Ujjivan Small Finance Bank Ltd. [BSE: 542904; NSE: UJJIVANSFB] posted robust Q2 FY26 results, with net profit rising 18.2% quarter-on-quarter to ₹122 crore. The bank’s secured loan book surged 52.9% year-on-year to ₹16,173 crore, accounting for 46.8% of total loans, while gross disbursements reached a record ₹7,932 crore, up 47.6% YoY. The overall loan book grew 14% YoY to ₹34,588 crore, supported by strong microfinance and retail lending.
Deposits increased 15.1% YoY to ₹39,211 crore, with CASA deposits rising 22.1% to ₹10,783 crore, improving the CASA ratio to 27.5%. Cost of funds declined to 7.3% from 7.6% in the previous quarter. Net interest income climbed 7.7% QoQ to ₹922 crore, while asset quality remained stable with GNPA at 2.45% and collection efficiency at 99.5%. Capital adequacy ratio stood at 21.4%, with Tier I at 19.9%.
In Agartala, Ujjivan’s expanding branch network has enhanced access to credit and banking services for small businesses and retail customers. Local traders and SMEs have benefitted from the bank’s higher loan disbursements, while increased CASA mobilization is expected to support liquidity in the regional market, strengthening economic activity and boosting consumer confidence. MD & CEO Sanjeev Nautiyal emphasized disciplined loan growth, CASA augmentation, and future rollout of MF, forex, and ASBA products to sustain strong performance through FY26.
