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 08-05-2026
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 28-04-2026
Description of presentation currency INR
Level of rounding used in financial results Lakhs
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 08-05-2026   11:00:00
End date and time of board meeting 08-05-2026   14:06:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether the company has any related party? Yes
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure? Yes
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public Yes
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure. Yes
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)? No
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company? Yes
Latest Date on which RPT policy is updated 22-01-2026
Indicate Company website link for updated RPT policy of the Company https://www.ujjivansfb.bank.in/corporate/corporate-governance-policies
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
No instance of any default


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 01-01-2026 01-04-2025
B Date of end of reporting period 31-03-2026 31-03-2026
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 1,65,833.00 6,07,747.00
Income on investments 21,602.00 83,033.00
Interest on balances with reserve bank of India and other inter bank funds 235.00 1,600.00
Others 166.00 765.00
Total interest earned 1,87,836.00 6,93,145.00
2 Other income 30,670.00 1,10,752.00
3 Total income 2,18,506.00 8,03,897.00
Expenses
4 Interest expenses 78,547.00 3,06,045.00
5 Operating expenses
(i) Employees cost 46,995.00 1,79,097.00
(ii) Details of other operating expenses
Description of other operating expenses
1 Others 41,504.00 1,47,742.00
Total other operating Expenses 41,504.00 1,47,742.00
Total Operating Expenses 88,499.00 3,26,839.00
6 Total expenditure excluding provisions and contingencies 1,67,046.00 6,32,884.00
7 Operating profit before provision and contingencies 51,460.00 1,71,013.00
8 Provisions other than tax and contingencies 14,385.00 79,910.00
9 Exceptional items 0.00 0.00
10 Total profit (loss) from ordinary activities before tax 37,075.00 91,103.00
11 Provision for Tax 8,878.00 21,840.00
12 Net profit (loss) from ordinary activities after tax 28,197.00 69,263.00
13 Extraordinary items net of tax expenses 0.00 0.00
14 Net profit (loss) for the period 28,197.00 69,263.00
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 28,197.00 69,263.00
18 Details of equity share capital [Abstract]
Paid-up equity share capital 1,94,271.00 1,94,271.00
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) 4,87,296.00
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 19.700 19.700
Additional Tier 1 ratio 1.4400 1.4400
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 1.45 3.57
Diluted earnings per share before extraordinary items 1.43 3.51
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 1.45 3.57
Diluted earnings per share after extraordinary items 1.43 3.51
(iv) NPA Ratios
Amount of gross non-performing assets 91,671.00 91,671.00
Amount of net non-performing assets 17,044.00 17,044.00
% of gross NPAs 2.2600 2.2600
% of net NPAs 0.4300 0.4300
Return on assets 0.5100 1.3700
21 Disclosure of notes on financial results by banks


Statement of Asset and Liabilities

Amount in (Lakhs)

Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-04-2025
Date of end of reporting period 31-03-2026
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Standalone
1 Capital and liabilities
Capital 1,94,271.00
Reserves and surplus 4,87,297.00
Deposits 45,66,833.00
Borrowings 3,73,601.00
Other liabilities and provisions
1 Other liabilities and provisions 1,32,119.00
Total of Other liabilities and provisions 1,32,119.00
Total Capital Liabilities 57,54,121.00
2 ASSETS
Cash and Balances with Reserve Bank of India 3,10,967.00
Balances with Banks and money at call and short notice 33,400.00
Investments 12,72,425.00
Advances 39,76,055.00
Fixed Assets 49,307.00
Other Assets
1 Other Assets 1,11,967.00
Total of Other Assets 1,11,967.00
Total Assets 57,54,121.00
Disclosure of notes on assets and liabilities


Text Block

Textual Information(1)


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 01-01-2026 01-04-2025
Date of end of reporting period 31-03-2026 31-03-2026
Whether results are audited or unaudited Audited Audited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury 21,722.57 93,607.87
2 Retail banking 1,90,932.00 6,87,696.47
3 Wholesale banking 5,851.25 22,592.81
Total Segment Revenue 2,18,505.82 8,03,897.15
Less: Inter segment revenue
Income from operations 2,18,505.82 8,03,897.15
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 1,200.20 12,839.17
2 Retail banking 32,758.72 71,258.56
3 Wholesale banking 4,522.20 12,541.00
Total Profit before tax 38,481.12 96,638.73
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income 1,406.20 5,536.26
Profit before tax 37,074.92 91,102.47
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 16,12,760.55 16,12,760.55
2 Retail banking 38,16,586.10 38,16,586.10
3 Wholesale banking 2,98,888.34 2,98,888.34
Total Segment Assets 57,28,234.99 57,28,234.99
Un-allocable Assets 25,886.00 25,886.00
Net Segment Assets 57,54,120.99 57,54,120.99
4 Segment Liabilities
Segment Liabilities
1 Treasury 14,21,731.28 14,21,731.28
2 Retail banking 33,64,516.72 33,64,516.72
3 Wholesale banking 2,63,485.43 2,63,485.43
Total Segment Liabilities 50,49,733.43 50,49,733.43
Un-allocable Liabilities 22,820.00 22,820.00
Net Segment Liabilities 50,72,553.43 50,72,553.43
Disclosure of notes on segments




Cash Flow Statement, Indirect

Amount in (Lakhs)

Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-04-2025
B Date of end of reporting period 31-03-2026
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Standalone
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax 91,103.00
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 0.00
Adjustments for depreciation and amortisation expense 18,017.00
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 0.00
Adjustments for unrealised foreign exchange losses gains 0.00
Adjustments for dividend income 0.00
Adjustments for share-based payments 1,905.00
Other adjustments for which cash effects are investing or financing cash flow (3,969.00)
Other adjustments to reconcile profit (loss) 103.88
Other adjustments for non-cash items 79,889.00
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0.00
Total adjustments to profit (loss) 95,945.88
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0.00
Adjustments for decrease (increase) in trade receivables (7,82,214.00)
Adjustments for decrease (increase) in other current assets (7,795.00)
Adjustments for increase (decrease) in trade payables 8,03,785.00
Adjustments for increase (decrease) in other current liabilities 15,261.00
Adjustments for provisions 0.00
Total adjustments for working capital 29,037.00
Total adjustments for reconcile profit (loss) 1,24,982.88
Net cash flows from (used in) operations 2,16,085.88
Dividends received 0.00
Interest paid 0.00
Interest received 0.00
Income taxes paid (refund) 31,766.00
Other inflows (outflows) of cash 0.00
Net cash flows from (used in) operating activities before extraordinary items 1,84,319.88
Proceeds from extraordinary items 0.00
Payment for extraordinary items 0.00
Net cash flows from (used in) operating activities 1,84,319.88
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0.00
Cash flows used in obtaining control of subsidiaries or other businesses 0.00
Other cash receipts from sales of equity or debt instruments of other entities 0.00
Other cash payments to acquire equity or debt instruments of other entities 2,29,883.00
Other cash receipts from sales of interests in joint ventures 0.00
Other cash payments to acquire interests in joint ventures 0.00
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0.00
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0.00
Proceeds from sales of tangible assets 174.00
Purchase of tangible assets 18,358.00
Proceeds from sales of intangible assets 0.00
Purchase of intangible assets 0.00
Cash advances and loans made to other parties 0.00
Cash receipts from repayment of advances and loans made to other parties 0.00
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0.00
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0.00
Dividends received 0.00
Interest received 0.00
Income taxes paid (refund) 0.00
Other inflows (outflows) of cash 0.00
Proceeds from government grants 0.00
Net cash flows from (used in) investing activities before extraordinary items (2,48,067.00)
Proceeds from extraordinary items 0.00
Payment for extraordinary items 0.00
Net cash flows from (used in) investing activities (2,48,067.00)
5 Cash flows from used in financing activities
Proceeds from issuing shares 2,070.00
Proceeds from issuing other equity instruments 0.00
Proceeds from issuing debentures notes bonds etc 0.00
Proceeds from borrowings 89,065.00
Repayments of borrowings 0.00
Dividends paid 0.00
Interest paid 0.00
Income taxes paid (refund) 0.00
Other inflows (outflows) of cash 0.00
Net cash flows from (used in) financing activities before extraordinary items 91,135.00
Proceeds from extraordinary items 0.00
Payment for extraordinary items 0.00
Net cash flows from (used in) financing activities 91,135.00
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 27,387.88
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0.00
Net increase (decrease) in cash and cash equivalents 27,387.88
Cash and cash equivalents cash flow statement at beginning of period 3,15,697.00
Cash and cash equivalents cash flow statement at end of period 3,43,084.88


Details of Impact of Audit Qualification

Amount in (Lakhs)

Whether results are audited or unaudited Audited
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


Amount in (Lakhs)

Format for Disclosure of Related Party Transactions (applicable only for half-yearly filings i.e., 2nd and 4th quarter)

Sr No. Additional disclosure of related party transactions - applicable only in case the related party transaction relates to loans, inter-corporate deposits, advances or investments made or given by the listed entity/subsidiary. These details need to be disclosed only once, during the reporting period when such transaction was undertaken.
Details of the party (listed entity /subsidiary) entering into the transaction Details of the counterparty Type of related party transaction Details of other related party transaction Value of the related party transaction as approved by the audit committee Remarks on approval by audit committee Value of the related party transaction ratified by the audit committee Date of Audit Committee Meeting where the ratification was approved Value of transaction during the reporting period In case monies are due to either party as a result of the transaction In case any financial indebtedness is incurred to make or give loans, inter-corporate deposits, advances or investments Details of the loans, inter-corporate deposits, advances or investments Notes
Name PAN Name PAN Relationship of the counterparty with the listed entity or its subsidiary Opening balance Closing balance Nature of indebtedness (loan/ issuance of debt/ any other etc.) Details of other indebtedness Cost Tenure Nature (loan/ advance/ intercorporate deposit/ investment ) Interest Rate (%) Tenure Secured/ unsecured Purpose for which the funds will be utilised by the ultimate recipient of funds (endusage)
1 Ujjivan Small Finance Bank Ltd. Sanjeev Nautiyal Key Management Personnel Any other transaction Deposits with the Bank including the interest earned on such deposits Value is dependent on the counterparty 30.60 19.02 30.60
2 Ujjivan Small Finance Bank Ltd. Sanjeev Barnwal Key Management Personnel Any other transaction Deposits with the Bank including the interest earned on such deposits Value is dependent on the counterparty 4.67 12.76 4.67
3 Ujjivan Small Finance Bank Ltd. Carol Furtado Key Management Personnel Any other transaction Deposits with the Bank including the interest earned on such deposits Value is dependent on the counterparty 340.95 332.88 340.95
4 Ujjivan Small Finance Bank Ltd. SADANANDA BALAKRISHNA KAMATH Key Management Personnel Any other transaction Deposits with the Bank including the interest earned on such deposits Value is dependent on the counterparty 7.94 5.42 7.94
5 Ujjivan Small Finance Bank Ltd. Sanjeev Nautiyal Key Management Personnel Remuneration As per the Bank Policy and agreed remuneration 108.03 0.00 0.00
6 Ujjivan Small Finance Bank Ltd. Carol Furtado Key Management Personnel Remuneration As per the Bank Policy and agreed remuneration 81.79 0.00 0.00
7 Ujjivan Small Finance Bank Ltd. SADANANDA BALAKRISHNA KAMATH Key Management Personnel Remuneration As per the Bank Policy and agreed remuneration 103.67 0.00 0.00
8 Ujjivan Small Finance Bank Ltd. Sanjeev Barnwal Key Management Personnel Remuneration As per the Bank Policy and agreed remuneration 75.85 0.00 0.00
9 Ujjivan Small Finance Bank Ltd. ANIRUDDHA PAUL Directors Any other transaction Sitting Fees paid As per the approval of the NRC / Board 4.00 0.00 0.00
10 Ujjivan Small Finance Bank Ltd. Banavar Anantharamaiah Prabhakar Directors Any other transaction Sitting Fees paid As per the approval of the NRC / Board 21.00 0.00 0.00
11 Ujjivan Small Finance Bank Ltd. Rajesh Kumar Jogi Directors Any other transaction Sitting Fees paid As per the approval of the NRC / Board 17.75 0.00 0.00
12 Ujjivan Small Finance Bank Ltd. Rajni Mishra Directors Any other transaction Sitting Fees paid As per the approval of the NRC / Board 22.00 0.00 0.00
13 Ujjivan Small Finance Bank Ltd. Ravichandran Venkataraman Directors Any other transaction Sitting Fees paid As per the approval of the NRC / Board 18.00 0.00 0.00
14 Ujjivan Small Finance Bank Ltd. Mona Kachwahha Directors Any other transaction Sitting Fees paid As per the approval of the NRC / Board 12.75 0.00 0.00
15 Ujjivan Small Finance Bank Ltd. Sudha suresh Directors Any other transaction Sitting Fees paid As per the approval of the NRC / Board 18.00 0.00 0.00
16 Ujjivan Small Finance Bank Ltd. Sudha suresh Directors Any other transaction Deposits with the Bank including the interest earned on such deposits Value is dependent on the counterparty 34.29 30.75 34.29
17 Ujjivan Small Finance Bank Ltd. Rajni Mishra Directors Any other transaction Deposits with the Bank including the interest earned on such deposits Value is dependent on the counterparty 91.76 77.46 91.76
18 Ujjivan Small Finance Bank Ltd. Mona Kachwahha Directors Any other transaction Deposits with the Bank including the interest earned on such deposits Value is dependent on the counterparty 154.41 157.79 154.41
19 Ujjivan Small Finance Bank Ltd. RAJESH KUMAR JOGI Directors Any other transaction Reimbursement expense paid Value is dependent on the counterparty 0.00 0.00 0.00
20 Ujjivan Small Finance Bank Ltd. Parinaam Foundation Enterprise in which Directors/KMP are Directors Any other transaction Deposits with the Bank including the interest earned on such deposits Value is dependent on the counterparty 959.18 986.43 959.18
21 Ujjivan Small Finance Bank Ltd. Parinaam Foundation Enterprise in which Directors/KMP are Directors Any other transaction CSR Contribution As per approval of the CSR Committee 6.30 0.00 0.00
22 Ujjivan Small Finance Bank Ltd. Parinaam Foundation Enterprise in which Directors/KMP are Directors Any other transaction Receiving of services As per the executed agreement between Parinaam Foundation and the Bank on receipt of approval from the ACB / Board 41.60 0.00 13.87
23 Ujjivan Small Finance Bank Ltd. Ujjivan Welfare & Relief Trust Enterprise in which Key Management Personnel are members Any other transaction Inter Company Transfer - Amount Paid Value is dependent on the counterparty 9.63 0.00 0.00
24 Ujjivan Small Finance Bank Ltd. Ujjivan Welfare & Relief Trust Enterprise in which Key Management Personnel are members Any other transaction Donation As agreed, the Bank matches the contribution made by its employees 38.49 0.00 0.00
25 Ujjivan Small Finance Bank Ltd. Ujjivan Welfare & Relief Trust Enterprise in which Key Management Personnel are members Any other transaction Deposits with the Bank including the interest earned on such deposits Value is dependent on the counterparty 177.20 120.50 177.20
26 Ujjivan Small Finance Bank Ltd. Priyanka Barnwal Relatives of Key Management Personnel Any other transaction Deposits with the Bank including the interest earned on such deposits Value is dependent on the counterparty 5.11 5.18 5.11
27 Ujjivan Small Finance Bank Ltd. Irija M Furtado Relatives of Key Management Personnel Any other transaction Deposits with the Bank including the interest earned on such deposits Value is dependent on the counterparty 100.85 99.86 100.85
28 Ujjivan Small Finance Bank Ltd. USFB Employee's Grautity Trust USFBL EMPLOYEES GRATUITY FUND TRUST Any other transaction Deposits with the Bank including the interest earned on such deposits Value is dependent on the counterparty 11.61 12.30 11.61
29 Ujjivan Small Finance Bank Ltd. Banavar Anantharamaiah Prabhakar Directors Any other transaction Deposits with the Bank including the interest earned on such deposits Value is dependent on the counterparty 2.48 0.00 2.48
30 Ujjivan Small Finance Bank Ltd. ANIRUDDHA PAUL Directors Any other transaction Deposits with the Bank including the interest earned on such deposits Value is dependent on the counterparty 3.47 0.00 3.47
Total value of transaction during the reporting period 2,503.38