Q2FY27 business update: deposits up 29.2% YoY, gross loan book up 32.1%, GNPA eases to 2.10%

Q2FY27 update: Total Deposits ₹ 50,649 crore, up 29.2% YoY; Gross Loan Book ₹ 45,699 crore, up 32.1% YoY; Disbursements ₹ 10,560 crore, up 33.1% YoY.

Sat 3 Oct 2026

Total Deposits

₹ 50,649 crore, up 29.2% YoY

Gross Loan Book

₹ 45,699 crore, up 32.1% YoY

Disbursements

₹ 10,560 crore, up 33.1% YoY

GNPA

eased to 2.10% from 2.45% a year ago

PAR

3.57% from 4.45%

What the update covers

Ujjivan Small Finance Bank has shared its key business highlights for the quarter ended September 30, 2026, covering deposits, the loan book, disbursements, asset quality and micro banking collections. The bank states the Q2FY27 information is provisional and subject to audit or limited review by its statutory auditors.

Deposits

• Total Deposits: ₹ 50,649 crore in Q2FY27, compared with ₹ 39,211 crore in Q2FY26 (up 29.2%) and ₹ 48,129 crore in Q1FY27 (up 5.2%)
• CASA: ₹ 13,182 crore, compared with ₹ 10,783 crore a year earlier (up 22.2%) and ₹ 12,930 crore in Q1FY27 (up 1.9%)
• CASA Ratio: 26.0% in Q2FY27, against 27.5% in Q2FY26 and 26.9% in Q1FY27
• Credit-Deposit ratio (excluding securitization): 89.97%, against 87.78% in Q2FY26 and 88.85% in Q1FY27

Gross Loan Book

• Total Gross Loan Book (includes securitization): ₹ 45,699 crore, against ₹ 34,588 crore in Q2FY26 (up 32.1%) and ₹ 42,903 crore in Q1FY27 (up 6.5%)
• Group Loan: ₹ 15,658 crore, up 19.5% YoY and 3.1% QoQ
• Individual Loan: ₹ 6,381 crore, up 16.8% YoY and 3.2% QoQ
• Housing (including MM): ₹ 12,087 crore, up 38.2% YoY and 7.8% QoQ
• MSME: ₹ 3,871 crore, up 51.3% YoY and 11.6% QoQ
• FIG: ₹ 3,615 crore, up 45.2% YoY and 9.8% QoQ
• Vehicle Loan: ₹ 1,081 crore, up 64.7% YoY and 4.4% QoQ
• Gold Loan: ₹ 1,275 crore, up 209.7% YoY and 25.0% QoQ
• Agri Banking: ₹ 914 crore, up 79.1% YoY and 12.8% QoQ
• Others: ₹ 816 crore, up 26.9% YoY and 17.8% QoQ
• Total Secured Book: ₹ 23,773 crore, up 47.0% YoY and 9.9% QoQ, forming 52.0% of the book (46.8% in Q2FY26, 50.4% in Q1FY27)

The update notes Individual Loan, MSME and Others include both secured and unsecured products, and that Others includes staff loan, OD-FD and others.

Disbursements

• Total Disbursements: ₹ 10,560 crore, against ₹ 7,932 crore in Q2FY26 (up 33.1%) and ₹ 9,245 crore in Q1FY27 (up 14.2%)
• Group Loan: ₹ 3,395 crore, up 8.4% YoY and 1.2% QoQ
• Individual Loan: ₹ 1,310 crore, up 16.1% YoY and 6.7% QoQ
• Housing (including MM): ₹ 1,327 crore, up 23.7% YoY and 16.5% QoQ
• MSME: ₹ 765 crore, up 50.6% YoY and 53.9% QoQ
• FIG: ₹ 2,456 crore, up 81.6% YoY and 41.6% QoQ
• Vehicle Loan: ₹ 203 crore, up 23.3% YoY and down 15.1% QoQ
• Gold Loan: ₹ 506 crore, up 136.0% YoY and 8.4% QoQ
• Agri Banking: ₹ 167 crore, up 24.1% YoY and 46.2% QoQ
• Others: ₹ 431 crore, up 89.8% YoY and down 8.8% QoQ

Asset quality

• PAR: 3.57% in Q2FY27, against 3.58% in Q1FY27 and 4.45% in Q2FY26
• GNPA: 2.10% in Q2FY27, against 2.17% in Q1FY27 and 2.45% in Q2FY26
• Write-Off: ₹ 43 crore in Q2FY27, against ₹ 72 crore in Q1FY27 and ₹ 213 crore in Q2FY26

The update notes that prior numbers have been reclassified.

Micro banking collections

• Micro Banking (GL & IL) Bucket X Collection Efficiency: 99.72% in Q2FY27, against 99.68% in Q1FY27 and 99.48% in Q2FY26

How to read this

This is a periodic business update, not the full financial results. It shows deposits, loan book, disbursements, asset quality and collection efficiency, but not profit, margins or provisioning. The note that the Q2FY27 data is provisional and subject to audit or limited review means the numbers may be reviewed before the formal results.

Nothing here is a view, opinion or recommendation of ScoutQuest, its parent, directors or employees. ScoutQuest is a technology company: this page was assembled automatically from public sources using artificial intelligence, and may contain errors or omissions. Confirm everything against the original source before you act on it. Any use of this page is at your own risk, and neither ScoutQuest nor its parent, directors or employees accepts liability for it.