May 1st, 2025 — Ujjivan Small Finance Bank [BSE: 542904; NSE: UJJIVANSFB] reported strong performance for Q4FY25, with total deposits rising 20% YoY to ₹37,630 crore and the secured loan book growing to 44% of total advances, up from 39% in Q3.
The gross loan book reached ₹32,122 crore, up 5% QoQ and 8% YoY, supported by the bank’s highest-ever quarterly disbursement of ₹7,440 crore. The secured portfolio crossed ₹13,988 crore, driven by growth in housing and MSME segments. Asset quality remained strong with GNPA at 2.2%, NNPA at 0.5%, and a provision coverage ratio of 78%.
CASA deposits grew 15% YoY to ₹9,612 crore, with the CASA ratio improving 43 bps QoQ to 25.5%. Retail TD and CASA together stood at ₹26,676 crore, up 21% YoY.
The bank reported a Q4FY25 PAT of ₹83 crore and full-year FY25 PAT of ₹726 crore. FY25 total income rose 11% YoY to ₹7,201 crore; NIM stood at 8.8%, and RoA/RoE at 1.6%/12.4%. Capital adequacy remained strong at 23.1%, and average daily LCR was 120%.
“FY25 has been an eventful wherein the bank navigated the challenging business environment in the Micro Banking segment maintaining one of the best in industry portfolio quality. Strategic initiative to diversify and build higher share of secured loan book saw significant progress, now contributing 44% of the loan portfolio, up from 30% last year…” said Mr. Sanjeev Nautiyal, MD & CEO, Ujjivan Small Finance Bank.
In February, the bank applied to the RBI to transition to a universal bank.
