5429042026-04-012026-06-305429042026-06-305429042026-04-012026-06-30in-capmkt:OtherOperatingExpenses1Member5429042026-04-012026-06-30in-capmkt:ReportableSegments1Member5429042026-04-012026-06-30in-capmkt:ReportableSegments2Member5429042026-04-012026-06-30in-capmkt:ReportableSegments3Member5429042026-04-012026-06-30in-capmkt:ReportableSegments1Member5429042026-04-012026-06-30in-capmkt:ReportableSegments2Member5429042026-04-012026-06-30in-capmkt:ReportableSegments3Member5429042026-04-012026-06-30in-capmkt:ReportableSegments1Member5429042026-06-30in-capmkt:ReportableSegments1Member5429042026-04-012026-06-30in-capmkt:ReportableSegments2Member5429042026-06-30in-capmkt:ReportableSegments2Member5429042026-04-012026-06-30in-capmkt:ReportableSegments3Member5429042026-06-30in-capmkt:ReportableSegments3Member5429042026-04-012026-06-30in-capmkt:ReportableSegments1Member5429042026-06-30in-capmkt:ReportableSegments1Member5429042026-04-012026-06-30in-capmkt:ReportableSegments2Member5429042026-06-30in-capmkt:ReportableSegments2Member5429042026-04-012026-06-30in-capmkt:ReportableSegments3Member5429042026-06-30in-capmkt:ReportableSegments3Member5429042026-04-012026-06-30AuditorDomain15429042026-04-012026-06-30AuditorDomain2iso4217:INRxbrli:pureiso4217:INRxbrli:shares542904UJJIVANSFBNAINE551W01018UJJIVAN SMALL FINANCE BANK LIMITEDEquity2026-04-012027-03-312026-07-232026-07-03INRLakhsQuarterlyFirst quarterMulti segment2026-07-2311:00:002026-07-2312:40:00Declaration of unmodified opinionfalsefalseNA2026-04-012026-06-30UnauditedStandalone179211080002221713000890050001740000020249226000256006300022809289000837569000050356010003917371000895297200017328662000548062700012731940000420743300010420310003165402000031654020003165402000194525580001000.191601.631.61.631.6923647400014165860000.02160.00340.00531) The above financial results were reviewed by the Audit Committee and approved by the Board of Directors at their respective meetings held on July 23, 2026. The financial results for the quarter ended June 30, 2026, were subjected to a limited review by the Joint Statutory Auditors (Deloitte Haskins & Sells, Chartered Accountants and Abarna & Ananthan, Chartered Accountants) who have issued an unmodified report thereon. <br /> 2) The Bank has applied its significant accounting policies in the preparation of these financial results consistent with those followed in the annual financial statement for the year ended March 31, 2026. <br /> 3) The above financial results have been prepared in accordance with the recognition and measurement principles laid down in the applicable Accounting Standard (“Accounting standards”) prescribed under Section 133 of the Companies Act, 2013 (the “Act”), in so far as they apply to the Banks, the relevant provisions of the Banking Regulation Act, 1949 and the circulars, the guidelines and directions issued by the Reserve Bank of India (“RBI”) from time to time (the “RBI Regulations”) and other accounting principles generally accepted in India and the requirements of Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. <br /> <br /> 4) The figures of quarter ended March 31, 2026 are the balancing figures between audited figures in respect of the full financial year ended March 31, 2026 and the unaudited published year to date figures up to nine months ended December 31, 2025, which was subjected to a limited review. <br /> <br /> 5) As at June 30, 2026, the Bank has granted 17,41,62,461 options under the approved Employee Stock Option Plan (ESOP) 2019. Out of the same, 5,85,71,889 options was cancelled, 18,04,370 options had lapsed, 1,87,20,557 options was exercised, 5,02,19,303 options had vested and are yet to be exercised and 4,48,46,342 options remains unvested. <br /> During the quarter ended June 30, 2026, the Bank has allotted 25,41,377 equity shares pursuant to the exercise of stock options under the approved Employee Stock Option Plan (ESOP) 2019. <br /> <br /> 6) Other income includes processing fees, profit/(loss) on sale of investments, profit/(loss) on revaluation of investments, non-fund based income such as commission earned from guarantees, selling of third party products, recovery from loans written off, income from dealing in PSLC, foreign exchange income etc. <br /> <br /> 7) The Capital Adequacy Ratio ("CAR") has been computed as per RBI Circular No.RBI/DOR/2025-26/182DOR.CAP.REC.101/21-01-002/2025-26 (Reserve Bank of India (Small Finance Banks – Prudential Norms on Capital Adequacy) Directions, 2025) dated November 28, 2025 as amended from time to time. <br /> 8) As at June 30, 2026 the Bank carries a floating provision of Rs. 18,067 lakh, of which Rs. 13,000 lakh is used for calculation of net NPA and provision coverage ratio. Also, Rs. 3,000 lakh is considered as Tier II capital and Rs. 2,067 lakh is unutilized. Had the Bank reckoned the remaining Rs. 2,067 lakh for calculating the Net NPA, the Net NPA would be 0.29% and the Provision Coverage Ratio would increase from 84.66% to 86.90% as at June 30, 2026. <br /> 9) Details of loans not in default and stressed loans acquired and transferred during the quarter ended June 30, 2026 as per the Master Direction RBI (Small Finance Banks – Transfer and Distribution of Credit Risk) Directions, 2025, dated November 28, 2025 and as amended from time to time, are given below: <br /> a) During the quarter ended June 30, 2026, the Bank has not acquired / transferred any "Loans not in default" through assignment of Loans. <br /> b) During the quarter ended June 30, 2026, the Bank has not acquired / transferred any Stressed Loans (Non Performing Asset and Special mention account). <br /> c) Details of Security Receipts (SRs) outstanding as on June 30, 2026 are given below: <br /> (Rs. in Lakh) <br /> Ratings Rating agency Recovery Rating Gross Value of Outstanding SRs* <br /> RR1 India Ratings 150% 227 <br /> Total 227 <br /> * The same has been fully provided for in the books. <br /> <br /> 10) As per the Master Direction RBI (Small Finance Banks - Financial Statements: Presentation and Disclosures) Directions, 2025, dated November 28, 2025 as amended from time to time, for the purpose of disclosure under Accounting Standard 17, Segment reporting, 'Digital Banking' has been identified as a sub-segment under Retail Banking by Reserve Bank of India (RBI). However, as the proposed Digital Banking Unit (DBU) of the Bank has not yet formulated and having regard to the discussions of the DBU Working Group formed by Indian Banks' Association (IBA) (which include representatives of the Bank and the RBI), held on July 14, 2022, reporting of Digital Banking as a separate sub-segment of Retail Banking Segment will be implemented by the Bank based on the decision of the DBU Working Group. <br /> <br /> 11) The Bank does not have any exposure to Project Finance, hence the disclosure as per 'Reserve Bank of India (Small Finance Banks - Financial Statements: Presentation and Disclosures) Directions, 2025' dated November 28, 2025 and as amended from time to time, on Project Finance is not applicable for the quarter ended June 30, 2026. <br /> 12) Figures of the previous periods/year have been regrouped / reclassified, wherever considered necessary to conform to the current year's presentation. <br /> Others3917371000Treasury2373679000Retail banking19800973000Wholesale banking6346090002280926100022809261000Treasury165594000Retail banking4137774000Wholesale banking68381000437174900001643900004207359000Treasury169334823000Retail banking402045074000Wholesale banking326552560006040351530002537000000606572153000Treasury149390426000Retail banking354691868000Wholesale banking288091000005328913940002238224000535129618000Business Segments have been identified and reported taking into account the target customer profile, the nature of products and services, the differing risks and returns, the organisation structure and guidelines prescribed by the RBI and in compliance with the Accounting Standard 17 - "Segment Reporting". The business operations of the Bank are in India and for the purpose of segment reporting as per Accounting Standard-17 (Segment reporting) the Bank is considered to operate only in domestic segment. <br /> A) Treasury: The Treasury Segment primarily consists of net interest earnings from the Bank’s Investment portfolio, money market borrowing and lending, gains or losses on Investment operations/ foreign exchange trading and a portion of income/loss from sale/purchase of Priority Sector Lending Certificates ("PSLC"). <br /> B) Retail Banking: The Retail Banking Segment serves retail customers through a branch network and other delivery channels. Retail Banking includes lending to and deposits from retail customers and identified earnings and expenses of the segment. This segment raises deposits from customers and provides loans and other services to customers. Revenues of the Retail Banking Segment are derived from interest earned on retail loans, processing fees earned, other related incomes and a portion of income/loss from sale/purchase of Priority Sector Lending Certificates ("PSLC"). Expenses of this segment primarily comprises of interest expense on deposits and borrowings, infrastructure and premises expenses for operating the branch network and other delivery channels, personnel costs, other direct overheads and allocated expenses. <br /> <br /> C) Wholesale Banking: The Wholesale Banking Segment provides loans to Corporates and Financial Institutions. Revenues of the Wholesale Banking Segment consist of interest earned on loans made to customers. The principal expenses of the segment consist of interest expense on funds borrowed from external sources and other internal segments, premises expenses, personnel costs, other direct overheads and allocated expenses of delivery channels, specialist product groups, processing units and support groups. <br /> <br /> UnauditedtrueDeloitte Haskins & Sellstrue2027-03-31Abarna & Ananthantrue2028-09-30