UJJIVANSFBNSEQ1FY26July 24, 2025

Ujjivan Small Finance Bank Limited

8,790words
17turns
0analyst exchanges
0executives
Key numbers — 40 extracted
rs,
atement. Important factors that could cause actual results to differ materially include, among others, future changes or developments in the Bank’s business, its competitive environment and political, e
₹ 33,287
or based on Management estimates. 2 KEY HIGHLIGHTS – Q1FY26 Gross Loan Book Secured Loan Book ₹ 33,287 Cr Up 11% YoY Jun’24: ₹30,069 Cr ₹ 15,162 Cr Up 61% YoY Jun’24: ₹9,417 Cr GNPA / NNPA 2.5% / 0
11%
agement estimates. 2 KEY HIGHLIGHTS – Q1FY26 Gross Loan Book Secured Loan Book ₹ 33,287 Cr Up 11% YoY Jun’24: ₹30,069 Cr ₹ 15,162 Cr Up 61% YoY Jun’24: ₹9,417 Cr GNPA / NNPA 2.5% / 0.7% Up 19
₹30,069
. 2 KEY HIGHLIGHTS – Q1FY26 Gross Loan Book Secured Loan Book ₹ 33,287 Cr Up 11% YoY Jun’24: ₹30,069 Cr ₹ 15,162 Cr Up 61% YoY Jun’24: ₹9,417 Cr GNPA / NNPA 2.5% / 0.7% Up 19 bps /Up 32 bps YoY Ju
₹ 15,162
GHLIGHTS – Q1FY26 Gross Loan Book Secured Loan Book ₹ 33,287 Cr Up 11% YoY Jun’24: ₹30,069 Cr ₹ 15,162 Cr Up 61% YoY Jun’24: ₹9,417 Cr GNPA / NNPA 2.5% / 0.7% Up 19 bps /Up 32 bps YoY Jun’24: 2.3% /
61%
6 Gross Loan Book Secured Loan Book ₹ 33,287 Cr Up 11% YoY Jun’24: ₹30,069 Cr ₹ 15,162 Cr Up 61% YoY Jun’24: ₹9,417 Cr GNPA / NNPA 2.5% / 0.7% Up 19 bps /Up 32 bps YoY Jun’24: 2.3% / 0.4% Tota
₹9,417
ok Secured Loan Book ₹ 33,287 Cr Up 11% YoY Jun’24: ₹30,069 Cr ₹ 15,162 Cr Up 61% YoY Jun’24: ₹9,417 Cr GNPA / NNPA 2.5% / 0.7% Up 19 bps /Up 32 bps YoY Jun’24: 2.3% / 0.4% Total Deposits ₹ 38,619
2.5%
33,287 Cr Up 11% YoY Jun’24: ₹30,069 Cr ₹ 15,162 Cr Up 61% YoY Jun’24: ₹9,417 Cr GNPA / NNPA 2.5% / 0.7% Up 19 bps /Up 32 bps YoY Jun’24: 2.3% / 0.4% Total Deposits ₹ 38,619 Cr Up 19% YoY Jun’2
0.7%
Cr Up 11% YoY Jun’24: ₹30,069 Cr ₹ 15,162 Cr Up 61% YoY Jun’24: ₹9,417 Cr GNPA / NNPA 2.5% / 0.7% Up 19 bps /Up 32 bps YoY Jun’24: 2.3% / 0.4% Total Deposits ₹ 38,619 Cr Up 19% YoY Jun’24: ₹32,
19 bps
1% YoY Jun’24: ₹30,069 Cr ₹ 15,162 Cr Up 61% YoY Jun’24: ₹9,417 Cr GNPA / NNPA 2.5% / 0.7% Up 19 bps /Up 32 bps YoY Jun’24: 2.3% / 0.4% Total Deposits ₹ 38,619 Cr Up 19% YoY Jun’24: ₹32,514 Cr Ret
32 bps
’24: ₹30,069 Cr ₹ 15,162 Cr Up 61% YoY Jun’24: ₹9,417 Cr GNPA / NNPA 2.5% / 0.7% Up 19 bps /Up 32 bps YoY Jun’24: 2.3% / 0.4% Total Deposits ₹ 38,619 Cr Up 19% YoY Jun’24: ₹32,514 Cr Retail TD*+ CA
2.3%
15,162 Cr Up 61% YoY Jun’24: ₹9,417 Cr GNPA / NNPA 2.5% / 0.7% Up 19 bps /Up 32 bps YoY Jun’24: 2.3% / 0.4% Total Deposits ₹ 38,619 Cr Up 19% YoY Jun’24: ₹32,514 Cr Retail TD*+ CASA Collection E
Guidance — 5 items
Floating Provision
opening
“• Created in Q1 FY22 of amount ₹250 Cr which could be utilized for making specific provisions in extraordinary circumstances, as per RBI guidelines • For FY 22, ₹250 Cr was earmarked towards NNPA / PCR calculation • During Q1 FY23, Bank had earmarked ₹220 Cr for NNPA / PCR calculation and ₹30 Cr as part of Tier II capital • During Q4 FY25, Bank utilized Rs.”
Floating Provision
opening
“1 9 FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 % CAGR in % FY21 FY23 * Includes: ‘Only Deposits Accounts’ and ‘both Asset and Deposit accounts’ FY25 FY22 FY24 55 PERFORMANCE TRACK RECORD (2/4) Gross Loan Book (₹ in Crore) Disbursement (₹ in Crore) Asset Customer* (Nos in Lakh) 0 8 7 , 9 2 2 2 1 , 2 3 5 8 0 , 4 2 0 4 1 , 5 1 2 6 1 , 8 1 7 3 0 , 0 2 3 1 1 , 4 1 7 9 3 , 8 9 8 3 , 3 2 4 6 4 , 3 2 1 .”
Floating Provision
opening
“0 2 FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 Covid Effect 1 .”
Average ROA
opening
“1.4% 3.9% 3.5% 1.6% 0.04% FY21 FY22 -1.9% FY23 FY24 FY25 CRAR (%) EPS (in ₹) Cross Cycle ROE (%) 26.4% 19.0% 25.8% 24.7% 23.1% 2 8 .”
Average ROA
opening
“3 0.05 -2.40 FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 Covid Effect”
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Risks & concerns — 2 flagged
• • Cross sell : 25% Entire portfolio is secured with Agri Collateral (~60%) / Non-Agri Collateral (~40%) Enablers • Branch based sourcing • Customized approach to cater to upstream and downstream Agri Community 18 Asset Quality HEALTHY COLLECTIONS DESPITE STRESS Coll.
— Sourcing
Transitioning from traditional credit underwriting to scorecard driven model with pricing optimization Smarter signals and safer bank Strengthening EWS across credit risk and AML to proactively mitigate portfolio losses and detect money mule activity by triangulating internal and external data.
— Floating Provision
Speaking time
Target Segment
3
Sourcing
3
Geographical Presence
2
Enablers
2
Products
2
Product
1
Floating Provision
1
Average ROA
1
Average ROE
1
For Investor Queries
1
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Opening remarks
Geographical Presence
• 254 Branches across 10 States with major business coming from East at 50% Is through tie ups with Dealer Network
Enablers
Scorecard based quick decisioning • Integrated LOS with rule engine • • Curated dealer Loyalty Program
Geographical Presence
• 280 branches with 50% of business contributed Geographical presence • 291 branches across 10 States by South
Enablers
• Geographical presence in North and East regions • Affluent segment product offerings • Mobility Solution enabling digital customer onboarding Sales team: 75%
Sourcing
• • Cross sell : 25% Entire portfolio is secured with Agri Collateral (~60%) / Non-Agri Collateral (~40%) Enablers • Branch based sourcing • Customized approach to cater to upstream and downstream Agri Community 18 Asset Quality HEALTHY COLLECTIONS DESPITE STRESS Coll. Eff.% (Upto 1 EMI) Coll. Eff.% (Upto 1 EMI+OD) Cashless MB collections 97.9% 97.8% 97.4% 97.2% 97.1% 97.0% 97.0% 96.5% 96.4% 96.5% 97.1% 96.7% 96.7% 97.0% 96.7% 96.5% 96.4% 96.4% 95.8% 95.9% 96.3% 96.4% 95.9% 96.1% 95.9% 96.0% 39% 39% 38% 42% 40% Jun'24 Jul'24 Aug'24 Sep'24 Oct'24 Nov'24 Dec'24 Jan'25 Feb'25 Mar'25 Apr'25 May'25 Jun'25 Well Calibrated Collections Team (Nos) Total Off Roll Total On Roll 2,621 830 2,445 2,307 808 776 2,114 2,038 2,018 1,964 1,974 1,876 1,889 577 508 799 748 710 685 672 1,791 1,637 1,531 1,537 1,530 1,219 1,216 1,264 1,191 1,217 2,780 772 2,568 750 2,223 697 1,818 2,008 1,526 3,222 808 2,414 Mar'22 Jun'22 Sep'22 Dec'22 Mar'23 Jun'23 Sep'23 Dec'23 Mar'24 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Q1
Floating Provision
• Created in Q1 FY22 of amount ₹250 Cr which could be utilized for making specific provisions in extraordinary circumstances, as per RBI guidelines • For FY 22, ₹250 Cr was earmarked towards NNPA / PCR calculation • During Q1 FY23, Bank had earmarked ₹220 Cr for NNPA / PCR calculation and ₹30 Cr as part of Tier II capital • During Q4 FY25, Bank utilized Rs. 69 Cr of Floating Provision towards adjustment of shortfall on transfer of stressed loan to ARC, as per RBI guidelines • Earmark continues for amounts of ₹130 Cr for NNPA / PCR calculation, ₹30 Cr as part of Tier II capital • The balance ₹21 Cr has been earmarked as part of other provisions 35 Ujjivan – Platform for growth For more details uploaded on our website www.ujjivansfb.in Macro SERVING CUSTOMERS THROUGH MULTIPLE CHANNELS Retail Mobile / Internet Banking • Available in 9 Languages (including English) • Easy access to multiple relationships with one app • Multiple payments modes: NEFT, RTGS, IMPS & Internal fund transfers • V
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