Ujjivan Small Finance Bank reports profit, stable capital for half-year

Ujjivan Small Finance Bank's board of directors, following a review by the audit committee, approved the unaudited financial results for the quarter and half-year ended September 30, 2025. These results, along with a limited review report, are prepared in accordance with AS 25 and relevant RBI guidelines. For the half-year ended September 30, 2025, the bank reported a total income of INR 3,80,649 Lakh and a net profit of INR 22,494 Lakh. The Capital Adequacy Ratio (CAR) as of September 30, 2025, stood at 21.36%.

The bank's gross NPAs were INR 84,311 Lakh, and net NPAs were INR 22,500 Lakh, resulting in a gross NPA percentage of 2.45% and a net NPA percentage of 0.67%. As of September 30, 2025, total assets amounted to INR 49,61,393 Lakh, with total liabilities at INR 43,29,073 Lakh. Equity shares totaling 21,49,155 were allotted during the half-year ended September 30, 2025, pursuant to the exercise of stock options under the approved Employee Stock Option Plan (ESOP) 2019.

The bank also submitted an application for a universal banking license to the RBI on February 4, 2025, following board approval. Segment reporting indicates that retail banking remains the largest contributor to both segment revenue and assets.