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Daily Range
Daily RangeToday's Low
₹ 34.00
Today's High
₹ 35.52
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52 Weeks Range
52 Weeks Low
₹ 13.50
52 Weeks High
₹ 33.50
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Momentum of the Stock
Momentum of the Stock Strong Bearish![]()
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Circuit Limit
Lower
₹ 27.33
Upper
₹ 41.00
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Financials Strength Score
Financials Strength Score Piotroski Score
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Company Profile
Ujjivan Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, and Corporate/Wholesale Banking segments. It provides current, savings, salary, and NRI accounts; and fixed, recurring, TASC fixed, and tax saver fixed deposits. The company's loan products include group loans, such as business, family, agriculture and allied, education, GL top-up, emergency, and loyalty loans; individual loans comprising individual business, livestock, home improvement, agriculture, and bazar loans, as well as open market livestock loan and home improvement loans, housing loans, and gold loans. Its loan products also comprise micro and small enterprise loans, which include loan against property, secured enterprise and business loans, overdraft facilities, and business edge term loans; personal loans; financial institutions group loans; emergency credit line guarantee scheme; and vehicle loans. The company also offers mobile, phone, net, SMS, and missed call banking services; debit and credit cards; and insurance products, such as credit life, endowment, term, POS, ULIP, motor, property, home content, health, and personal accident insurance. In addition, it is involved in retail forex and trade. As of March 31, 2021, the company operated 575 banking outlets and 491 ATMs. The company was incorporated in 2016 and is headquartered in Bengaluru, India. Ujjivan Small Finance Bank Limited is a subsidiary of Ujjivan Financial Services Limited.
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Companies under the same Group
Companies under the same Group
No Data Found
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Key Metrics
Key MetricsStandalone
Consolidated
No of shares Outstanding
193.5 Cr.
EPS-TTM
₹6.02
Face Value
₹10.00
Book Value
₹29.98
Net Asset Value
₹20.25
ROE
33.75%
ROA
3.86%
ROCE
28.36%
Dividend Yield
4.39%
Total Debt
₹ 2.6 Cr.
Sales Growth
48.07%
PAT Growth
365.30%
Financials
| Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|
| SOURCES OF FUNDS: | |||||||
| Total Liabilities & Total Equity | 33,316.9 | 23,612.2 | 20,380.5 | 18,411.2 | 13,742.2 | 9,473.2 | 8,435.6 |
| Share Capital | 2,154.7 | 1,928.3 | 1,928.3 | 1,928.2 | 1,640.0 | 1,640.0 | 1,640.0 |
| Share Warrants & Outstandings | 51.2 | 42.2 | 43.7 | 21.4 | 0.0 | 0.0 | 0.0 |
| Total Reserves | 2,003.2 | 832.1 | 1,246.7 | 1,238.1 | 179.6 | 6.9 | 0.0 |
| Deposits | 25,537.7 | 18,292.2 | 13,135.8 | 10,780.5 | 7,379.4 | 3,772.5 | 206.4 |
| Borrowings | 2,641.5 | 1,763.6 | 3,247.3 | 3,953.3 | 4,166.1 | 3,852.9 | 6,291.4 |
| Liabilities & Provisions | 928.6 | 753.8 | 778.6 | 489.8 | 377.1 | 200.9 | 297.7 |
| APPLICATION OF FUNDS: | |||||||
| Total Assets | 33,316.9 | 23,612.2 | 20,380.5 | 18,411.2 | 13,742.2 | 9,473.2 | 8,435.6 |
| Cash and balance with RBI | 2,305.3 | 1,690.0 | 1,711.5 | 1,224.9 | 446.5 | 197.6 | 260.9 |
| Balances with banks and money at call | 178.3 | 485.9 | 866.0 | 118.4 | 648.0 | 297.2 | 501.9 |
| Investments | 8,510.3 | 4,152.9 | 2,516.5 | 2,396.1 | 1,526.6 | 1,232.5 | 1,446.7 |
| Advances | 21,289.7 | 16,303.2 | 14,494.0 | 14,043.6 | 10,552.5 | 7,335.5 | 5,861.1 |
| Net Block | 265.3 | 243.6 | 275.9 | 279.9 | 282.4 | 194.1 | 136.6 |
| Lease Adjustment | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Capital Work in Progress | 17.6 | 5.8 | 4.8 | 20.6 | 2.1 | 4.2 | 3.2 |
| Other Assets | 750.4 | 730.9 | 511.8 | 327.7 | 284.2 | 212.1 | 225.3 |
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Financial Statement Analysis
Current Ratio
The Industry Current Ratio stands at 0.00, vs the Current Ratio of 0.00, which results in a Negative aspect.
Debt to Equity Ratio
The Industry Debt to Equity Ratio stands at 0.95, vs the Debt to Equity Ratio of 0.64, which results in a Positive aspect.
Price to BV
The Industry Price to BV stands at 2.77, vs the Price to BV of 1.39, which results in a Negative aspect.
Quick Ratio
The Industry Quick Ratio stands at 0.00, vs the Quick Ratio of 0.00, which results in a Negative aspect.
| Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|
| Total Income | 4,165.0 | 2,812.8 | 2,806.1 | 2,703.6 | 1,831.6 | 1,466.7 | 216.9 |
| Total Expenditure | 4,165.0 | 2,812.8 | 2,806.1 | 2,703.6 | 1,831.6 | 1,466.7 | 216.9 |
| Profit Before Tax | 5,107.0 | 4,817.3 | 4,051.5 | 3,445.4 | 2,356.3 | 1,931.2 | 232.6 |
| Less: Taxation | 367.3 | -135.8 | 1.9 | 116.3 | 69.2 | 2.0 | 0.9 |
| Profit After Tax | 1,099.9 | -414.6 | 8.3 | 349.9 | 199.2 | 6.9 | 0.0 |
| Earnings Per Share | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Appropriation | 1,027.6 | -71.0 | 370.3 | 468.3 | 204.4 | 6.9 | 0.0 |
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Financial Statement Analysis
PAT Margin
The Industry PAT Margin stands at 24.98, vs the PAT Margin of 26.41, which results in a Positive aspect.
Dividend Yield
The Industry Dividend Yield stands at 0.77, vs the Dividend Yield of 3.57, which results in a Positive aspect.
PE Ratio
The Industry PE Ratio stands at 18.96, vs the PE Ratio of 6.46, which results in a Negative aspect.
PAT Growth
The Industry PAT Growth stands at 71.18, vs the PAT Growth of 365.30, which results in a Positive aspect.
| Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|
| Profit Before Tax | 1,467.2 | -550.4 | 10.2 | 466.2 | 268.4 | 8.8 | 0.9 |
| Tax Paid | -280.4 | -21.5 | -209.0 | -111.5 | -39.0 | -33.7 | -0.8 |
| Adjustment | 131.9 | 1,239.6 | 971.1 | 280.1 | 104.8 | 356.1 | 30.0 |
| Changes In Working Capital | 1,467.2 | -550.4 | 10.2 | 466.2 | 268.4 | 8.8 | 0.9 |
| Cash Flow after changes in Working Capital | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Cash Flow from Operating Activities | 1,059.8 | 2,554.4 | 2,656.7 | 241.7 | 477.7 | 2,326.1 | -7,084.0 |
| Cash Flow from Investing Activities | -2,095.7 | -841.0 | -1,356.4 | -756.5 | -147.9 | -100.6 | -160.9 |
| Cash Flow from Financing Activities | 1,186.4 | -1,483.8 | -705.5 | 776.0 | 286.7 | -2,438.6 | 7,931.4 |
| Net Cash Inflow / Outflow | 150.5 | 229.7 | 594.7 | 261.1 | 616.6 | -213.1 | 686.5 |
| Opening Cash & Cash Equivalents | 2,163.2 | 1,933.5 | 1,338.8 | 1,077.6 | 461.1 | 686.5 | 0.0 |
| Effect of Foreign Exchange Fluctuations | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Closing Cash & Cash Equivalent | 2,313.7 | 2,163.2 | 1,933.5 | 1,338.8 | 1,077.6 | 473.4 | 686.5 |
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Financial Statement Analysis
PCF RATIO
The Industry PCF RATIO stands at -53.49, vs the PCF RATIO of 4.77, which results in a Positive aspect.
PFCF Ratio
The Industry PFCF Ratio stands at 109.09, vs the PFCF Ratio of -4.86, which results in a Negative aspect.
| Particulars | Sep 2024 | Jun 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 | Dec 2021 | Sep 2021 | Jun 2021 | Mar 2021 | Dec 2020 | Sep 2020 | Jun 2020 | Mar 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 16,127.9 | 15,771.8 | 14,706.3 | 13,911.4 | 12,868.8 | 11,848.3 | 10,816.2 | 9,931.8 | 9,053.7 | 8,182.4 | 7,078.7 | 6,450.4 | 6,416.6 | 6,178.5 | 6,883.2 | 7,536.1 | 7,462.8 | 7,374.9 |
| Other Income | 2,072.5 | 1,970.9 | 1,847.6 | 1,886.4 | 1,772.2 | 1,790.6 | 1,389.2 | 1,466.5 | 950.5 | 1,025.6 | 908.2 | 468.9 | 746.3 | 1,172.9 | 1,004.3 | 644.0 | 287.0 | 721.6 |
| Total Income | 18,200.4 | 17,742.7 | 16,553.9 | 15,797.8 | 14,641.0 | 13,638.9 | 12,205.4 | 11,398.3 | 10,004.2 | 9,208.0 | 7,986.9 | 6,919.3 | 7,162.9 | 7,351.4 | 7,887.5 | 8,180.1 | 7,749.8 | 8,096.5 |
| Interest Expended | 6,690.2 | 6,357.2 | 6,107.0 | 5,678.0 | 4,942.3 | 4,468.2 | 3,846.7 | 3,299.4 | 3,056.6 | 2,742.6 | 2,540.1 | 2,536.8 | 2,572.6 | 2,497.3 | 2,560.4 | 2,834.7 | 2,882.7 | 2,708.5 |
| Operating Expenses | 6,902.2 | 6,290.3 | 5,873.9 | 5,286.2 | 5,119.8 | 5,065.0 | 4,469.5 | 4,249.1 | 4,237.0 | 4,293.1 | 4,033.5 | 3,672.3 | 2,964.9 | 3,267.5 | 3,289.3 | 3,023.7 | 2,720.2 | 3,482.0 |
| Total Expenditure | 6,902.2 | 6,290.3 | 5,873.9 | 5,286.2 | 5,119.8 | 5,065.0 | 4,469.5 | 4,249.1 | 4,237.0 | 4,293.1 | 4,033.5 | 3,672.3 | 2,964.9 | 3,267.5 | 3,289.3 | 3,023.7 | 2,720.2 | 3,482.0 |
| Operating Profit Before Provisions and Contingencies | 4,608.0 | 5,095.2 | 4,573.0 | 4,833.6 | 4,578.9 | 4,105.7 | 3,889.2 | 3,849.8 | 2,710.6 | 2,172.3 | 1,413.3 | 710.2 | 1,625.4 | 1,586.6 | 2,037.8 | 2,321.7 | 2,146.9 | 1,906.0 |
| Exceptional Items | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Provisions and contingencies | 1,505.1 | 1,098.5 | 629.1 | 469.2 | 261.1 | -19.3 | -2.2 | -99.4 | 3.9 | 437.9 | 1,869.7 | 4,368.8 | 4,748.3 | -252.2 | 5,834.5 | 1,005.2 | 1,403.4 | 968.8 |
| Profit Before Tax | 3,102.9 | 3,996.7 | 3,943.9 | 4,364.4 | 4,317.8 | 4,125.0 | 3,891.4 | 3,949.2 | 2,706.7 | 1,734.4 | -456.4 | -3,658.6 | -3,122.9 | 1,838.8 | -3,796.7 | 1,316.5 | 743.5 | 937.2 |
| Tax | 772.6 | 985.9 | 943.3 | 1,087.0 | 1,077.1 | 1,030.0 | 959.5 | 1,006.3 | 677.3 | 469.2 | -118.1 | -920.7 | -788.1 | 473.9 | -1,008.4 | 356.5 | 197.0 | 205.7 |
| Profit After Tax | 2,330.3 | 3,010.8 | 3,000.6 | 3,277.4 | 3,240.7 | 3,095.0 | 2,931.9 | 2,942.9 | 2,029.4 | 1,265.2 | -338.3 | -2,737.9 | -2,334.8 | 1,364.9 | -2,788.3 | 960.0 | 546.5 | 731.5 |
| Net Profit | 2,330.3 | 3,010.8 | 3,000.6 | 3,277.4 | 3,240.7 | 3,095.0 | 2,931.9 | 2,942.9 | 2,029.4 | 1,265.2 | -338.3 | -2,737.9 | -2,334.8 | 1,364.9 | -2,788.3 | 960.0 | 546.5 | 731.5 |
| ADDITIONAL INFOS: | ||||||||||||||||||
| Equity Capital | 19,341.8 | 19,325.7 | 19,565.4 | 19,555.9 | 19,547.8 | 19,547.1 | 19,545.0 | 19,545.0 | 17,283.1 | 17,283.1 | 17,283.1 | 17,283.1 | 17,283.1 | 17,283.1 | 17,282.5 | 17,282.2 | 17,282.2 | 17,282.2 |
| Reserves | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Capital Adequacy Ratio | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| % of Net NPAs | 0.6 | 0.4 | 0.2 | 0.1 | 0.1 | 0.0 | 0.1 | 0.0 | 0.1 | 0.6 | 1.7 | 3.3 | 2.7 | 2.9 | 0.1 | 0.1 | 0.2 | 0.2 |
| % of Gross NPAs | 2.5 | 2.5 | 2.2 | 2.4 | 2.6 | 2.9 | 3.6 | 5.1 | 6.5 | 7.3 | 9.8 | 11.8 | 9.8 | 7.1 | 1.0 | 1.0 | 1.0 | 1.0 |
| Return on Assets | 0.6 | 0.7 | 0.8 | 0.9 | 1.0 | 1.0 | 1.0 | 1.2 | 0.9 | 0.6 | -0.2 | -1.4 | -1.2 | 0.7 | -1.5 | 0.5 | 0.3 | 0.4 |
| EPS | 1.2 | 1.6 | 1.5 | 1.7 | 1.7 | 1.5 | 1.5 | 1.6 | 1.2 | 0.7 | -0.2 | -1.6 | -1.4 | 0.8 | -1.6 | 0.6 | 0.3 | 0.4 |
| Operating Profit Margin | 1,819,955.8 | 1,774,189.8 | 1,655,308.5 | 1,579,701.1 | 1,464,021.8 | 1,363,809.5 | 1,220,463.1 | 1,139,754.0 | 1,000,339.4 | 920,714.0 | 798,597.1 | 691,833.8 | 716,203.7 | 735,046.7 | 788,665.0 | 817,932.3 | 774,904.9 | 809,566.1 |
| Net Profit Margin | 14.4 | 19.1 | 20.4 | 23.6 | 25.2 | 26.1 | 27.1 | 29.6 | 22.4 | 15.5 | -4.8 | -42.4 | -36.4 | 22.1 | -40.5 | 12.7 | 7.3 | 9.9 |
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Financial Statement Analysis
Mcap Growth
The Industry Mcap Growth stands at 14.54, vs the Mcap Growth of 93.41, which results in a Positive aspect.
Net Sales Growth
The Industry Net Sales Growth stands at 25.16, vs the Net Sales Growth of 48.07, which results in a Positive aspect.
Technicals
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Pivot Levels
Pivot Levels Check Advanced Levels ![]()
| Type | Classic | Woodie | Camarilla |
|---|---|---|---|
| R4 | 37.21 | 39.03 | 35.01 |
| R3 | 36.65 | 36.45 | 34.59 |
| R2 | 36.08 | 35.99 | 34.45 |
| R1 | 35.13 | 34.93 | 34.31 |
| Pivot | 34.56 | 34.47 | 34.56 |
| S1 | 33.61 | 33.41 | 34.03 |
| S2 | 33.04 | 32.95 | 33.89 |
| S3 | 32.09 | 31.89 | 33.75 |
| S4 | 31.13 | 29.91 | 33.33 |
(All Values are in INR)
The Pivot level gives the user an indication about key support & resistance levels for a selected stock.
EMA & SMA Levels 
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Beta
Beta 1 Day
0.84
1 Week
0.87
1 Month
0.89
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Indicators
Stoch RSI
0.00
Bullish
RSI
30.17
Neutral
ROC
-2.32
Bearish
UltimateOscillator
26.70
Bearish
Williams Indicator
-94.33
Bullish
CCI Indicator
-69.00
Neutral
MACD
-2,905.64
Bearish
Stochastic Indicator
8.20
Neutral
ATR
2.82
High Volatility
Corporate Actions
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Corporate Actions - Board Meet
Corporate Actions - Board Meet | Ex-Date | Ratio | Record Date |
|---|
| Ex-Date | Ratio | Record Date |
|---|---|---|
| Announcement Date | Dividend Amount | Dividend Percentage of FV | Dividend Type |
|---|---|---|---|
| 14-07-2023 | 0.50 | 5 | Final |
| 01-03-2023 | 0.75 | 7.5 | Interim |
| Date Of Conduct | Board Meeting Details |
|---|---|
| 24-10-2024 | Quarterly Results |
| 24-10-2024 | 542904 Board Meeting Intimation for Financial Results For The Period Ended September 30, 2024 Board Meeting 0.23 MB XBRLUjjivan Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 24/10/2024 ,inter alia, to consider and approve Financial Results for the period ended September 30, 2024 |
| 24-01-2024 | Quarterly Results |
| 27-10-2023 | Quarterly Results |
| 27-07-2023 | Quarterly Results |
| 11-05-2023 | Final Dividend & Audited Results |
| 21-02-2023 | Interim Dividend |
| 02-02-2023 | Quarterly Results |
| 07-11-2022 | Quarterly Results |
| 26-07-2022 | Quarterly Results |
| 08-06-2022 | Inter alia, to discuss and consider the proposal for raising of funds by way of issuance of debt securities in compliance with all applicable directions and regulations of the Reserve Bank of India and the Securities and Exchange Board of India in respect thereof, on a private placement basis, in one or more tranches, subject to applicable laws and necessary approvals from the shareholders, any governmental authorities, and any other person, as may be required/applicable. 538918 Vani Commercials Limited 08/06/2022 Preferential Issue of shares Inter alia, to consider the following matters: 1) To approve Calendar of Events of 35th Annual General Meeting (AGM) of the Company 2) To Approve Notice of AGM and authorize Company Secretary of the Company for the dispatch of the same to all stakeholders 3) To appoint Scrutinizer and E-voting Agency for the AGM 4) Such other matter with the permission of chai |
| 12-05-2022 | Audited Results |
| 05-02-2022 | Quarterly Results |
| 08-11-2021 | Quarterly Results |
| 06-08-2021 | Quarterly Results |
| 18-05-2021 | Audited Results |