Ujjivan SFB Q4 FY25 Results: Profit at Rs 83 crore, NII declines 7%; asset quality improves

Ujjivan SFB Q4 FY25 Earnings: Bengaluru-headquartered Ujjivan Small Finance Bank on Wednesday reported a net profit of Rs 83.39 crore for the quarter ended March 31, marking a decline of 74.7 per cent on a year-on-year basis. Its net interest income (NII)—or the difference between interest earned and interest paid—came in at Rs 864.31 crore for the final three months of FY25, as against Rs 933.54 crore for the corresponding period a year ago, according to a regulatory filing. 

Ujjivan Small Finance Bank Q4 FY25 Results: Disbursement hit record high

The private sector small finance bank registered unpecedented quarterly disbursements at Rs 7,440 crore, marking a year-on-year increase of 11 per cent. 

Its gross loan book grew 8.0 per cent to Rs 32,122 crore, the company said.

Ujjivan Small Finance Bank Q4 Earnings: Management commentary 

FY25 has been an eventful wherein the bank navigated the challenging business environment in the micro banking segment maintaining one of the best in industry portfolio quality, said Sanjeev Nautiyal, MD and CEO, Ujjivan Small Finance Bank. 

Its strategic initiative to diversify and build higher share of secured loan book saw significant progress, now contributing 44 per cent of the loan portfolio, up from 30 per cent last year, he said.

"While the banking system liquidity continued to see challenges, this was managed at optimal levels with Credit to Deposit ratio improving to around 85 per cent and LCR managed comfortably around 120 per cent. Further, in Feb’25 bank took a major step forward by filing application with RBI to transition to a universal bank," said Nautiyal. 

Ujjivan Small Finance Bank Q4 FY25 Results: Asset quality 

The bank staged an improvement in its asset quality, measured as sequential changes in the proportion of bad assets to total loans. 

Its gross and net non-performing assets (NPAs) as a percentage of total loans stood at 2.18 per cent and 0.49 per cent for the quarter ended March 31, declining from 2.68 per cent and 0.56 per cent three months ago, respectively. 

Ujjivan Small Finance Bank FY25 results

The lender registered a net profit of Rs 726 crore for the year ended March 31.

Its net interest margin (NIM), a key measure of profitability for lenders, stood at 8.8 per cent for FY25, marking a decline of 25 bps compared with the previous year. 

Ujjivan SFB (UJJIVANSFB) share price news today

Ujjivan Small Finance Bank shares—traded with the symbol UJJIVANSFB on stock exchanges BSE and NSE—extended their intraday losses minutes after the earnings announcement. 

At 1:35 pm, the stock was trading 2.2 per cent lower for the day at Rs 43 apiece on BSE.

However, at these levels, the stock has gained more than 25 per cent so far in 2025, sharply outperforming a 2.5 per cent rise in the headline Nifty 50 index. 

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