# Ujjivan Small Finance Bank

> Small finance banks. Figures from the lender's own filings, each checked against the page it came from.

Page: https://creditbrief.in/lenders/ujjivan

## Loan book

- ₹40,655 crore on 31 March 2026, the end of FY2025-26 (Gross loan book).
- ₹45,699 crore on 30 Sep 2026, the latest half-year balance.
- Source: Ujjivan Small Finance Bank Investor Presentation Q4 FY26, PDF page 12: https://nsearchives.nseindia.com/corporate/UJJIVANBANK_08052026143051_14_Intimation_Investor_PPT_Q4_FY26_combined.pdf

## Findings

- Grew 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.
- Growth picked up to 27% in FY2025-26, from 7.9% the year before.
- Held its place as the 30th biggest of these 33 banks from March 2022 to March 2026.

## What it lends against (30 Sep 2026)

- Group Loans - Microfinance: ₹11,274 crore (24.7%)
- Affordable Housing: ₹10,056 crore (22%)
- Individual Loans: ₹6,380 crore (14%)
- Group Loans - Non Microfinance: ₹4,384 crore (9.6%)
- MSME: ₹3,871 crore (8.5%)
- FIG Lending: ₹3,615 crore (7.9%)
- Micro Mortgage: ₹2,031 crore (4.4%)
- Gold Loan: ₹1,275 crore (2.8%)
- Vehicle Loan: ₹1,081 crore (2.4%)
- Agri Banking: ₹914 crore (2%)
- Others (staff loan, OD-FD and others): ₹817 crore (1.8%)

Source: Ujjivan Small Finance Bank Investor Presentation Q2 FY27, PDF page 13: https://nsearchives.nseindia.com/corporate/UJJIVANBANK_16102026140711_101_Intimation_Investor_PPT_Q2_FY27.pdf

## Figures by period

| Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 |
|---|---|---|---|---|---|---|
| Loan book (₹ crore) | 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 |
| Branches (Number) | 575 | 629 | 752 | 753 | 776 | 880 |

### Sources for each figure

- Loan book, FY2021-22 (31 Mar 2022): "Mar’22: ₹18,162 cr" (Ujjivan Small Finance Bank Investor Presentation Q4 FY23, PDF page 7) https://nsearchives.nseindia.com/corporate/UJJIVANSFB_11052023143544_Intimation_Press_Release_Investor_PPT_May_11_2023_Final.pdf
- Loan book, FY2022-23 (31 Mar 2023): "Mar23: ₹24,085 cr" (Ujjivan Small Finance Bank Investor Presentation Q4 FY24, PDF page 4) https://nsearchives.nseindia.com/corporate/UJJIVANSFB_20052024154536_26_Intimation_Investor_PPT_20052024.pdf
- Loan book, FY2023-24 (31 Mar 2024): "Total Gross Loan Book – ₹ 29,780 Cr" (Ujjivan Small Finance Bank Investor Presentation Q4 FY24, PDF page 30) https://nsearchives.nseindia.com/corporate/UJJIVANSFB_20052024154536_26_Intimation_Investor_PPT_20052024.pdf
- Loan book, FY2024-25 (31 Mar 2025): "Mar’25: ₹32,122 Cr" (Ujjivan Small Finance Bank Investor Presentation Q4 FY26, PDF page 5) https://nsearchives.nseindia.com/corporate/UJJIVANBANK_08052026143051_14_Intimation_Investor_PPT_Q4_FY26_combined.pdf
- Loan book, FY2025-26 (31 Mar 2026): "Total 40,655 100% 100% 27% 10%" (Ujjivan Small Finance Bank Investor Presentation Q4 FY26, PDF page 12) https://nsearchives.nseindia.com/corporate/UJJIVANBANK_08052026143051_14_Intimation_Investor_PPT_Q4_FY26_combined.pdf
- Loan book, 30 Sep 2026: "Total 45,699 100% 100% 32% 7%" (Ujjivan Small Finance Bank Investor Presentation Q2 FY27, PDF page 13) https://nsearchives.nseindia.com/corporate/UJJIVANBANK_16102026140711_101_Intimation_Investor_PPT_Q2_FY27.pdf
- Deposits, FY2021-22 (31 Mar 2022): "Total deposits grew 39.3% Y-o-Y to ₹ 18,292 Cr" (Ujjivan Small Finance Bank Investor Presentation Q4 FY22, PDF page 10) https://www.ujjivansfb.bank.in/assets/Q4_FY_22_Investor_Presentation_upload_1_fc5e9c5afc.pdf
- Deposits, FY2022-23 (31 Mar 2023): "Deposits 31,462 29,669 25,538" (Ujjivan Small Finance Bank Investor Presentation Q4 FY24, PDF page 24) https://www.ujjivansfb.bank.in/assets/Q4_FY_24_Investor_Presentation_Final_ca368e5c33.pdf
- Deposits, FY2023-24 (31 Mar 2024): "Deposits 31,462 29,669 25,538" (Ujjivan Small Finance Bank Investor Presentation Q4 FY24, PDF page 24) https://www.ujjivansfb.bank.in/assets/Q4_FY_24_Investor_Presentation_Final_ca368e5c33.pdf
- Deposits, FY2024-25 (31 Mar 2025): "Deposits 37,630 42,223 45,668" (Ujjivan Small Finance Bank Investor Presentation Q4 FY26, PDF page 28) https://www.ujjivansfb.bank.in/assets/Ujjivan_SFB_Q4_FY_26_IR_PPT_d3d6c41bd3.pdf
- Deposits, FY2025-26 (31 Mar 2026): "Deposits 37,630 42,223 45,668" (Ujjivan Small Finance Bank Investor Presentation Q4 FY26, PDF page 28) https://www.ujjivansfb.bank.in/assets/Ujjivan_SFB_Q4_FY_26_IR_PPT_d3d6c41bd3.pdf
- Deposits, 30 Sep 2026: "Deposits 39,211 48,129 50,643" (Ujjivan Small Finance Bank Investor Presentation Q2 FY27, PDF page 30) https://www.ujjivansfb.bank.in/assets/101_Intimation_Investor_PPT_Q2_FY_27_2_b85c61360c.pdf
- CASA ratio, FY2021-22 (31 Mar 2022): "CASA deposits grew 85.0% Y-o-Y; 27.3% as of Mar’22" (Ujjivan Small Finance Bank Investor Presentation Q4 FY22, PDF page 10) https://www.ujjivansfb.bank.in/assets/Q4_FY_22_Investor_Presentation_upload_1_fc5e9c5afc.pdf
- CASA ratio, FY2022-23 (31 Mar 2023): "CASA deposits grew 35% Y-o-Y; 26.4% of total" (Ujjivan Small Finance Bank Investor Presentation Q4 FY23, PDF page 50) https://www.ujjivansfb.bank.in/assets/Q4_FY_23_Investor_Presentation_V16_ced400b780.pdf
- CASA ratio, FY2023-24 (31 Mar 2024): "CASA ratio higher at 26.5% vs 25.5% as of Dec’23" (Ujjivan Small Finance Bank Investor Presentation Q4 FY24, PDF page 5) https://www.ujjivansfb.bank.in/assets/Q4_FY_24_Investor_Presentation_Final_ca368e5c33.pdf
- CASA ratio, FY2024-25 (31 Mar 2025): "CASA% improved to 25.5% as of Mar’25" (Ujjivan Small Finance Bank Investor Presentation Q4 FY25, PDF page 6) https://www.ujjivansfb.bank.in/assets/Q4_FY_25_Ujjivan_Investor_Presentation_35917640a8.pdf
- CASA ratio, FY2025-26 (31 Mar 2026): "CASA% reaching 28.6%" (Ujjivan Small Finance Bank Investor Presentation Q4 FY26, PDF page 3) https://www.ujjivansfb.bank.in/assets/Ujjivan_SFB_Q4_FY_26_IR_PPT_d3d6c41bd3.pdf
- CASA ratio, 30 Sep 2026: "CASA ratio at 26.0%" (Ujjivan Small Finance Bank Investor Presentation Q2 FY27, PDF page 5) https://www.ujjivansfb.bank.in/assets/101_Intimation_Investor_PPT_Q2_FY_27_2_b85c61360c.pdf
- Branches, FY2021-22 (31 Mar 2022): "575 575" (Ujjivan Small Finance Bank Investor Presentation Q4 FY26, PDF page 44) https://www.ujjivansfb.bank.in/assets/Ujjivan_SFB_Q4_FY_26_IR_PPT_d3d6c41bd3.pdf
- Branches, FY2022-23 (31 Mar 2023): "taking total branch count to 629" (Ujjivan Small Finance Bank Investor Presentation Q4 FY23, PDF page 4) https://www.ujjivansfb.bank.in/assets/Q4_FY_23_Investor_Presentation_V16_ced400b780.pdf
- Branches, FY2023-24 (31 Mar 2024): "taking total branch count to 752" (Ujjivan Small Finance Bank Investor Presentation Q4 FY24, PDF page 3) https://www.ujjivansfb.bank.in/assets/Q4_FY_24_Investor_Presentation_Final_ca368e5c33.pdf
- Branches, FY2024-25 (31 Mar 2025): "Branches 753," (Ujjivan Small Finance Bank Investor Presentation Q4 FY26, PDF page 41) https://www.ujjivansfb.bank.in/assets/Ujjivan_SFB_Q4_FY_26_IR_PPT_d3d6c41bd3.pdf
- Branches, FY2025-26 (31 Mar 2026): "776 Branches (197 URCs)" (Ujjivan Small Finance Bank Investor Presentation Q4 FY26, PDF page 6) https://www.ujjivansfb.bank.in/assets/Ujjivan_SFB_Q4_FY_26_IR_PPT_d3d6c41bd3.pdf
- Branches, 30 Sep 2026: "880 Branches (223 URCs)" (Ujjivan Small Finance Bank Investor Presentation Q2 FY27, PDF page 8) https://www.ujjivansfb.bank.in/assets/101_Intimation_Investor_PPT_Q2_FY_27_2_b85c61360c.pdf

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