INTEGRATED FILING — BANKING
General information about company
| Scrip code |
542904 |
| NSE Symbol |
UJJIVANSFB |
| MSEI Symbol |
NA |
| ISIN |
INE551W01018 |
| Name of bank |
UJJIVAN SMALL FINANCE BANK LIMITED |
| Class of security |
Equity |
| Date of start of financial year |
01-04-2025 |
| Date of end of financial year |
31-03-2026 |
| Date of board meeting when results were approved |
22-01-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
07-01-2026 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Third quarter |
| Nature of report standalone or consolidated |
Standalone |
| Whether results are audited or unaudited |
Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended |
Unaudited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
22-01-2026
11:00:00 |
| End date and time of board meeting |
22-01-2026 13:50:00
|
| Whether cash flow statement is applicable on company |
|
| Type of cash flow statement |
|
| Declaration of unmodified opinion or statement on impact of audit qualification |
Declaration of unmodified opinion |
| Whether statement on deviation or variation for proceeds of public issue, rights issue,
preferential issue, qualified institutions placement etc. is applicable to the company for the
current quarter? |
No |
| No. of times funds raised during the quarter |
|
| Whether the disclosure for the Default on Loans and Debt Securities is applicable to the
entity? |
No |
| NA |
Financial Results - Banking
Amount in (Lakhs)
| Particulars |
3 months/ 6 months ended (dd-mm-yyyy) |
Year to date figures for current period ended (dd-mm-yyyy) |
| A |
Date of start of reporting period |
01-10-2025 |
01-04-2025 |
| B |
Date of end of reporting period |
31-12-2025 |
31-12-2025 |
| C |
Whether results are audited or unaudited |
Unaudited |
Unaudited |
| D |
Nature of report standalone or consolidated |
Standalone |
Standalone |
| 1 |
Interest earned
|
|
Interest or discount on advances or bills |
1,54,759.00 |
4,41,913.97 |
|
Income on investments |
19,943.00 |
61,430.60 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
309.00 |
1,365.00 |
|
Others |
181.00 |
599.39 |
|
Total interest earned |
1,75,192.00 |
5,05,308.96 |
| 2 |
Other income |
29,548.00 |
80,082.47 |
| 3 |
Total income |
2,04,740.00 |
5,85,391.43 |
|
Expenses
|
| 4 |
Interest expenses |
75,145.00 |
2,27,497.67 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
47,381.00 |
1,32,102.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other expense |
38,234.00 |
1,06,238.48 |
|
Total other operating Expenses |
38,234.00 |
1,06,238.48 |
|
Total Operating Expenses |
85,615.00 |
2,38,340.48 |
| 6 |
Total expenditure excluding provisions and contingencies
| 1,60,760.00 |
4,65,838.15 |
| 7 |
Operating profit before provision and contingencies |
43,980.00 |
1,19,553.28 |
| 8 |
Provisions other than tax and contingencies |
19,534.00 |
65,525.09 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 24,446.00 |
54,028.19 |
| 11 |
Provision for Tax |
5,874.00 |
12,962.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
18,572.00 |
41,066.19 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
18,572.00 |
41,066.19 |
| 15 |
Share of profit (loss) of associates
| |
|
| 16
| Profit (loss) of minority interest
| |
|
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| 18,572.00 |
41,066.19 |
|
| 18 |
Details of equity share capital [Abstract]
|
|
Paid-up equity share capital
| 1,93,846.31 |
1,93,846.31 |
|
Face value of equity share capital
| 10 |
10 |
| 19 |
Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) |
|
|
|
| 20 |
Analytical ratios |
| (i)
| Percentage of share held by government of India |
0 |
0 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
20.1300 |
20.1300 |
|
| Additional Tier 1 ratio |
0 |
0 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 0.96 |
2.12 |
|
Diluted earnings per share before extraordinary items
| 0.94 |
2.09 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 0.96 |
2.12 |
|
Diluted earnings per share after extraordinary items
| 0.94 |
2.09 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 87,939.26 |
87,939.26 |
|
Amount of net non-performing assets
| 20,808.10 |
20,808.10 |
|
% of gross NPAs |
2.3800 |
2.3800 |
|
% of net NPAs
| 0.5700 |
0.5700 |
|
Return on assets
| 0.3700 |
0.8400 |
| 21 |
Disclosure of notes on financial results by banks
| |
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Amount in (Lakhs)
| Particulars |
3 months/ 6 months ended (dd-mm-yyyy) |
Year to date figures for current period ended (dd-mm-yyyy) |
| Date of start of reporting period |
01-10-2025 |
01-04-2025 |
| Date of end of reporting period |
31-12-2025 |
31-12-2025 |
| Whether results are audited or unaudited |
Unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Standalone |
Standalone |
| 1 |
Segment Revenue (Income)
|
|
| (net sale/income from each segment should be disclosed) |
| 1 |
Treasury |
21,815.32 |
71,885.30 |
| 2 |
Retail banking |
1,77,600.31 |
4,96,763.94 |
| 3 |
Wholesale banking |
5,324.51 |
16,741.56 |
|
| Total Segment Revenue
| 2,04,740.14 |
5,85,390.80 |
|
Less: Inter segment revenue |
|
|
|
Income from operations |
2,04,740.14 |
5,85,390.80 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury |
2,553.84 |
11,638.96 |
| 2 |
Retail banking |
20,681.68 |
38,499.87 |
| 3 |
Wholesale banking |
2,604.81 |
8,018.80 |
|
Total Profit before tax |
25,840.33 |
58,157.63 |
|
i. Finance cost |
|
|
|
ii. Other Unallocable Expenditure net off Unallocable income
|
1,394.79 |
4,130.07 |
|
Profit before tax |
24,445.54 |
54,027.56 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury |
14,34,394.64 |
14,34,394.64 |
| 2 |
Retail banking |
34,91,489.51 |
34,91,489.51 |
| 3 |
Wholesale banking |
2,64,406.26 |
2,64,406.26 |
|
Total Segment Assets |
51,90,290.41 |
51,90,290.41 |
|
Un-allocable Assets |
39,594.28 |
39,594.28 |
|
Net Segment Assets |
52,29,884.69 |
52,29,884.69 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury |
12,55,611.41 |
12,55,611.41 |
| 2 |
Retail banking |
30,56,309.56 |
30,56,309.56 |
| 3 |
Wholesale banking |
2,31,450.61 |
2,31,450.61 |
| |
Total Segment Liabilities |
45,43,371.58 |
45,43,371.58 |
| |
Un-allocable Liabilities |
34,659.24 |
34,659.24 |
|
Net Segment Liabilities |
45,78,030.82 |
45,78,030.82 |
|
Disclosure of notes on segments |
|
Details of Impact of Audit Qualification
Amount in (Lakhs)
| Whether results are audited or unaudited |
Unaudited |
| Declaration of unmodified opinion or statement on impact of audit qualification |
Declaration of unmodified opinion |
| Auditor's opinion |
|
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015:
The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified
opinion for the period on Standalone results |
Yes |
| Sr No. |
Audit firm's name |
Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI |
Certificate valid upto |
| 1 |
Deloitte Haskins & Sells |
Yes |
31-03-2027 |
| 2 |
Abarna & Ananthan |
Yes |
30-09-2028 |