Ujjivan Small Finance Bank reported a net profit of ₹103 crore for Q1FY26, marking a 24% quarter-on-quarter rise, driven by strong secured loan growth and stable asset quality. The bank’s gross loan book stood at ₹33,287 crore, up 11% year-on-year, with secured loans growing 63% YoY to ₹15,162 crore—constituting 46% of the total book. Total disbursements for the quarter reached ₹6,539 crore, up 24% YoY, while deposits grew to ₹38,619 crore, reflecting a 19% annual growth. CASA deposits rose 13% YoY to ₹9,381 crore. The bank’s RoA and RoE improved to 0.8% and 6.7% respectively.
Collection efficiency remained high at 99.3%, with GNPA at 2.5% and NNPA at 0.7%. The provision coverage ratio was reported at 73%.
In Agartala, Ujjivan SFB’s secured lending—especially in micro mortgages and vehicle loans—has gained traction, supported by strong demand in local MSME and retail sectors. Customers transitioning from group to individual loans have increased, indicating a maturing borrower base. Retail deposits in the region have also contributed steadily to CASA growth, as customer confidence in digital and doorstep banking services improves. The bank maintains a strong capital adequacy ratio of 22.8% and expects to grow advances by 20% in FY26.
