Ujjivan Small Finance Bank Posts ₹1.22 Billion Profit In Q2, Maintains Asset Quality At 2.45%

Image Source : Moneycontrol

Ujjivan Small Finance Bank reported ₹1.22 billion net profit and ₹16.82 billion interest income in Q2 FY26. Gross NPA stood at 2.45%, reflecting stable asset quality. The bank’s performance was driven by strong credit demand and operational efficiency, with continued focus on financial inclusion and digital expansion.

Ujjivan Small Finance Bank Ltd has reported a consolidated net profit of ₹1.22 billion for the quarter ended September 2025, reflecting stable financial performance and prudent risk management. The bank earned ₹16.82 billion in interest income during the period, supported by healthy loan growth and disciplined asset deployment.

Key Highlights From The Quarterly Results

- Net profit for Q2 FY26 stood at ₹1.22 billion, driven by improved net interest margins and operational efficiency.

- Interest earned during the quarter reached ₹16.82 billion, reflecting strong credit demand across microfinance, affordable housing, and small business segments.

- Gross Non-Performing Assets (NPA) were reported at 2.45%, indicating stable asset quality and effective recovery mechanisms.

- The bank continues to expand its digital banking footprint and strengthen its customer base in semi-urban and rural markets.

Strategic Insights

Ujjivan’s performance underscores its ability to balance growth with risk control. The steady NPA ratio reflects robust underwriting standards and proactive portfolio monitoring. The bank’s focus on financial inclusion and technology-led outreach remains central to its strategy.

Industry Context

India’s small finance banking sector is witnessing consolidation and digital transformation, with players like Ujjivan leveraging fintech tools to enhance service delivery. The sector plays a critical role in bridging credit access gaps for underserved communities and micro-entrepreneurs.

Market Outlook

Analysts expect Ujjivan to maintain its growth trajectory through FY26, supported by expanding loan books, stable margins, and controlled asset stress. The bank’s emphasis on customer-centric innovation and operational scalability positions it well for long-term sustainability.

Sources: Reuters, Business Standard, Ujjivan Small Finance Bank Investor Updates

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