Ujjivan SFB Q2FY27 Investor Presentation: Deposits Cross ₹50,000 Cr, PAT ₹365 Cr
Ujjivan Small Finance Bank's Q2FY27 investor presentation reveals deposits exceeding ₹50,000 Cr. Advances grew 32.1% YoY to ₹45,699 Cr. Net Interest Income rose 35% YoY to ₹1,244 Cr. Profit After Tax surged 200% YoY to ₹365 Cr. CRAR increased to 20.69%.
The substantial increase in key financial metrics like deposits, advances, NII, and PAT, along with the achievement of a significant deposit milestone, will have a high impact on investor perception and the bank's market standing.
The announcement details significant growth in deposits and advances, strong YoY growth in NII and PAT, and an improved CRAR, indicating a positive financial performance.
Ujjivan Small Finance Bank Limited (USFB) has released its investor presentation for the quarter and half-year ended September 30, 2026. The bank reported a significant milestone with its deposits crossing ₹50,000 crore for the first time, reaching ₹50,643 crore, marking a 29.2% year-on-year growth.
The bank maintained a calibrated deposit growth strategy, keeping the Cost of Funds at 6.9% and CASA ratio at 26.0%. USFB also introduced the ASBA facility for its customers.
In terms of advances, the bank achieved its highest quarterly disbursement at ₹10,495 crore, with advances growing by 32.1% year-on-year. The share of secured advances increased to 52%. The Net Interest Income (NII) saw a robust growth of 35% year-on-year, reaching ₹1,244 crore.
Key financial highlights for Q2FY27 include a Net Interest Margin (NIM) of 8.4%, a Credit Cost of 0.7% of ATA, and a Profit Before Provision (PPoP) of ₹594 crore, up 50% year-on-year. The bank reported a Return on Assets (RoA) of 2.4% and a Return on Equity (RoE) of 19.7%. Profit After Tax (PAT) reached ₹365 crore, a 200% increase year-on-year.
The bank's Capital Adequacy Ratio (CRAR) increased by 33 basis points to 20.69% due to capital optimization and robust profitability. USFB also expanded its reach by adding over 100 branches in H1FY27, bringing its total presence to 880 branches.
Notably, Mr. Nautiyal decided to take early retirement due to health reasons, and the NRC is actively engaged in the process of submitting an MD candidate to the regulator. The bank also approved a preferential allotment of ₹409 crore, subject to shareholder approval.
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See the model portfoliosA plain-language summary of a public exchange filing by Ujjivan Small Finance Bank Limited. Read the original for the full detail.