About Ujjivan Small Finance Bank Limited
Data last updated: 14 July 2026
Ujjivan Small Finance Bank Limited is a public limited company based in Bengaluru, Karnataka, India, a subsidiary of Ujjivan Financial Services Limited. It specialises in banking institutions, a part of the broader financial services sector. Incorporated on 04 July 2016, the company has been in operation for over 10 years.
Registered with ROC Bangalore under CIN L65110KA2016PLC142162. Listed on BSE: 542904 and NSE: UJJIVANSFB.
Capital: an authorised share capital of ₹2,625 Cr and a paid-up capital of ₹1,945.26 Cr. It is led by directors including Rajesh Kumar Jogi and Ravichandran Venkataraman.
Last AGM: 27 June 2025. Financial statements filed for year ended 31 March 2025. Office: Grapegarden No.27 3Rdacross 18Thmain6Thblock Koramangala, Bengaluru, Karnataka, India – 560095.
As per NSE-filed standalone financials for FY 2026, the company reported a revenue of ₹6,931.45 Cr, a growth of 9.08% compared to the previous year. The net worth stands at ₹6,815.67 Cr (up 12.04% YoY). Total assets are valued at ₹57,541 Cr (up 20.66% YoY).
The company has a workforce of approximately 21,203 employees as per the latest available data. It operates as a subsidiary of Ujjivan Financial Services Limited.
The company is associated with 2 brands - Ujjivan Small Finance Bank, Ujjivan. As per MCA filings, the company has satisfied charges of ₹6,616.16 Cr on record.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website ujjivansfb.in.
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Registered AddressGrapegarden No.27 3Rdacross 18Thmain6Thblock Koramangala, Bengaluru, Karnataka, India – 560095
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IndustryFinancial Services, Banking Institutions
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
- PDF report delivered after checkout
CIN History of Ujjivan Small Finance Bank Limited
Ujjivan Small Finance Bank Limited has 2 previous CINs, indicating changes in the company's corporate structure or registration details. The current CIN is L65110KA2016PLC142162, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| L65110KA2016PLC142162 | Current |
| U65110DL2016PLC302481 | Previous |
| L65110DL2016PLC302481 | Previous |
Associated Brands with Ujjivan Small Finance Bank Limited
Ujjivan Small Finance Bank Limited operates two associated brands: Ujjivan Small Finance Bank and Ujjivan. These brands represent Ujjivan Small Finance Bank Limited's diversified market presence and brand portfolio.
| Brand | Description | Website |
|---|---|---|
| Small finance services are extended to underserved segments in India. | ujjivansfb.in | |
| Microfinance and banking services are provided to urban poor communities. | ujjivan.com |
Competitors & Alternatives of Ujjivan Small Finance Bank Limited
Brands and companies operating in the same space as Ujjivan Small Finance Bank Limited include AU Small Finance Bank, ESAF, Jana Small Finance Bank and 7 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
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Collateralised loans for commercial vehicles are extended to rural entrepreneurs. | Jaipur, India, India | 1996 |
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Microfinance banking services are offered in India by ESAF. | Thrissur, India, India | 1992 |
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Microfinance bank | Bengaluru, India, India | 1999 |
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Small finance bank offering savings accounts, deposits, and loan products | Mumbai, India, India | 2008 |
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Small finance bank | Chennai, India, India | 2007 |
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Small finance bank | Varanasi, India, India | 2009 |
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Microfinance services including savings accounts and loans are provided. | Jalandhar, India, India | 2016 |
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Micro loans for businesses are offered by this NBFC. | Delhi, India, India | 1990 |
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Provider of micro-credit & insurance for low income income individuals and women | Secunderabad, India, India | 1997 |
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Microfinance loans are extended to low-income women entrepreneurs. | Ernakulam, India, India | 2010 |
Business Activity of Ujjivan Small Finance Bank Limited
Ujjivan Small Finance Bank Limited is engaged in the principal business activity of financial and insurance service, with detailed activities including banking activities by central, commercial and saving banks.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance Service | K1 | Banking activities by Central, Commercial and Saving banks | Locked |
Business activity turnover details for Ujjivan Small Finance Bank Limited
Turnover contribution percentages and historical activity changes require an active report plan.
- Turnover contribution
- Historical classifications
- Filing-level activity changes
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Auditor Details of Ujjivan Small Finance Bank Limited
Ujjivan Small Finance Bank Limited is audited by Deloitte Haskins & Sells (ICAI peer reviewed, certificate valid till 2027-03-31); Abarna & Ananthan (ICAI peer reviewed, certificate valid till 2028-09-30) for the financial year 2026, as reported in its NSE exchange filings. The statutory auditor is responsible for expressing an independent opinion on whether the financial statements present a true and fair view in accordance with applicable accounting standards.
| Name | Financial year | Audit opinion |
|---|---|---|
| Deloitte Haskins & Sells (ICAI peer reviewed, certificate valid till 2027-03-31); Abarna & Ananthan (ICAI peer reviewed, certificate valid till 2028-09-30) | FY 2026 | Declaration of unmodified opinion |
Board of Directors of Ujjivan Small Finance Bank Limited
Ujjivan Small Finance Bank Limited is currently managed by 9 directors, with 25 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.
Financials of Ujjivan Small Finance Bank Limited FY 2026 filings available
Ujjivan Small Finance Bank Limited reported revenue of ₹6,931.45 Cr (up 9.08% YoY) for FY 2026.
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue from Operations | ₹6,931.45 Cr | ₹6,354.39 Cr | ₹5,677.16 Cr | ₹2,812.81 Cr | ₹2,806.07 Cr | ₹2,703.6 Cr |
| Interest Earned | ₹6,931.45 Cr | ₹6,354.39 Cr | ₹5,677.16 Cr | ₹2,812.81 Cr | ₹2,806.07 Cr | ₹2,703.6 Cr |
| Other Income | ₹1,107.52 Cr | ₹846.2 Cr | ₹786.75 Cr | ₹313.27 Cr | ₹310.82 Cr | ₹322.21 Cr |
| Total Income | ₹8,038.97 Cr | ₹7,200.59 Cr | ₹6,463.91 Cr | ₹3,126.08 Cr | ₹3,116.89 Cr | ₹3,025.81 Cr |
| Employee Benefit Expense | ₹1,790.97 Cr | ₹1,499.49 Cr | ₹1,183.18 Cr | ₹812.6 Cr | ₹748.78 Cr | ₹718.49 Cr |
| Interest Expended | ₹3,060.45 Cr | ₹2,718.12 Cr | ₹2,267.7 Cr | ₹1,039.21 Cr | ₹1,077.51 Cr | ₹1,070.01 Cr |
| Operating Expenses | ₹3,268.39 Cr | ₹2,793.24 Cr | ₹2,279.1 Cr | ₹1,496.38 Cr | ₹1,230.08 Cr | ₹1,318.57 Cr |
| Operating Profit before Provisions | ₹1,710.13 Cr | ₹1,689.23 Cr | ₹1,917.11 Cr | ₹590.49 Cr | ₹809.3 Cr | ₹637.23 Cr |
| Provisions (other than tax) | ₹799.1 Cr | ₹747.66 Cr | ₹214.94 Cr | ₹1,140.84 Cr | ₹799.1 Cr | ₹170.99 Cr |
| Profit Before Tax | ₹911.03 Cr | ₹941.57 Cr | ₹1,702.17 Cr | -₹550.35 Cr | ₹10.2 Cr | ₹466.24 Cr |
| Total Tax Expense | ₹218.4 Cr | ₹215.47 Cr | ₹420.67 Cr | -₹135.77 Cr | ₹1.9 Cr | ₹116.32 Cr |
| Net Profit | ₹692.63 Cr | ₹726.1 Cr | ₹1,281.5 Cr | -₹414.58 Cr | ₹8.3 Cr | ₹349.92 Cr |
| Basic EPS | ₹3.57 | ₹3.75 | ₹6.65 | ₹-2.40 | ₹0.05 | ₹2.19 |
| Diluted EPS | ₹3.51 | ₹3.71 | ₹6.54 | ₹-2.40 | ₹0.05 | ₹2.18 |
| Gross NPA | ₹916.71 Cr | ₹695.89 Cr | ₹612.52 Cr | ₹1,284.08 Cr | ₹1,070.6 Cr | ₹137.14 Cr |
| Gross NPA % | 0.02% | 0.02% | 0.00% | 0.07% | 0.07% | 0.01% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.01% | 0.03% | 0.00% |
| Return on Assets % | 0.01% | 0.00% | 0.00% | -0.02% | 0.00% | 0.02% |
| CET1 Ratio % | 0.20% | 0.00% | 0.00% | 0.16% | 0.23% | 0.26% |
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Total Assets | ₹57,541 Cr | ₹47,689 Cr | ₹40,422 Cr | - | - | - |
| Equity (Net Worth) | ₹6,815.67 Cr | ₹6,083.41 Cr | ₹3,934.61 Cr | ₹2,975.03 Cr | ₹2,966.4 Cr | ₹1,907.81 Cr |
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2022 |
|---|---|---|---|---|
| Operating Cash Flow | ₹1,843.2 Cr | ₹2,028.2 Cr | ₹1,582.46 Cr | ₹2,546.71 Cr |
| Investing Cash Flow | -₹2,480.67 Cr | -₹1,793.44 Cr | -₹854.16 Cr | -₹840.98 Cr |
| Financing Cash Flow | ₹911.35 Cr | ₹398.25 Cr | -₹518.73 Cr | -₹1,483.76 Cr |
| Dividends Paid | ₹0 | ₹290.08 Cr | ₹68.34 Cr | ₹0 |
| Net Change in Cash | ₹273.88 Cr | ₹633.01 Cr | ₹209.58 Cr | ₹221.98 Cr |
| Metrics | Q4 FY26 | Q3 FY26 | Q2 FY26 | Q1 FY26 | Q4 FY25 | Q3 FY25 | Q2 FY25 | Q1 FY25 | Q4 FY24 | Q3 FY24 | Q2 FY24 | Q2 FY23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | ₹1,878.36 Cr | ₹1,751.92 Cr | ₹1,682.31 Cr | ₹1,618.84 Cr | ₹1,573.36 Cr | ₹1,591.07 Cr | ₹1,612.79 Cr | ₹1,577.18 Cr | ₹1,528.51 Cr | ₹1,470.63 Cr | ₹1,391.14 Cr | ₹993.18 Cr |
| Interest Earned | ₹1,878.36 Cr | ₹1,751.92 Cr | ₹1,682.31 Cr | ₹1,618.84 Cr | ₹1,573.36 Cr | ₹1,591.07 Cr | ₹1,612.79 Cr | ₹1,577.18 Cr | ₹1,528.51 Cr | ₹1,470.63 Cr | ₹1,391.14 Cr | ₹993.18 Cr |
| Other Income | ₹306.7 Cr | ₹295.48 Cr | ₹256.35 Cr | ₹248.99 Cr | ₹269.69 Cr | ₹172.17 Cr | ₹207.25 Cr | ₹197.09 Cr | ₹236.13 Cr | ₹184.76 Cr | ₹188.64 Cr | ₹146.65 Cr |
| Total Income | ₹2,185.06 Cr | ₹2,047.4 Cr | ₹1,938.66 Cr | ₹1,867.83 Cr | ₹1,843.05 Cr | ₹1,763.24 Cr | ₹1,820.04 Cr | ₹1,774.27 Cr | ₹1,764.64 Cr | ₹1,655.39 Cr | ₹1,579.78 Cr | ₹1,139.83 Cr |
| Employee Benefit Expense | ₹469.95 Cr | ₹473.81 Cr | ₹435.46 Cr | ₹411.75 Cr | ₹419.61 Cr | ₹371.19 Cr | ₹368.44 Cr | ₹340.25 Cr | ₹327.29 Cr | ₹314.01 Cr | ₹273.44 Cr | ₹220.43 Cr |
| Interest Expended | ₹785.47 Cr | ₹751.45 Cr | ₹760.63 Cr | ₹762.89 Cr | ₹709.05 Cr | ₹704.33 Cr | ₹669.02 Cr | ₹635.72 Cr | ₹594.97 Cr | ₹610.7 Cr | ₹567.8 Cr | ₹329.94 Cr |
| Operating Expenses | ₹884.99 Cr | ₹856.15 Cr | ₹782.79 Cr | ₹744.46 Cr | ₹774.24 Cr | ₹699.74 Cr | ₹690.22 Cr | ₹629.03 Cr | ₹651.11 Cr | ₹587.39 Cr | ₹528.62 Cr | ₹424.91 Cr |
| Operating Profit before Provisions | ₹514.6 Cr | ₹439.8 Cr | ₹395.24 Cr | ₹360.48 Cr | ₹359.76 Cr | ₹359.17 Cr | ₹460.8 Cr | ₹509.52 Cr | ₹518.56 Cr | ₹457.3 Cr | ₹483.36 Cr | ₹384.99 Cr |
| Provisions (other than tax) | ₹143.85 Cr | ₹195.34 Cr | ₹234.96 Cr | ₹224.94 Cr | ₹264.5 Cr | ₹222.8 Cr | ₹150.51 Cr | ₹109.85 Cr | ₹79 Cr | ₹62.91 Cr | ₹46.92 Cr | -₹9.94 Cr |
| Profit Before Tax | ₹370.75 Cr | ₹244.46 Cr | ₹160.28 Cr | ₹135.54 Cr | ₹95.26 Cr | ₹136.37 Cr | ₹310.29 Cr | ₹399.67 Cr | ₹439.56 Cr | ₹394.39 Cr | ₹436.44 Cr | ₹394.93 Cr |
| Total Tax Expense | ₹88.78 Cr | ₹58.74 Cr | ₹38.56 Cr | ₹32.32 Cr | ₹11.87 Cr | ₹27.75 Cr | ₹77.26 Cr | ₹98.59 Cr | ₹109.93 Cr | ₹94.33 Cr | ₹108.7 Cr | ₹100.63 Cr |
| Net Profit | ₹281.97 Cr | ₹185.72 Cr | ₹121.72 Cr | ₹103.22 Cr | ₹83.39 Cr | ₹108.62 Cr | ₹233.03 Cr | ₹301.08 Cr | ₹329.63 Cr | ₹300.06 Cr | ₹327.74 Cr | ₹294.29 Cr |
| Basic EPS | ₹1.45 | ₹0.96 | ₹0.63 | ₹0.53 | ₹0.43 | ₹0.56 | ₹1.21 | ₹1.56 | ₹1.71 | ₹1.54 | ₹1.68 | ₹1.59 |
| Diluted EPS | ₹1.43 | ₹0.94 | ₹0.62 | ₹0.53 | ₹0.43 | ₹0.55 | ₹1.19 | ₹1.53 | ₹1.67 | ₹1.50 | ₹1.65 | ₹1.59 |
| Gross NPA | ₹916.71 Cr | ₹879.39 Cr | ₹843.11 Cr | ₹834.35 Cr | ₹695.89 Cr | ₹811.23 Cr | ₹749.96 Cr | ₹697.24 Cr | ₹612.52 Cr | ₹570.74 Cr | ₹585.8 Cr | ₹928.86 Cr |
| Gross NPA % | 0.02% | 0.02% | 0.02% | 0.03% | 0.02% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% |
| Net NPA % | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Return on Assets % | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% |
| CET1 Ratio % | 0.20% | 0.20% | 0.20% | 0.21% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.22% |
| Segment · Q4 FY26 (latest quarter) | Revenue | Result (PBIT) | Assets | Liabilities |
|---|---|---|---|---|
| Treasury | ₹217.23 Cr | ₹12 Cr | ₹16,128 Cr | ₹14,217 Cr |
| Retail banking | ₹1,909.32 Cr | ₹327.59 Cr | ₹38,166 Cr | ₹33,645 Cr |
| Wholesale banking | ₹58.51 Cr | ₹45.22 Cr | ₹2,988.88 Cr | ₹2,634.85 Cr |
| Segment · FY 2026 (annual) | Revenue | Result (PBIT) | Assets | Liabilities |
|---|---|---|---|---|
| Treasury | ₹936.08 Cr | ₹128.39 Cr | - | - |
| Retail banking | ₹6,876.96 Cr | ₹712.59 Cr | - | - |
| Wholesale banking | ₹225.93 Cr | ₹125.41 Cr | - | - |
Shareholding Pattern of Ujjivan Small Finance Bank Limited
As per the shareholding pattern filed with NSE for the quarter ended Mar 2026, promoters hold 0.00%, foreign institutional investors hold 17.23%, domestic institutional investors hold 31.13%, retail and other public shareholders hold 51.64% of Ujjivan Small Finance Bank Limited. The company had 787,997 shareholders on record.
| Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Promoters | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Public | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | |
|---|---|---|---|---|---|---|---|
| Promoters | 0.00% | 0.00% | 73.52% | 73.67% | 83.32% | 83.32% | 83.32% |
| Public | 100.00% | 100.00% | 26.48% | 26.33% | 16.68% | 16.68% | 16.68% |
| Promoter change (YoY, %pts) | +0.00 | -73.52 | -0.15 | -9.65 | +0.00 | +0.00 | - |
Board & Governance of Ujjivan Small Finance Bank Limited
As per the corporate governance filing with NSE for the quarter ended 31-MAR-2026, the board of Ujjivan Small Finance Bank Limited has 9 directors - 7 independent and 2 executive. The board is chaired by Banavar Anatharamaiah Prabhakar.
| Director | Position | On board since | Listed boards |
|---|---|---|---|
| Banavar Anatharamaiah Prabhakar | Non-Executive - Independent Director · Chairperson | 2021-08-20 | 2 |
| Sanjeev Nautiyal | Executive Director · CEO-MD | 2024-07-01 | 1 |
| Carol Furtado | Executive Director | 2024-05-01 | 1 |
| Rajni Mishra | Non-Executive - Independent Director | 2020-12-16 | 4 |
| Rajesh Kumar Jogi | Non-Executive - Independent Director | 2021-08-25 | 1 |
| Ravichandran Venkataraman | Non-Executive - Independent Director | 2021-08-20 | 1 |
| Sudha Suresh | Non-Executive - Independent Director | 2022-04-01 | 2 |
| Mona Kachhwaha | Non-Executive - Independent Director | 2024-05-18 | 2 |
| Aniruddha Paul | Non-Executive - Independent Director | 2026-01-22 | 1 |
| Committee | Members |
|---|---|
| Audit Committee | Sudha Suresh (Chairperson), Rajesh Kumar Jogi, Rajni Mishra, Ravichandran Venkataraman, Mona Kachhwaha |
| Nomination and remuneration committee | Rajni Mishra (Chairperson), Ravichandran Venkataraman, Banavar Anatharamaiah Prabhakar, Rajesh Kumar Jogi |
| Stakeholders Relationship Committee | Banavar Anatharamaiah Prabhakar (Chairperson), Sudha Suresh, Ravichandran Venkataraman, Sanjeev Nautiyal |
| Risk Management Committee | Rajesh Kumar Jogi (Chairperson), Banavar Anatharamaiah Prabhakar, Rajni Mishra, Sudha Suresh, Mona Kachhwaha, Carol Furtado, Sanjeev Nautiyal |
| Corporate Social Responsibility Committee | Rajni Mishra (Chairperson), Rajesh Kumar Jogi, Sudha Suresh, Carol Furtado |
Charges & Borrowings of Ujjivan Small Finance Bank Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 28 Nov 2019 | Hdfc Bank Limited | ₹4.5 Cr | Satisfied |
| 01 Feb 2017 | Idbi Bank Limited | ₹150 Cr | Satisfied |
| 01 Feb 2017 | Idbi Bank Limited | ₹200 Cr | Satisfied |
| 01 Feb 2017 | Others | ₹50 Cr | Satisfied |
| 01 Feb 2017 | Others | ₹135 Cr | Satisfied |
Total charge records: 74 View all charges
Employees and EPFO Compliance at Ujjivan Small Finance Bank Limited
Ujjivan Small Finance Bank Limited has a workforce of 21,203 employees as of Apr 07, 2024.
Employee and EPFO history for Ujjivan Small Finance Bank Limited
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GST Compliance of Ujjivan Small Finance Bank Limited
GST registrations and filing compliance for Ujjivan Small Finance Bank Limited
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Credit Ratings, Litigation & Regulatory Alerts for Ujjivan Small Finance Bank Limited
Credit ratings, litigation, and regulatory alerts for Ujjivan Small Finance Bank Limited
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MSME Payment Delays by Ujjivan Small Finance Bank Limited
MSME payment history for Ujjivan Small Finance Bank Limited
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Subsidiaries & Group Companies of Ujjivan Small Finance Bank Limited
Corporate group structure for Ujjivan Small Finance Bank Limited
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MCA Filings & Documents of Ujjivan Small Finance Bank Limited
MCA filings and documents for Ujjivan Small Finance Bank Limited
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Recent Activity on Ujjivan Small Finance Bank Limited
Recent News on Ujjivan Small Finance Bank Limited
Frequently Asked Questions about Ujjivan Small Finance Bank Limited
Ujjivan Small Finance Bank Limited is an active public limited company in the financial services sector based in Bengaluru, Karnataka, India. It was incorporated on 04 July 2016 (10+ years old) and is registered under CIN L65110KA2016PLC142162. Listed on BSE: 542904 and NSE: UJJIVANSFB. The company has 21,203 employees.
Ujjivan Small Finance Bank Limited reported revenue of ₹6,931.45 Cr for FY 2026 (up 9.08% YoY) based on standalone NSE filings.
The current directors of Ujjivan Small Finance Bank Limited are:
- Rajesh Kumar Jogi - Director
- Ravichandran Venkataraman - Director
- Sudha Suresh - Director
- Rajni Anil Mishra - Director
- Carol Kripanayana Furtado - Whole-Time Director
- Banavar Anantharamaiah Prabhakar - Director
- Sanjeev Nautiyal - Managing Director
- Mona Kachhwaha - Director
- Aniruddha Paul - Director
The primary industry of Ujjivan Small Finance Bank Limited is financial services. The company specifically operates in banking institutions. The company is currently active in this sector.
Yes. Ujjivan Small Finance Bank Limited is listed on both BSE (code: 542904) and NSE (symbol: UJJIVANSFB).
Ujjivan Small Finance Bank Limited can be reached at the registered office: Grapegarden No.27 3Rdacross 18Thmain6Thblock Koramangala, Bengaluru, Karnataka, India – 560095, or through the website ujjivansfb.in.