![\"\"](\"https:\/\/matribhumisamachar.com\/en\/wp-content\/uploads\/2025\/10\/WhatsApp-Image-2025-10-17-at-18.03.58_c91fe081-300x300.jpg\")
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Highest ever Disbursement at \u20b9 7,932 Crore up 47.6% YoY; Loan book at \u20b9 34,588 Crore up\u00a014.0% YoY;<\/strong><\/p>\n Deposits at \u20b9 39,211 Crore up 15.1% YoY; CASA deposits at \u20b910,783 up 22.1% YoY<\/strong><\/p>\n Bengaluru, October 2025: Ujjivan Small Finance Bank ltd. [BSE: 542904; NSE: UJJIVANSFB], today announced its financial performance for the quarter ended September, 2025 Summary of Ujjivan Small Finance Bank Business Performance \u2013 Q2 FY26 and H1 FY26 Mr. Sanjeev Nautiyal, MD & CEO, Ujjivan Small Finance Bank said \u201cWe have delivered a well calibrated growth for the quarter by ensuring absorption of excess liquidity thereby taking our CD ratio to 88.2%. Total deposits were up 1.5% QoQ and up 15.1% YoY at \u20b939,211 Cr. CASA grew 14.9% QoQ and 22.1% YoY to \u20b910,783 crore, while Retail TD plus CASA deposits remained around 71% of total deposits. Our CASA augmentation efforts are just beginning to take shape. The MF distribution and forex products would be rolled out to customers in Q3, while future rollout of ASBA will further drive CASA mobilization.<\/p>\n We have proactively reset rates in both TD and SA in various buckets resulting in improvement in cost of funds by 23 bps QoQ and 17 bps YoY. We expect further CoF benefits in coming quarters.<\/p>\n Loan origination remained strong this quarter with one of the highest disbursements of \u20b9 7,932 crore up 21.3% QoQ and 47.6% YoY. For H1FY26, disbursements grew 35.8% to \u20b914,471 Cr, led by continued momentum in the secured loan book. Our Gross Loan Book grew 3.9% QoQ and 14.0% YoY to \u20b9 34,588 Cr in Q2FY26, driven by our disciplined approach to diversify asset suite and build a sustainable portfolio. The faster growth in the secured products compared to unsecured led to share of secured loans coming at 47%.<\/p>\n As guided, our microfinance portfolio is stabilising with improving repayment behaviour reflected in Bucket X collection efficiency of 99.45% to 99.50% consistently for 3 months of Q2FY26. Our overall asset quality as reflected in credit costs has remained flat at 2.8%, and we remain on track for sequential improvements in the remaining quarters of the financial year.<\/p>\n PAT for Q2 at \u20b9122 Crore is up 18.2% QoQ. RoA and RoE increased sequentially and came in at 1.0% & 7.7% respectively. With strategic branch expansion and product diversification supporting our future growth plans, we remain confident to grow advances in FY26 by around 20% with credit costs contained in the range of 2.3% to 2.4% of gross loan book.\u201d<\/p>\n Featured Article<\/p>\n","protected":false},"excerpt":{"rendered":" Highest ever Disbursement at \u20b9 7,932 Crore up 47.6% YoY; Loan book at \u20b9 34,588 Crore up\u00a014.0% YoY; Deposits at \u20b9 39,211 Crore up 15.1% YoY; CASA deposits at \u20b910,783 up 22.1% YoY Bengaluru, October 2025: Ujjivan Small Finance Bank ltd. [BSE: 542904; NSE: UJJIVANSFB], today announced its financial performance for the quarter ended September, …<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[30857],"class_list":["post-52565","post","type-post","status-publish","format-standard","","category-business-english-news","tag-ujjivan-small-finance-bank-ltd"],"yoast_head":"\n
\n\uf076 Deposits
\n\uf0b7 Deposits at \u20b9 39,211 Crore as of Sep\u201925 up 15.1% YoY
\n\uf0b7 CASA at \u20b9 10,783 Crore up 22.1% YoY with CASA ratio at 27.5% as of Sep\u201925
\n\uf0b7 Cost of Funds dropped to 7.3% from 7.6% in Q1FY26
\n\uf076 Assets
\n\uf0b7 Highest ever disbursements at \u20b97,932 Cr, Growth of 47.6% YoY and 21.3% QoQ
\n\uf0b7 Gross loan book at \u20b9 34,588* Crore up 14.0% YoY and 3.9% QoQ
\n\uf0b7 Secured book share at 46.8% as of Sep\u201925 vs 34.9% as of Sep\u201924 and 45.5% as of Jun\u201925.
\n\uf0b7 Micro Banking disbursements stood at \u20b9 4,259 Cr, up 29.3% YoY and 8.3% QoQ
\n\uf0b7 Micro Banking book grew to \u20b918,570 Cr, up 1.5% QoQ
\n\uf076 Collection and Asset Quality
\n\uf0b7 Portfolio at Risk*\/GNPA*\/NNPA* at 4.45%\/2.45%\/0.67% respectively as of Sep\u201925; for
\nJun\u201925 at 4.81%\/2.52%\/0.71% respectively.
\n\uf0b7 Provision coverage ratio as of Sep\u201925 is 73%
\n\uf0b7 Bucket-X collection efficiency remained strong for Group and Individual Loan book at
\n99.5% for Sep\u201925.
\n\uf0b7 Overall SMA dropped to 1.99%; lowest level since Q1FY25
\n\uf076 Financials
\n\uf0b7 Q2FY26 PAT of \u20b9122 Crore up 18.2% QoQ
\n\uf0b7 PPoP grew 9.6% QoQ to \u20b9395 Crores
\n\uf0b7 Net Interest Income at \u20b9 922 Crore up 7.7% QoQ, reversing the trend of 3 quarters
\n\uf0b7 Q2FY26 RoA \/ RoE at 1.0% \/ 7.7%
\n\uf076 Capital Position
\n\uf0b7 Capital adequacy ratio at 21.4% with Tier I at 19.9%<\/p>\n