Ujjivan Small Finance Bank Limited

Web: ujjivansfb.in NSE: UJJIVANSFB BSE: 542904 SECTOR: Financial Services - Banks

69 4(5%)

Near 52W High of 72

Volume

69L as on 19, Jun

Open

High

Low

VWAP

52 Week High

52 Week Low

Viand Research Rating

Quality Score

55/100

Growth Score

2/100

Valuation Score

50/100

Momentum Score

70/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

13,378

No. of Shares

194

P/E

5.91

P/B

1.33

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

22.42

ROCE

Profit Growth

Listing Date

12-Dec-19

Promoter Holding

FII Holding

17.23%

DII Holding

31.12%

Price Chart

Price Performance

1 Week5%

1 Month6%

3 Months9%

6 Months3%

1 Year18%

YTD3%

Moving Average

5 Day SMA57

10 Day SMA55

20 Day SMA55

30 Day SMA55

50 Day SMA57

61 Day SMA56

80 Day SMA44

200 Day SMA39

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	63	59	61	63
Resistance 2	61	59	60	61
Resistance 1	60	59	59	60
Pivot Point	58	59	58	58
Support 1	57	58	57	57
Support 2	56	58	57	56
Support 3	54	58	56	54

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,708	746	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,380	1433	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,35,523	1014	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,47,464	1040	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,33,640	422	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,984	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,80,565	1223	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,02,712	1891	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,41,507	1026	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,86,506	1859	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(0.01) 0.00%	(0.01) 0.00%	(0.01) 0.00%	(0.01) 0.00%	(0.01) 0.00%	(0.01) 0.00%	(0.01) 0.00%	(-73.51) 0.00%	(-0.11) 73.52%	(-0.11) 73.60%	(0.01) 73.66%	(0.01) 73.67%	(0.01) 73.67%	(0.01) 73.68%	(-9.61) 73.68%	(0.01) 83.32%	(0.01) 83.32%	(0.01) 83.32%	(0.01) 83.32%
FIIs	(1.81) 17.23%	(-1.61) 15.45%	(-2.51) 17.05%	(0.01) 19.55%	(1.61) 19.51%	(-2.81) 17.87%	(-4.11) 20.62%	(21.21) 24.68%	(-0.21) 3.48%	(0.21) 3.70%	(-0.41) 3.54%	(1.91) 3.90%	(-0.31) 1.96%	(-1.01) 2.29%	(3.11) 3.25%	(0.01) 0.18%	(0.01) 0.14%	(0.01) 0.11%	(0.01) 0.13%
DIIs	(2.51) 31.12%	(8.51) 28.67%	(3.31) 20.13%	(8.41) 16.82%	(1.91) 8.47%	(0.11) 6.58%	(-0.81) 6.50%	(5.01) 7.33%	(-1.71) 2.33%	(-0.21) 3.99%	(-2.91) 4.21%	(-1.31) 7.07%	(0.11) 8.35%	(-0.91) 8.21%	(8.41) 9.08%	(0.01) 0.65%	(-0.11) 0.66%	(-0.41) 0.75%	(0.01) 1.18%
Public	51.65%	55.88%	62.83%	63.61%	72.03%	75.54%	72.87%	67.99%	20.67%	18.72%	18.59%	15.35%	16.00%	15.83%	13.99%	15.85%	15.88%	15.82%	15.37%
No. of Shareholders	787,997	840,960	937,143	984,265	1,124,090	1,138,626	1,068,325	914,077	690,424	598,080	452,749	294,885	278,288	276,665	263,629	272,548	270,300	261,782	249,034

Quarterly Results

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Sales	1878	1752	1682	1619	1573	1591	1613	1577	1529	1471	1391	1287	1185	1082	993	905	818	708	645
Sales Growth % (YoY)	19.4%	10.1%	4.3%	2.6%	2.9%	8.2%	15.9%	22.6%	29%	36%	40.1%	42.1%	44.8%	52.8%	54%	41.1%	32.4%	2.8%	-
Sales Growth % (QoQ)	7.2%	4.2%	3.9%	2.9%	-1.1%	-1.4%	2.3%	3.1%	3.9%	5.8%	8.1%	8.6%	9.5%	9%	9.7%	10.6%	15.5%	9.8%	-
Expenses	1029	1051	1018	969	1039	923	841	739	730	650	576	538	505	447	415	454	498	603	812
Operating Profit	64	-51	-96	-113	-174	-36	103	203	203	210	248	255	233	250	248	146	46	-149	-421
OPM %	3	-3	-6	-7	-11	-2	6	13	13	14	18	20	20	23	25	16	6	-21	-65
Other Income	307	295	256	249	270	172	207	197	236	185	189	177	179	139	147	125	127	104	55
Interest	785	751	761	763	709	704	669	636	595	611	568	494	447	385	330	306	274	254	254
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	371	244	160	136	95	136	310	400	440	394	436	432	412	389	395	271	173	-46	-366
Tax %	24	24	24	24	12	20	25	25	25	24	25	25	25	25	25	25	27	-26	-25
Net Profit	282	186	122	103	83	109	233	301	330	300	328	324	310	293	294	203	127	-34	-274
Net Profit Growth % (QoQ)	51.6%	52.5%	18.4%	24.1%	-23.9%	-53.2%	-22.6%	-8.8%	10%	-8.5%	1.2%	4.5%	5.8%	-0.3%	44.8%	59.8%	473.5%	87.6%	-
Net Profit Growth % (YoY)	239.8%	70.6%	-47.6%	-65.8%	-74.8%	-63.7%	-29%	-7.1%	6.5%	2.4%	11.6%	59.6%	144.1%	961.8%	207.3%	-	-	-	-
TTM Net Profit	693	494	417	528	726	973	1164	1259	1282	1262	1255	1221	1100	917	590	22	-181	-308	0
EPS in Rs	1.45	0.96	0.63	0.53	0.43	0.56	1.2	1.56	1.68	1.53	1.68	1.66	1.58	1.5	1.51	1.17	0.73	-0.2	-1.58

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2013	Mar 2012	Jan 1900
Sales	6931	6354	5677	4165	2813	2806	2704	1832	1468	223	148	217
Sales Growth %	9.1%	11.9%	36.3%	48.1%	0.2%	3.8%	47.6%	24.8%	576.8%	50.1%	-	-
Expenses	4067	3406	2396	1730	2603	1944	1417	1053	922	102	93	111
Operating Profit	-196	230	1014	968	-830	-215	217	54	-61	40	-3	-3
OPM %	-3	4	18	23	-30	-8	8	3	-4	18	-2	-1
Other Income	1108	846	787	589	360	302	322	206	111	11	8	9
Interest	3060	2718	2268	1467	1039	1078	1070	725	607	81	59	109
Depreciation	0	135	98	90	80	77	73	61	41	3	2	5
Profit before tax	911	942	1702	1467	-550	10	466	199	9	49	2	1
Tax %	24	23	25	25	-25	19	25	0	22	31	22	94
Net Profit	693	726	1281	1100	-415	8	350	199	7	34	2	0
Net Profit Growth %	-4.5%	-43.3%	16.5%	365.1%	-5287.5%	-97.7%	75.9%	2742.9%	-79.4%	1600%	-	-
EPS in Rs	3.57	3.75	6.54	5.63	-2.4	0.05	2.02	1.38	0.05	0	0	0
Dividend Payout %	0	0	6	22	0	0	0	0	0	48	0	0

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2013	Mar 2012
Cash from Operating Activity	1843	2028	1593	1060	2554	2657	242	478	2314	-7084	-409	-168
Cash from Investing Activity	-2481	-1793	-865	-2096	-841	-1356	-757	-148	-101	-161	3	1
Cash from Financing Activity	911	398	-519	1186	-1484	-706	776	287	-2439	7931	427	269
Net Cash Flow	274	633	210	150	230	595	261	617	-225	687	21	102

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2013	Mar 2012
Equity Capital	1943	1937	1935	1934	519	1955	1728	1728	1728	1440	1440	1440	66	57
Reserves	4776	4293	4148	3866	5095	2054	874	1290	1260	180	7	0	256	185
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	1419	1211	1130	1127	1176	929	754	779	490	377	201	298	41	38
Total Liabilities	57541	49614	47689	43619	40422	33317	23612	20380	18411	13742	9473	8436	1360	898
Fixed Assets	493	490	444	480	395	265	244	276	280	282	194	137	11	11
CWIP	0	0	13	0	32	18	6	5	21	2	4	3	0	0
Investments	12724	11603	11730	10592	9766	8510	4153	2516	2396	1527	1232	1447	0	0
Other Assets	44324	37521	35502	32547	30230	24524	19210	17583	15715	11931	8042	6849	1349	886
Total Assets	57541	49614	47689	43619	40422	33317	23612	20380	18411	13742	9473	8436	1360	898

Delivery

#	Date	52 30% 67	Value (Cr)	Q/T 306	Del 51	Del 73
1	22-Jul	65	55	300	47	26
2	21-Jul	66	74	250	48	36
3	20-Jul	66	46	271	43	19
4	17-Jul	65	130	480	48	62
5	16-Jul	66	76	239	40	31
6	15-Jul	66	96	263	43	41
7	14-Jul	65	146	292	43	62
8	13-Jul	67	188	306	42	80
9	10-Jul	65	257	350	53	136
10	9-Jul	63	165	361	51	84
11	8-Jul	60	67	200	52	35
12	7-Jul	62	124	283	48	60
13	6-Jul	60	74	294	49	36
14	3-Jul	60	176	391	50	88
15	2-Jul	61	133	355	63	84
16	1-Jul	61	150	319	56	83
17	30-Jun	59	173	422	59	103
18	29-Jun	57	53	190	59	31
19	25-Jun	56	36	197	49	18
20	24-Jun	57	54	250	51	27
21	23-Jun	56	34	251	54	18
22	22-Jun	57	35	131	52	18
23	19-Jun	57	40	262	49	19
24	18-Jun	59	78	356	59	46
25	17-Jun	57	25	183	57	14
26	16-Jun	57	47	208	51	24
27	15-Jun	57	64	258	49	31
28	12-Jun	55	77	300	61	47
29	11-Jun	53	31	139	56	18
30	10-Jun	53	39	258	55	22
31	9-Jun	54	69	294	58	40
32	8-Jun	52	51	244	46	23
33	5-Jun	54	79	446	56	45
34	4-Jun	53	55	382	52	29
35	3-Jun	54	79	362	55	44
36	2-Jun	53	45	172	45	20
37	1-Jun	54	53	284	46	24
38	29-May	54	23	157	43	10
39	27-May	54	29	254	41	12
40	26-May	55	45	238	38	17
41	25-May	55	83	335	51	42
42	22-May	52	38	276	49	19
43	21-May	53	70	206	46	32
44	20-May	54	57	261	53	30
45	19-May	54	45	300	48	22
46	18-May	54	76	262	57	44
47	15-May	56	44	194	47	21
48	14-May	56	70	284	40	28

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	13,378c	765c	6.06
22-Jul	12,613c	189c	1.47
21-Jul	12,802c	177c	1.40
17-Jul	12,625c	181c	1.41
16-Jul	12,806c	53c	0.41
15-Jul	12,858c	136c	1.07
14-Jul	12,722c	296c	2.27
13-Jul	13,018c	247c	1.93
10-Jul	12,771c	500c	4.07
09-Jul	12,271c	658c	5.66
08-Jul	11,613c	471c	3.90
07-Jul	12,084c	414c	3.55
06-Jul	11,670c	370c	3.07
02-Jul	12,039c	91c	0.77
01-Jul	11,948c	549c	4.81
30-Jun	11,399c	463c	4.23
29-Jun	10,936c	21c	0.20
26-Jun	10,915c	138c	1.25
25-Jun	11,053c	58c	0.53
24-Jun	11,111c	193c	1.76
23-Jun	10,919c	91c	0.83
22-Jun	11,010c	140c	1.26
19-Jun	11,150c	86c	0.78
17-Jun	11,064c	47c	0.42
16-Jun	11,111c	49c	0.44
15-Jun	11,062c	424c	3.98
12-Jun	10,638c	323c	3.13
11-Jun	10,315c	107c	1.03
10-Jun	10,422c	0	0

Stock Checklist

Price is above from 52 week high low average: 77%

Stock is trading above all short term SMAs: YES

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: YES

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 215 fund scheme(s) across 26 fund house(s) as of Jul26 · Total value ₹8,382 Cr · 15 increasing / 28 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
UTI Mutual Fund	12	11.49%	-	1429.4
Tata Mutual Fund	6	9.98%	-	914
Aditya Birla Sun Life Mutual Fund	12	2.34%	-	790.3
Franklin Templeton Mutual Fund	6	1.15%	-0.09%	659
Axis Mutual Fund	8	1.23%	-	524.1
Sundaram Mutual Fund	10	1.46%	-	524
Kotak Mahindra Mutual Fund	8	1.18%	+0.06%	501.5
DSP Mutual Fund	8	15.61%	-	481.6
Union Mutual Fund	30	21.21%	-	447.3
Mahindra Manulife Mutual Fund	10	2.17%	-0.08%	417.2
Canara Robeco Mutual Fund	6	0.95%	-	362.6
Baroda BNP Paribas Mutual Fund	20	2.04%	-	239.3
Motilal Oswal Mutual Fund	8	2.52%	-	210.7
JM Financial Mutual Fund	6	35.90%	-0.08%	205.3
Bandhan Mutual Fund	12	4.17%	-	175.9
Bajaj Finserv Mutual Fund	8	1.71%	-0.12%	140.7
LIC Mutual Fund	10	1.77%	-	107.4
ITI Mutual Fund	8	1.01%	-0.13%	96.5
Groww Mutual Fund	12	2.47%	-	47.9
Sundaram Asset Management Company Ltd	1	2.84%	+2.84%	45.9
Edelweiss Mutual Fund	2	0.48%	-	30.9
WhiteOak Capital Mutual Fund	2	1.73%	-0.57%	20.5
Samco Mutual Fund	4	3.08%	+0.03%	8.1
The Wealth Company Mutual Fund	2	1.42%	-	1.5
Angel One Mutual Fund	2	0.05%	-	0.1
Mirae Asset Mutual Fund	2	0.05%	-	0

Ujjivan Small Finance Bank Limited

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