Ujjivan Small Finance Bank Ltd Q2 FY2026 net profit up QoQ at Rs. 121.72 crores

Ujjivan Small Finance Bank Limited has reported Standalone financial results for the period ended September 30, 2025.

Financial Results (Q2 FY2026) - QoQ Comparison

The company has reported total income of Rs. 1938.66 crores during the period ended September 30, 2025 as compared to Rs. 1867.83 crores during the period ended June 30, 2025.

The company has posted net profit / (loss) of Rs. 121.72 crores for the period ended September 30, 2025 as against net profit / (loss) of Rs. 103.22 crores for the period ended June 30, 2025.

The company has reported EPS of Rs. 0.62 for the period ended September 30, 2025 as compared to Rs. 0.53 for the period ended June 30, 2025.

Financials	Q2 FY2026	Q1 FY2026	% Change
Total Income	₹1938.66 crs	₹1867.83 crs	3.79%
Net Profit	₹121.72 crs	₹103.22 crs	17.92%
EPS	₹0.62	₹0.53	16.98%

Financial Results (Q2 FY2026) - YoY Comparison

The company has reported total income of Rs.1938.66 crores during the period ended September 30, 2025 as compared to Rs.1820.04 crores during the period ended September 30, 2024.

The company has posted net profit / (loss) of Rs.121.72 crores for the period ended September 30, 2025 as against net profit / (loss) of Rs.233.03 crores for the period ended September 30, 2024.

The company has reported EPS of Rs.0.62 for the period ended September 30, 2025 as compared to Rs.1.19 for the period ended September 30, 2024.

Financials	Q2 FY2026	Q2 FY2025	% Change
Total Income	₹1938.66 crs	₹1820.04 crs	6.52%
Net Profit	₹121.72 crs	₹233.03 crs	-47.77%
EPS	₹0.62	₹1.19	-47.90%

Financial Results (Half Year Ended FY2026) - YoY Comparison

The company has reported total income of Rs.3806.49 crores during the 6 Months period ended September 30, 2025 as compared to Rs.3594.31 crores during the 6 Months period ended September 30, 2024.

The company has posted net profit / (loss) of Rs.224.94 crores for the 6 Months period ended September 30, 2025 as against net profit / (loss) of Rs.534.11 crores for the 6 Months period ended September 30, 2024.

The company has reported EPS of Rs.1.15 for the 6 Months period ended September 30, 2025 as compared to Rs.2.72 for the 6 Months period ended September 30, 2024.

Financials	Half Year Ended FY2026	Half Year Ended FY2025	% Change
Total Income	₹3806.49 crs	₹3594.31 crs	5.90%
Net Profit	₹224.94 crs	₹534.11 crs	-57.89%
EPS	₹1.15	₹2.72	-57.72%

Asset Quality:

Asset Quality	Q2 FY2026	Q1 FY2026	Q2 FY2025
Gross NPA	₹843.11 crs	₹834.35 crs	₹749.96 crs
Gross NPA %	2.45%	2.52%	2.52%
Net NPA	₹225 crs	₹226.12 crs	₹164.08 crs
Net NPA %	0.67%	0.70%	0.56%

Gross NPA was at ₹ 843.11 crs in Q2 FY2026 against ₹ 749.96 crs in Q2 FY2025. The same was at ₹ 834.35 crs in Q1 FY2026.

Net NPA was at ₹ 225 crs in Q2 FY2026 against ₹ 164.08 crs in Q2 FY2025. The same was at ₹ 226.12 crs in Q1 FY2026.

GNPA was at 2.45% of Gross advances as on September 30, 2025 as compared to 2.52% as on September 30, 2024 and 2.52% as of June 30, 2025.

Net NPA was at 0.67% of Gross advances as on September 30, 2025 as compared to 0.56% as on September 30, 2024 and 0.70% as of June 30, 2025.

Ratios	Q2 FY2026	Q1 FY2026	Q2 FY2025
RoA %	0.25%	0.21%	0.55%
CAR (BASEL III) %	21.36%	22.77%	23.38%

Return on Average Assets (RoA) is at 0.25% for Q2 FY2026 against 0.21% in Q1 FY2026 and 0.55% in Q2 FY2025.

In Q2 FY2026, Bank's total Capital Adequacy Ratio (CAR) was at 21.36%, as compared to 22.77% in Q1 FY2026 and 23.38% in Q2 FY2025.

Shares of Ujjivan Small Finance Bank Limited was last trading in BSE at Rs. 48.98 as compared to the previous close of Rs. 48.52. The total number of shares traded during the day was 317542 in over 1002 trades.

The stock hit an intraday high of Rs. 49.19 and intraday low of 48.54. The net turnover during the day was Rs. 15525807.00.

Source : Equity Bulls

Keywords

UjjivanSmallFinanceBank Q2FY26 Q2FY2026 H1FY26 H1FY2026 ResultUpdate