Mumbai: Ujjivan Small Finance Bank delivered a strong performance in the fourth quarter of FY26, registering significant growth across its loan book, deposits and profitability amid an increasingly competitive banking environment.
The bank’s gross loan book grew 26.6 percent year-on-year to ₹40,655 crore, while quarterly disbursements touched a record ₹9,811 crore. Net profit for the quarter surged 238.2 percent to ₹282 crore, reflecting improved operational efficiency and healthy business expansion.
The bank’s deposits increased 21.4 percent to ₹45,668 crore, with the CASA ratio improving to 28.6 percent. Its secured loan portfolio recorded robust growth of 43.5 percent to ₹20,079 crore and now contributes 49.4 percent of the total loan book. The bank also witnessed strong momentum in newer business segments such as gold loans, vehicle loans and agriculture finance.
Commenting on the performance, Sanjeev Nautiyal said the Indian economy continues to show resilience and is expected to grow steadily in FY27. However, he cautioned that geopolitical tensions, crude oil price fluctuations, supply chain disruptions and adverse weather conditions could pose inflationary risks.
The bank also reported improvement in asset quality, with gross non-performing assets declining to 2.27 percent and net non-performing assets reducing to 0.43 percent as of March 2026.
