance risk and return for its stakeholders.
5. What is the CAGR of Ujjivan Small Finance Bank Share?
Over the past three years, the Ujjivan Small Finance Bank share has delivered a CAGR of 22%. This reflects a steady growth trajectory despite fluctuations in stock performance. However, over the past year, the stock has faced some challenges, impacting its performance as indicated by a decrease in the Ujjivan Small Finance Bank share price.
6. How has the Ujjivan Small Finance Bank Share Price performed over the past year?
Over the past year, the Ujjivan Small Finance Bank share price has experienced a decline of 39%. This drop in value is a result of various factors, including market dynamics and the bank’s performance amidst external economic conditions. While the stock had shown promise in earlier periods, it has faced a challenging year in terms of share price performance.
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 companies Promoter, Ujjivan Financial Services Limited (UFSL) commenced operations as an NBFC in 2005 with the mission 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 our 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.
Ujjivan Small Finance Bank Ltd share price is for NSE ₹ 54.10 & for BSE ₹ 54.13 as on Dec 19 2025 02:43 PM.
The market cap of Ujjivan Small Finance Bank Ltd for NSE ₹ 10,510.30 & for BSE ₹ 0.00 as on Dec 19 2025 02:43 PM.
The 52 Week High and Low of Ujjivan Small Finance Bank Ltd for NSE is ₹ 56.30 and ₹ 30.88 and for BSE is ₹ 56.30 and ₹ 30.85.
The 1 year returns on the stock has been 52.06%.
As on Dec 19 2025 02:43 PM the price-to-earnings (PE) ratio for Ujjivan Small Finance Bank Ltd share is 24.83.
As on Dec 19 2025 02:43 PM, the price-to-book (PB) ratio for Ujjivan Small Finance Bank Ltd share is 32.14.
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