Ujjivan Small Finance Bank Ltd reported an 18.8% year-on-year increase in total deposits to ₹38,612 crore for the quarter ended June 30, 2025, according to a regulatory filing on Friday. The bank’s gross loan book grew 10.7% year-on-year to ₹33,287 crore during the same period.
The lender’s affordable housing segment registered a 53.1% rise in loans to ₹7,962 crore, while loans to micro, small and medium enterprises (MSMEs) rose 59.3% to ₹2,254 crore. The bank’s total secured loan book grew 60.8% year-on-year to ₹15,144 crore, making up 45.5% of the total loan portfolio.
Overall disbursements for Q1 FY26 increased 23.8% year-on-year to ₹6,543 crore, supported by a doubling in affordable housing loans and strong growth in MSME and Financial Institutions Group (FIG) disbursals. On a sequential basis, disbursements declined 12.1%.
Gross non-performing assets (GNPA) stood at 2.5%, up from 2.2% in the previous quarter and 2.3% a year earlier. Collection efficiency remained stable at 96.5% in June, while overall efficiency, including foreclosures and advances, was 106.6%.
Current account and savings account (CASA) deposits stood at ₹9,378 crore, down 2.5% sequentially. The CASA ratio declined to 24.3% from 25.6% in the March quarter. The credit-to-deposit ratio was at 85.7%.
At 3:15 pm IST, shares of Ujjivan Small Finance Bank were trading 1.1% lower at ₹48.62 on the BSE.
