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Financials Ratios
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Ujjivan Small Finance Bank Ltd.
BSE CODE: 542904   |   NSE CODE: UJJIVANSFB   |   ISIN CODE : INE551W01018   |   27-Jul-2026 11:50 Hrs IST
BSE NSE
Rs. 72.48
1.79 ( 2.53% )
 
Prev Close ( Rs.)
70.69
Open ( Rs.)
71.63
 
High ( Rs.)
73.25
Low ( Rs.)
71.12
 
Volume
2410972
Week Avg.Volume
2935850
 
52 WK High-Low Range(Rs.)
BSE NSE
Rs. 72.75
2.03 ( 2.87% )
 
Prev Close ( Rs.)
70.72
Open ( Rs.)
71.50
 
High ( Rs.)
73.29
Low ( Rs.)
71.10
 
Volume
37704554
Week Avg.Volume
44180884
 
52 WK High-Low Range(Rs.)
41.32
72.24
Particulars Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022
Operational & Financial Ratios          
   Earnings Per Share (Rs)3.57  3.75  24.70  5.51  -2.40  
   DPS(Rs)0.00  0.00  1.50  1.25  0.00  
   Book NAV/Share(Rs)34.57  30.98  79.59  20.25  14.81  
Margin Ratios          
   Yield on Advances17.43  20.24  21.12  19.56  17.25  
   Yield on Investments7.23  7.24  7.19  4.85  4.88  
   Cost of Liabilities6.19  6.72  6.74  5.21  5.18  
   NIM6.92  7.86  8.70  8.36  7.84  
   Interest Spread11.24  13.53  14.38  14.36  12.07  
Performance Ratios          
   ROA(%)1.32  1.65  3.48  3.86  -1.88  
   ROE(%)10.90  14.35  31.70  33.75  -14.98  
   ROCE(%)11.51  13.89  26.50  28.36  -7.33  
Efficiency Ratios          
   Cost Income Ratio65.65  62.31  54.31  54.82  70.14  
   Core Cost Income Ratio66.82  62.42  54.63  54.85  70.73  
   Operating Costs to Assets5.68  5.86  5.64  5.41  6.34  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  0  0  0  0  
Valuation Parameters          
   PER(x)14.17  9.17  1.79  4.59  0.00  
   PCE(x)11.72  7.73  1.67  4.16  -7.66  
   Price/Book(x)1.46  1.11  0.56  1.25  1.00  
   Yield(%)0.00  0.00  3.39  4.94  0.00  
   EV/Net Sales(x)1.96  1.50  0.79  1.87  1.61  
   EV/Core EBITDA(x)7.92  5.62  2.33  5.24  7.10  
   EV/EBIT(x)3.41  2.60  1.13  2.65  9.25  
   EV/CE(x)1.28  1.06  0.57  1.14  0.19  
   M Cap / Sales1.42  1.05  0.40  1.19  0.91  
Growth Ratio          
   Core Operating Income Growth6.46  6.65  26.37  52.12  2.61  
   Operating Profit Growth-20.99  -214.13  0.00  100.01  -48.93  
   Net Profit Growth-4.61  -43.34  16.51  365.30  -5096.93  
   BVPS Growth11.59  -61.08  293.07  36.68  -13.94  
   Advances Growth26.67  16.77  26.27  30.59  12.48  
   EPS Growth(%)-4.99  -84.81  347.99  329.89  -5096.90  
Liquidity Ratios          
   Loans/Deposits(x)0.08  0.08  0.07  0.10  0.10  
   Cash / Deposits(x)0.07  0.08  0.08  0.09  0.09  
   Investment / Deposits(x)0.28  0.31  0.31  0.33  0.23  
   IncLoan / Deposits(x)8.18  7.56  6.90  10.34  9.64  
   Credit/Deposits(%)87.06  83.42  85.45  83.37  89.13  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)0.43  0.49  0.28  0.04  0.61