Ujjivan Small Finance Bank Reports Strong FY26 Growth: Secured Portfolio and Deposits Surge

Ujjivan Small Finance Bank Limited has released its provisional business update for the quarter and financial year ended March 31, 2026. The bank demonstrated significant expansion across its balance sheet, highlighted by robust deposit mobilization and a strategic shift toward a more secured lending mix.

Deposit Franchise and CASA Momentum

The bank's Total Deposits reached ₹45,661 crore, marking a healthy 21.3% Year-on-Year (YoY) growth. A standout feature of this performance was the growth in low-cost deposits; CASA (Current Account Savings Account) deposits surged by 35.8% YoY to reach ₹13,055 crore. This propelled the CASA Ratio to 28.6%, up from 25.5% in the previous year, reflecting the bank's successful efforts in deepening its retail liability franchise.

Loan Book Expansion and Strategic Diversification

The Gross Loan Book grew by 26.6% YoY, ending the year at ₹40,655 crore. While Group Loans remain a significant portion of the book, the bank saw explosive growth in several secured and specialized segments:

Gold Loans: Surged by 292.2% YoY to reach ₹769 crore.

Agri Banking: Increased by 126.6% YoY to ₹731 crore.

Vehicle Loans: Doubled with a 101.6% YoY increase.

Housing & MSME: These segments grew by 43.4% and 57.9% respectively.

Significantly, the Secured Book now constitutes 49.4% of the total loan portfolio, up from 43.5% a year ago, aligning with the bank's risk-mitigation strategy.

Disbursements and Asset Quality

Overall disbursements for Q4 FY26 stood at ₹9,763 crore, a 31.4% YoY increase. On the asset quality front, the bank showed consistent improvement in its PAR (Portfolio at Risk), which dropped to 3.54% from 4.54% in March 2025. The GNPA (Gross Non-Performing Assets) stood stable at 2.27%. Collection efficiency in the Micro Banking segment remained near perfect, recorded at 99.81% for March 2026.

Shares of Ujjivan Small Finance Bank Limited was last trading in BSE at Rs. 55.42 as compared to the previous close of Rs. 53.59. The total number of shares traded during the day was 1439417 in over 5320 trades.

The stock hit an intraday high of Rs. 55.66 and intraday low of 51.02. The net turnover during the day was Rs. 78144730.00.

Source : Equity Bulls

Keywords

UjjivanSmallFinanceBank INE551W01018 FY26 Q4FY26 BusinessUpdate