What Ujjivan Small Finance Bank lends, and to whom
Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.
FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹45,699 crore (+12% since March).
₹40,655croregross loan book on 31 Mar 2026: lent and not yet repaid
Chapter 01 · The loan book
₹40,655 crore lent out by March 2026. To whom?
A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.
The simple version. When someone takes a ₹50 lakh home loan, it sits in Ujjivan Small Finance Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from group loans - microfinance down, and you get ₹40,655 crore. By 30 Sep 2026 it was ₹45,699 crore.
First cut: who the borrower is · split from its latest filing, 30 Sep 2026
Drilling down: what it lends against · 30 Sep 2026
- Group Loans - Microfinance₹11,274 crore24.7%
- Affordable Housing₹10,056 crore22%
- Individual Loans₹6,380 crore14%
- Group Loans - Non Microfinance₹4,384 crore9.6%
- MSME₹3,871 crore8.5%
- FIG Lending₹3,615 crore7.9%
- Micro Mortgage₹2,031 crore4.4%
- Gold Loan₹1,275 crore2.8%
- Vehicle Loan₹1,081 crore2.4%
- Agri Banking₹914 crore2%
- Others (staff loan, OD-FD and others)₹817 crore1.8%
Chapter 02 · Insights
Growing 22% a year since March 2022.
From ₹18,162 crore on 31 March 2022 to ₹40,655 crore on 31 March 2026, and ₹45,699 crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.
- 0122%a year since 2022Grew 22% a year from March 2022 to March 2026, faster than 25 of the 29 other banks with like-for-like figures for those years.
- 0227%in FY2025-26Growth picked up to 27% in FY2025-26, from 7.9% the year before.
- 0330thamong peersHeld its place as the 30th biggest of these 33 banks from March 2022 to March 2026.
| Measure | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Sep 2026 |
|---|---|---|---|---|---|---|
| Loan book₹ crore · gross loan book | 18,162 | 24,085 | 29,780 | 32,122 | 40,655 | 45,699 |
| Deposits₹ crore | 18,292 | 25,538 | 31,462 | 37,630 | 45,668 | 50,643 |
| CASA ratio% | 27.30 | 26.40 | 26.50 | 25.50 | 28.60 | 26.00 |
| BranchesNumber | 575 | 629 | 752 | 753 | 776 | 880 |
Loan book, Mar 2022: ₹18,162 crore
“Mar’22: ₹18,162 cr”
Loan book, Mar 2023: ₹24,085 crore
“Mar23: ₹24,085 cr”
Loan book, Mar 2024: ₹29,780 crore
“Total Gross Loan Book – ₹ 29,780 Cr”
Loan book, Mar 2025: ₹32,122 crore
“Mar’25: ₹32,122 Cr”
Loan book, Mar 2026: ₹40,655 crore
“Total 40,655 100% 100% 27% 10%”
Loan book, Sep 2026: ₹45,699 crore
“Total 45,699 100% 100% 32% 7%”
Deposits, Mar 2022: ₹18,292 crore
“Total deposits grew 39.3% Y-o-Y to ₹ 18,292 Cr”
Deposits, Mar 2023: ₹25,538 crore
“Deposits 31,462 29,669 25,538”
Deposits, Mar 2024: ₹31,462 crore
“Deposits 31,462 29,669 25,538”
Deposits, Mar 2025: ₹37,630 crore
“Deposits 37,630 42,223 45,668”
Deposits, Mar 2026: ₹45,668 crore
“Deposits 37,630 42,223 45,668”
Deposits, Sep 2026: ₹50,643 crore
“Deposits 39,211 48,129 50,643”
CASA ratio, Mar 2022: 27.30%
“CASA deposits grew 85.0% Y-o-Y; 27.3% as of Mar’22”
CASA ratio, Mar 2023: 26.40%
“CASA deposits grew 35% Y-o-Y; 26.4% of total”
CASA ratio, Mar 2024: 26.50%
“CASA ratio higher at 26.5% vs 25.5% as of Dec’23”
CASA ratio, Mar 2025: 25.50%
“CASA% improved to 25.5% as of Mar’25”
CASA ratio, Mar 2026: 28.60%
“CASA% reaching 28.6%”
CASA ratio, Sep 2026: 26.00%
“CASA ratio at 26.0%”
Branches, Mar 2022: 575
“575 575”
Branches, Mar 2023: 629
“taking total branch count to 629”
Branches, Mar 2024: 752
“taking total branch count to 752”
Branches, Mar 2025: 753
“Branches 753,”
Branches, Mar 2026: 776
“776 Branches (197 URCs)”
Branches, Sep 2026: 880
“880 Branches (223 URCs)”
Insights alertQ3 FY2026-27 due by 14 Feb 2027
Know what moved at Ujjivan Small Finance Bank, the week its results land.
Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.
You're in. Watch for Ujjivan Small Finance Bank's next results.
CreditBrief Insightsto you
Ujjivan Small Finance Bank, Q2 FY2026-27: loan book ₹45,699 crore, +12% since March
- ₹45,699 crore lent out by Q2 FY2026-27
- Biggest segment: Group Loans - Microfinance, 25% of the book
- Every figure links to page 13 of its filing
Chapter 03 · Among its peers
30th biggest of 33 banks we cover, March 2026.
At the end of FY2025-26 it held 0.2% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.
- 1State Bank of India₹49.33 lakh crore
- 2HDFC Bank₹29.60 lakh crore
- 3ICICI Bank₹15.54 lakh crore
- 4Bank of Baroda₹14.30 lakh crore
- 5Punjab National Bank₹12.59 lakh crore
- 6Canara Bank₹12.38 lakh crore
- 7Axis Bank₹12.34 lakh crore
- 8Union Bank of India₹10.79 lakh crore
- 30Ujjivan Small Finance Bank₹40,655 crore
Chapter 04 · Working here
Getting in.
Prepare for the interview
Chapter 05 · Sources
Every number, traced to its filing.
- Loan book and segmentsUjjivan Small Finance Bank Investor Presentation Q2 FY27, PDF page 13 ↗Q2 FY2026-27, balance on 30 Sep 2026
- Logo and nameBelong to the lender and only identify it. CreditBrief is independent and not linked to any lender.
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