Ujjivan Small Finance Bank Ltd.Ujjivan SFB: Record PAT ₹365 Cr, loan book +32%, ROA beat likely

Ujjivan Small Finance Bank's Q2 FY27 call, held on 16 October 2026 under Interim CEO Carol Furtado, reported a record profit after tax of ₹365 crore, return on assets of 2.4% and return on equity of 19.7%.

The gross loan book grew 32.1% to ₹45,699 crore and deposits crossed ₹50,000 crore, up 29.2%, with the secured share at 52.1% and heading to 56%. Gross NPA was 2.1% and net NPA 0.3%, with Bucket X collection efficiency steady at 99.7% despite drought declarations in Karnataka and Maharashtra, where eligible relief exposure is small. Management expects the margin to ease from 8.45% to about 8.35% as the repo hike flows through, held the 12% to 14% microfinance growth guide, and said return on assets could overshoot its range.

It announced a ₹409 crore preferential equity raise, flagged CASA outflows and the IRDAI insurance draft, and said a permanent MD search should finish in three to four months.