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-Apr-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 30-Apr-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 26-Mar-2025
Description of presentation currency INR (in Actuals)
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 30-Apr-2025   11:15:00
End date and time of board meeting 30-Apr-2025   13:15:00
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 2025-04-09
Indicate Company website link for updated RPT policy of the Company https://www.ujjivansfb.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
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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
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 13596165000 55257043000
Income on investments 2086995000 8058277000
Interest on balances with reserve bank of India and other inter bank funds 25525000 109584000
Others 24900000 118992000
Total interest earned 15733585000 63543896000
2 Other income 2696900000 8461974000
3 Total income 18430485000 72005870000
Expenses
4 Interest expenses 7090503000 27181225000
5 Operating expenses
(i) Employees cost 4196087000 14994926000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other operating expenses 3546300000 12937453000
Total other operating Expenses 3546300000 12937453000
Total Operating Expenses 7742387000 27932379000
6 Total expenditure excluding provisions and contingencies 14832890000 55113604000
7 Operating profit before provision and contingencies 3597595000 16892266000
8 Provisions other than tax and contingencies 2645004000 7476585000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 952591000 9415681000
11 Provision for Tax 118741000 2154650000
12 Net profit (loss) from ordinary activities after tax 833850000 7261031000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 833850000 7261031000
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 833850000 7261031000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 19350036000 19350036000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) 41484100000
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 0.21 0.21
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 0.43 3.75
Diluted earnings per share before extraordinary items 0.43 3.71
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 0.43 3.75
Diluted earnings per share after extraordinary items 0.43 3.71
(iv) NPA Ratios
Amount of gross non-performing assets 6958853000 6958853000
Amount of net non-performing assets 1524263000 1524263000
% of gross NPAs 2.18 2.18
% of net NPAs 0.49 0.49
Return on assets 0 0.02
21 Disclosure of notes on financial results by banks


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Standalone
1 Capital and liabilities
Capital 19350036000
Reserves and surplus 41484033000
Deposits 376304842000
Borrowings 28453630000
Other liabilities and provisions 11298974000
Total Capital Liabilities 476891515000
2 ASSETS
Cash and Balances with Reserve Bank of India 31333703000
Balances with Banks and money at call and short notice 364250000
Investments 117299902000
Advances 313900040000
Fixed Assets 4569131000
Other Assets 9424489000
Total Assets 476891515000
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
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-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
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 2371932000 8639312000
2 Retail banking 15507052000 61405555000
3 Wholesale banking 551500000 1961004000
Total Segment Revenue 18430484000 72005871000
Less: Inter segment revenue
Income from operations 18430484000 72005871000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 330467000 739513000
2 Retail banking 453817000 8443677000
3 Wholesale banking 322600000 791305000
Total Profit before tax 1106884000 9974495000
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income 154300000 558825000
Profit before tax 952584000 9415670000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 148254619000 148254619000
2 Retail banking 297994158000 297994158000
3 Wholesale banking 27679694000 27679694000
Total Segment Assets 473928471000 473928471000
Un-allocable Assets 2963000000 2963000000
Net Segment Assets 476891471000 476891471000
4 Segment Liabilities
Segment Liabilities
1 Treasury 129342704000 129342704000
2 Retail banking 259980906000 259980906000
3 Wholesale banking 24148769000 24148769000
Total Segment Liabilities 413472379000 413472379000
Un-allocable Liabilities 2585000000 2585000000
Net Segment Liabilities 413472379000 413472379000
Disclosure of notes on segments




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
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
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 0
Adjustments for depreciation and amortisation expense 1347239000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 0
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 173150000
Other adjustments for which cash effects are investing or financing cash flow 223473000
Other adjustments to reconcile profit (loss) 4849000
Other adjustments for non-cash items 7697314000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 9446025000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables -56098171000
Adjustments for decrease (increase) in other current assets -897271000
Adjustments for increase (decrease) in trade payables 61683250000
Adjustments for increase (decrease) in other current liabilities -683923000
Adjustments for provisions 0
Total adjustments for working capital 4003885000
Total adjustments for reconcile profit (loss) 13449910000
Net cash flows from (used in) operations 22865591000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 2583627000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items 20281964000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 20281964000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 16279820000
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 17502000
Purchase of tangible assets 1672079000
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items -17934397000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities -17934397000
5 Cash flows from used in financing activities
Proceeds from issuing shares 137761000
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 6745502000
Repayments of borrowings 0
Dividends paid 2900752000
Interest paid 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities before extraordinary items 3982511000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities 3982511000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 6330078000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents 6330078000
Cash and cash equivalents cash flow statement at beginning of period 25239622000
Cash and cash equivalents cash flow statement at end of period 31569700000


Details of Impact of Audit Qualification
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-Mar-2027
2 Abarna & Ananthan Yes 30-Sep-2025


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date


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 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 Limited Sadananda Balakrishna Kamath Key Management Personnel Remuneration As per the Bank Policy and agreed remuneration 5478000 0 0
2 Ujjivan Small Finance Bank Limited Sanjeev Nautiyal Key Management Personnel Remuneration As per the Bank Policy and agreed remuneration 10040000 0 0
3 Ujjivan Small Finance Bank Limited Carol Furtado Key Management Personnel Remuneration As per the Bank Policy and agreed remuneration 7693000 0 0
4 Ujjivan Small Finance Bank Limited Ramesh Murthy Key Management Personnel Remuneration As per the Bank Policy and agreed remuneration 1272000 0 0
5 Ujjivan Small Finance Bank Limited Sanjeev Barnwal Key Management Personnel Remuneration As per the Bank Policy and agreed remuneration 6415000 0 0
6 Ujjivan Small Finance Bank Limited Banavar Anantharamaiah Prabhakar Directors Any other transaction Sitting Fee paid As per the approval of the NRC / Board 2480000 0 0
7 Ujjivan Small Finance Bank Limited Rajesh Kumar Jogi Directors Any other transaction Sitting Fee paid As per the approval of the NRC / Board 2207000 0 0
8 Ujjivan Small Finance Bank Limited Rajni Mishra Directors Any other transaction Sitting Fee paid As per the approval of the NRC / Board 2289000 0 0
9 Ujjivan Small Finance Bank Limited Ravichandran Venkataraman Directors Any other transaction Sitting Fee paid As per the approval of the NRC / Board 2316000 0 0
10 Ujjivan Small Finance Bank Limited Samit Kumar Ghosh Directors Any other transaction Sitting Fee paid As per the approval of the NRC / Board 627000 0 0
11 Ujjivan Small Finance Bank Limited Mona Kachwahha Directors Any other transaction Sitting Fee paid As per the approval of the NRC / Board 1744000 0 0
12 Ujjivan Small Finance Bank Limited Sudha suresh Directors Any other transaction Sitting Fee paid As per the approval of the NRC / Board 1662000 0 0
13 Ujjivan Small Finance Bank Limited ANITA RAMACHANDRAN Directors Any other transaction Sitting Fee paid Value is dependent on the counterparty 1090000 0 0
14 Ujjivan Small Finance Bank Limited Parinaam Foundation Enterprise in which relatives of Directors are members Any other transaction CSR Contribution As per approval of the CSR Committee 40000000 0 6936000
15 Ujjivan Small Finance Bank Limited Parinaam Foundation Enterprise in which relatives of Directors are members 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 4429000 0 1476000
16 Ujjivan Small Finance Bank Limited 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 1192000 0 0
17 Ujjivan Small Finance Bank Limited 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 1192000 0 0
18 Ujjivan Small Finance Bank Limited Rajesh Kumar Jogi Directors Any other transaction Reimbursement of Expenses Value is dependent on the counterparty 148000 0 0
19 Ujjivan Small Finance Bank Limited Mona Kachwahha Directors Any other transaction Reimbursement of Expenses Value is dependent on the counterparty 63000 0 0
Total value of transaction during the reporting period 92337000





Format for Disclosing Outstanding Default on Loans and Debt Securities
Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date
B Of the total amount outstanding, amount of default as on date
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date
B Of the total amount outstanding, amount of default as on date
3. Total financial indebtedness of the listed entity including short-term and long-term debt