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Open64.69
High65.9
Low64.51
Prev. Close65.61
Avg. Traded Price65.23
Volume69,83,041

MARKET DEPTH

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Total bid0.00
Total ask10878.00
OrdersQtyBid
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AskQtyOrders
65.61110878
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HIGH/LOW

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52w

LOW/HIGH

64.5112 hours ago
65.908 hours ago
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LOWER/UPPER CIRCUITS

51.91
77.85
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Ujjivan Small Finance Bank Stock performance
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KEY OBSERVATIONS

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positive
negative
neutral
noteAnnual Revenue,rose 11.64%, in the last year to ₹8,038.97 Cr. Its sector's average revenue growth for the last fiscal year was 7.6%.
notePrice to Earning Ratio,is 18.23, lower than its sector PE ratio of 24.21.
noteQuarterly Revenue,rose 19.39% YoY to ₹2,185.06 Cr. Its sector's average revenue growth YoY for the quarter was 6.7%.
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LONG-TERM PRICE ANALYSIS

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Stock return5Y CAGR : %
Net profit growth 5Y CAGR : %

About Ujjivan Small Finance Bank Limited

Ujjivan Small Finance Bank Limited (USFB) is a mass-market focused bank serving financially unserved and under-served segments across India, with banking operations commenced on February 01, 2017 after receiving an RBI licence on November 11, 2016 and scheduled bank status on August 25, 2017. The Bank evolved from Ujjivan Financial Services Limited (established in 2005 as an NBFC) to broaden offerings beyond microfinance and deepen inclusion, and today operates only in India with its registered and corporate office in Bengaluru and regional offices in Noida, Kolkata, Bengaluru, and Pune. As of March 31, 2025, the franchise spans 753 branches, 611–613 ATMs/cash machines, coverage across 26 states/UTs and 326 districts, supported by multilingual phone, mobile, internet, WhatsApp/chatbot, and video banking channels. The Bank offers liabilities (CASA, retail term deposits, bulk TDs), assets (MicroBanking, Affordable Housing, MSME including LAP/WC/SCF, Vehicle Loans, Gold Loans, Agri & Rural Banking), and FIG lending, along with third-party insurance and payments (UPI, BBPS, AePS). A notable milestone in February 2025 was applying to RBI for a Universal Banking Licence, citing net worth above Rs 1,000 crore and GNPA under 1% for two years, to expand products and reduce regulatory constraints while staying inclusion-led.

Ujjivan Small Finance Bank Limited Business Segment

  • Asset portfolio: MicroBanking (Rs 18,272 crore asset book; 46.31 lakh customers), Affordable Housing incl. micro-mortgages (Rs 7,308 crore; 68,695 customers; micro-mortgages Rs 723 crore; GNPA 0.2%), MSME (LAP/WC/SCF; GNPA 5.5%, PAR 9.1%, NNPA 1.9%), Vehicle Loans (Rs 468 crore; 73,543 customers), Gold Loans (Rs 196 crore; 16,400 customers), and Financial Institutions & Government Banking Group (Rs 2,785 crore assets) as disclosed in FY 2024–25 narrative and product snapshot.

  • Liabilities portfolio: Total deposits Rs 37,630 crore; CASA Rs 9,619 crore; Retail Term Deposits Rs 17,057 crore; Bulk TD Rs 10,655 crore; total customer base 17.6 lakh for deposits, with 92.4% of total bank transactions conducted digitally in FY 2024–25.

  • Geographies and reach: 753 banking outlets and 613 ATMs, with region-wise share of deposits/advances distributed across North, South, East, and West; presence concentrated in states like West Bengal (97 outlets), Tamil Nadu (95), Karnataka (94), Maharashtra (54), and Bihar (53) by outlet count.

  • FY 2024–25 scale indicators: Total income Rs 7,201 crore, PPOP Rs 1,689 crore, PAT Rs 726 crore, NII Rs 3,636 crore, gross advances Rs 32,122 crore, deposits Rs 37,630 crore, and balance sheet size Rs 47,689 crore; key ratios include NIM 8.8%, RoA 1.7%, RoE 12.4%, GNPA 2.2%, NNPA 0.5%, CAR 23.1%.

Ujjivan Small Finance Bank Limited Key Management

  • Banavar Anantharamaiah Prabhakar — Part-Time Chairman and Independent Director.

  • Sanjeev Nautiyal — Managing Director & Chief Executive Officer.

  • Carol Furtado — Whole-time Executive Director.

  • Rajni Mishra — Independent Director.

  • Rajesh Jogi — Independent Director.

  • Sudha Suresh — Independent Director.

  • Ravichandran Venkataraman — Independent Director.

  • Anita Ramachandran — Independent Director.

Latest Updates on Ujjivan Small Finance Bank Limited

  • Applied to RBI in February 2025 for a Universal Banking Licence, aiming to expand product breadth and operating flexibility while maintaining inclusion focus.

  • Partnered with RBIH to integrate the Unified Lending Interface for faster digital loan journeys across Housing, Micro-Mortgages, Gold, Vehicle Finance, and Agri Loans.

  • Became a direct BBPS member and Biller Operating Unit to enable digital loan repayments across BBPS-enabled apps; conducted Rs 6,625 crore in digital loan repayments via BBPS and Hello Ujjivan in FY 2024–25.

  • Launched a Business Mobile App with 90 features and expanded DIY digital acquisition including Digital Current Accounts for individuals; 263 accounts opened by March 2025 on the new DIY CA channel.

  • Implemented UPI Autopay, merchant sound boxes for real-time confirmations, and strengthened cybersecurity with Protectt.ai and ISO/IEC 27001:2022 certification; automated 51 processes via RPA saving Rs 14.13 crore and 7.08 lakh man-hours.

  • Executed two NPA sales via ARC amounting to Rs 270 crore and Rs 364 crore, optimising provisioning by about Rs 65 crore; fully provided for SRs as per auditor requirements.

  • Calibrated microfinance growth with Guardrails 1.0 and 2.0, state-level credit norms, and risk-based pricing amid sector stress and Karnataka micro-loan ordinance developments.

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Frequently Asked Questions

Ujjivan Small Finance Bank has delivered 35.56% return over the last 52 weeks. During this period, the stock hit a 52-week high of ₹68.00 on 23 Jan 2026 and a 52-week low of ₹41.32 on 14 Aug 2025. It is currently trading at ₹65.70 as of 20 Jul 2026.

The all-time high (ATH) for Ujjivan Small Finance Bank was ₹66.87, recorded on 13 Jul 2026. At the current price of ₹65.70, the stock is trading 1.75% below its all-time high. The all-time low recorded was ₹13.80 on 22 Jun 2022.

Ujjivan Small Finance Bank has delivered a 118.45% absolute return over the past 5 years, equivalent to a CAGR of 16.92% per annum. The stock was priced at ₹30.08 in Jul 2021 and has risen to ₹65.70 as of 20 Jul 2026. An investment of ₹1,00,000 in Ujjivan Small Finance Bank five years ago would be worth ₹2,18,450.00 today.

No,Ujjivan Small Finance Bank has not declared any dividend over the past 5 years. The company paid a total dividend of 2.75 per share between FY2022 and FY2026, with the most recent dividend of ₹1.50 per share for May 24, with an ex-dividend date of 12 Jul 2024. At the current market price of ₹65.70, the trailing dividend yield of Ujjivan Small Finance Bank stands at 2.00%.

The intraday low for Ujjivan Small Finance Bank on the NSE today was ₹64.51. The stock's 52-week low stands at ₹41.32, recorded on 14 Aug 2025. Today's low is 56.12% above the 52-week low, indicating the stock is trading well above its yearly lows.

Ujjivan Small Finance Bank has delivered a return of 13.01% over the last 3 months. The stock was trading at ₹57.41 on 20 Apr 2026 and is currently at ₹65.70 as of 20 Jul 2026, reflecting a Gain of ₹8.29 per share over this period.

The intraday high for Ujjivan Small Finance Bank on the NSE today (20 Jul 2026) was ₹65.90. This compares to the 52-week high of ₹68.00 recorded on 23 Jan 2026. Today's high was -3.09% below the 52-week high.

For Q4 FY26, Ujjivan Small Finance Bank reported: Revenue (Net Sales): ₹20943.60 Cr - Up 6.86% year-on-year from ₹19599.20 Cr in Q3 FY26. Net Income (PAT): ₹2819.70 Cr - Up 51.83% year-on-year from ₹1857.20 Cr in Q3 FY26.

As of 20 Jul 2026, the share price of Ujjivan Small Finance Bank is ₹65.70 on the NSE and ₹65.60 on the BSE. The stock opened at ₹64.69, touched a high of ₹65.90 and a low of ₹64.51 during today's session.

Over the last 6 months, Ujjivan Small Finance Bank has given a return of 12.07%. The stock was priced at ₹57.89 on 20 Jan 2026 and has Rise to ₹65.70 as of 20 Jul 2026, a change of ₹7.81 per share.

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