Ujjivan SFB Q2FY27: deposits cross ₹50,000 Cr, record quarterly PAT of ₹365 Cr; FY27 guidance of ~25% advances growth
Q2FY27 deposits up 29.2% YoY to ₹50,643 Cr, NII up 35% to ₹1,244, record quarterly PAT of ₹365 Cr, RoA 2.4%.
By ScoutQuest · · 1 min read
- Deposits Growth
- Q2FY27 deposits up 29.2% YoY to ₹50,643 Cr
- PAT and RoA
- record quarterly PAT of ₹365 Cr, RoA 2.4%, RoE 19.7%
- FY27 Guidance
- ~25% advances growth, credit cost 0.9%-1.0% of ATA, RoA 1.8%-2.0%
- Period
- Q2FY27 / H1FY27 (quarter ended September 30, 2026)
- Positioning
- A small finance bank with 880 branches across 26 states and UTs and 352 districts, a deposit base above ₹50,000 Cr and a loan book now 52% secured.
💰 Deposits grew 29.2% YoY to ₹50,643 Cr, crossing ₹50,000 Cr for the first time, with cost of funds at 6.9% and CASA at 26.0%. Quarterly disbursement hit a record ₹10,495 Cr and advances grew 32.1%. NII was ₹1,244, up 35% YoY, PPoP ₹594 Cr (up 50%), and PAT a record ₹365 Cr, with RoA 2.4% and RoE 19.7%.
📌 Capital adequacy rose 33 bps to 20.69%. The Board approved a ₹409 Cr preferential allotment, subject to shareholder approval, which the company says would lift CRAR by ~1.2% on a proforma basis holding RWA constant.
🎯 Management states FY27 guidance of ~25% advances growth, credit cost of 0.9% to 1.0% of ATA and RoA of 1.8% to 2.0%. The company says it is driving secured growth through housing (gross book up 38% YoY to 12,087 Cr) and new products in vehicle finance, gold loans and agri banking.
📌 Micro banking asset quality: group loan PAR 30+ at 3.8% and individual loan 3.3%, with X-bucket collection efficiency at 99.71%. The company notes MD Mr. Nautiyal is taking early retirement on health grounds, with the NRC working on a successor submission to the regulator.
Also from Ujjivan Small Finance Bank
Q2 FY27 call: deposits cross INR50,000 crores, INR409 crore capital raise proposed
22 Oct 2026
EGM notice: preferential issue of up to ~6.32 crore shares at Rs. 64.73 each to four investors
19 Oct 2026
Ujjivan Small Finance Bank earnings call audio recording for Q2 FY27 (Oct 16, 2026) hosted on Bank website
16 Oct 2026
More numbers
- Deposits, Sep'26₹50,643 Cr
- Deposit growth YoY29.2%
- Quarterly disbursement, Q2FY27₹10,495 Cr
- Advances growth32.1%
- NII growth YoY, Q2FY2735%
- PPoP, Q2FY27₹594 Cr
- PAT, Q2FY27₹ 365 Cr
- RoE, Q2FY2719.7%
- CRAR, Sep'2620.69%
- Preferential allotment₹409 Cr
- CASA ratio26.0%
- Housing gross loan book, Sep'2612,087 (₹ Cr)
- PAT, FY26693 (₹ Cr)
- Advances growth guidance, FY27~ 25%
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