Ujjivan Small Finance Bank (Ujjivan SFB) has reported a strong financial performance for the quarter ended March 31, 2025, with total deposits climbing 19.6% year-on-year (YoY) to ₹37,617 crore. On a sequential basis, deposits rose 9.1%, while the CASA (Current Account Savings Account) balance grew 15.3% YoY to ₹9,611 crore, reflecting improved customer trust and a healthy CASA ratio of 25.6%.
The gross loan book witnessed a 7.9% YoY increase, reaching ₹32,122 crore, driven by robust growth in affordable housing (48.4%), MSME (44.8%), and FIG (60.9%) segments. While micro group loans continued to decline, the bank made significant strides in secured lending, with the secured loan book rising 55.7% YoY to ₹14,002 crore, now accounting for 43.6% of the total portfolio.
Disbursements surged 11.6% YoYto ₹7,455 crore in Q4 FY25, supported by a 316.6% rise in MSME and 94.8% in FIG loans. Asset quality also improved, with Gross NPA reducing to 2.2% and collection efficiency holding steady at 96.9%. In Kolkata, the surge in affordable housing and MSME lending is likely to positively impact the city’s growing base of first-time homebuyers and small businesses. The bank’s strong disbursement in these segments reflects increasing demand in key urban centres, including Kolkata’s dynamic financial ecosystem.
