Ujjivan Small Finance Bank Limited - financial services in Bengaluru, Karnataka, India. FY 2026 financials & compliance.
CIN L65110KA2016PLC142162 Incorporated 04 July 2016 ROC Bangalore HQ Bengaluru, Karnataka, India
Active Listed - NSE: UJJIVANSFB · BSE: 542904 Public Limited Company financial services Fortune India 500 · #346 India's Most Valuable
Data last updated
Market Cap
₹11,407 Cr
UJJIVANSFB · NSE
Share Price
₹59.24
+1.42% today
Revenue
₹4,979 Cr
FY 2025-26 · +11.1% YoY
Net Profit
₹693 Cr
FY 2025-26 · -4.6% YoY
P/E (TTM)
9.6x
P/B 1.5x
ROE
10.7%
as on 06 Nov 2026
Authorised capital
₹2,625 Cr
Registered with MCA
Paid-up capital
₹1,952.96 Cr
Issued & subscribed

About Ujjivan Small Finance Bank Limited

Data last updated:

Ujjivan Small Finance Bank Limited is a public limited company based in Bengaluru, Karnataka, India, a subsidiary of Ujjivan Financial Services Limited. It operates in the banking institutions segment of the financial services sector. It was incorporated on 04 July 2016 and has been in existence for over 10 years.

Ujjivan Small Finance Bank is ranked #346 on the Fortune India 500 (2025).

The company is registered with the Registrar of Companies (ROC), Bangalore, under CIN L65110KA2016PLC142162. Its GSTIN is 29AABCU9603R1ZJ (Karnataka). The company holds 24 GST registrations, all of them active. It is a listed company as per MCA records. Its shares are listed on BSE: 542904 and NSE: UJJIVANSFB.

The company has an authorised share capital of ₹2,625 Cr and a paid-up capital of ₹1,952.96 Cr. It is led by directors including Carol Kripanayana Furtado (Whole-Time Director) and Rajesh Kumar Jogi.

Its last annual general meeting (AGM) was held on 24 July 2026, and its latest financial statements are for the year ended 31 March 2026. The registered office is at Grapegarden No.27 3 Rdacross 18 Thmain6Thblock Koramangala, Bengaluru, Karnataka, India – 560095.

As per the latest standalone financials for FY 2025-26, the company reported a revenue of ₹4,978.53 Cr, a growth of 11.1% compared to the previous year. For the same year it recorded a net profit of ₹692.64 Cr (net margin 13.9%). The net worth stands at ₹6,815.68 Cr (up 12% YoY). Total assets are valued at ₹57,564 Cr (up 20.6% YoY).

The company has about 21,203 employees on its provident fund (EPFO) records.

The company is associated with 2 brands: Ujjivan Small Finance Bank and Ujjivan. As per MCA filings, the company has satisfied charges of ₹6,616.16 Cr on record. Court records list 12,582 cases involving the company, including 12,342 filed by the company and 243 filed against it; 7,255 cases are pending. The company has 9 deals on record (3 market trades, 2 funding rounds, 2 acquisitions), with disclosed funding of ₹450 Cr; the latest was in September 2025. Its 7 peer companies in the BFSI industry (Banks, Finance), with the same principal business activity (banking activities by central, commercial and saving banks) are compared by revenue, 2 larger and 5 smaller; the largest is CSB Bank Limited with revenue of ₹15. The company has 13 MSME Form 1 returns on record between 2019 and 2024, listing 327 overdue payments to 32 micro and small suppliers.

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.

Company details

CIN L65110KA2016PLC142162
Registration Number 142162
Incorporation Date 04 July 2016
ROC Bangalore
Listing Status Listed - Listed on NSE (UJJIVANSFB); Listed on BSE (542904)
Company Status Active
Date of Last AGM 24 July 2026
Date of Balance Sheet 31 March 2026
Parent Company Ujjivan Financial Services Limited
Compliance Status Active Compliant

CIN history

Ujjivan Small Finance Bank 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.

CINStatus
L65110KA2016PLC142162Current
U65110DL2016PLC302481Previous
L65110DL2016PLC302481Previous

Recognitions & Rankings of Ujjivan Small Finance Bank

Fortune India 500 2025 edition
Rank#346
Total income
₹7,201 Cr
Profit
₹726 Cr
Last year #345
India's Most Valuable Companies 2025 edition · Source: Hurun India
Valuation
₹11,060 Cr
2023 #381

Contact details

Ujjivan Small Finance Bank Limited's registered office is in Bengaluru, Karnataka. Its website is ujjivansfb.in. Its e-mail address and telephone number are in the company report.

  • Email
  • Telephone
  • Social Media
  • Apps
  • Registered Address
    Grapegarden No.27 3 Rdacross 18 Thmain6Thblock Koramangala, Bengaluru, Karnataka, India – 560095
  • Industry
    Financial Services, Banking Institutions

To see the full contact details of Ujjivan Small Finance Bank Limited, buy the company report.

Comprehensive company report
Ujjivan Small Finance Bank Limited - one report that includes everything
  • Company details, directors and signatories
  • Historical financials and ratios
  • Shareholding pattern and group structure
  • Charges with holder and property details
  • Legal cases, compliance and MCA filings
₹799 ₹999 20% off excluding 18% GST
Secure checkout · GST invoice included

Brands

Ujjivan Small Finance Bank operates two associated brands: Ujjivan Small Finance Bank and Ujjivan. Each brand links to its own profile.

BrandDescriptionWebsite
Small finance services are extended to underserved segments in India.ujjivansfb.in
Microfinance and banking services are provided to urban poor communities.ujjivan.com

Business activity

The main business activity of Ujjivan Small Finance Bank is financial and insurance service. In detail, this covers banking activities by central, commercial and saving banks.

Main activity group codeMain activityBusiness activity codeBusiness activityShare of turnover
KFinancial and insurance ServiceK1Banking activities by Central, Commercial and Saving banks

To see the full business activity and turnover split of Ujjivan Small Finance Bank Limited, buy the company report.

Financials of Ujjivan Small Finance Bank Limited

FY 2025-26 filings available

Ujjivan Small Finance Bank Limited reported revenue of ₹4,978.53 Cr (up 11.1% YoY) for FY 2025-26.

Financial Highlights

FY 2025-26 · Standalone
Revenue
₹4,979 Cr
+11.1% YoY
EBITDA
-
Profit After Tax
₹693 Cr
-4.6% YoY
Net Worth
₹6,816 Cr
+12.0% YoY
Total Assets
₹57,564 Cr
+20.6% YoY
Total Debt
₹49,404 Cr
+22.1% YoY

Revenue vs Net Profit ₹ Cr

Margin trends

Financial summary ₹ Cr

MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Income statement
Revenue4,9794,4824,1963,2872,1332,0311,956
Revenue growth+11.1%+6.8%+27.7%+54.1%+5.1%+3.8%-
Profit before tax9119421,7021,467(550)10.21466
Net profit6937261,2811,100(415)8.31350
Balance sheet
Total assets57,56447,71440,44033,32723,61820,39118,421
Net worth6,8166,0835,6144,2092,8033,2193,188
Total debt49,40440,47633,63328,17920,05616,38314,734
Cash & bank3,4443,1702,5372,4842,1762,5781,343
Cash flow
Cash from operations1,8432,0281,5931,0602,5542,657242
Cash from investing(2,481)(1,793)(865)(2,096)(841)(1,356)(757)
Cash from financing911398(519)1,186(1,484)(706)776
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue1,5441,4431,4001,2961,1781,1051,1341,059
Revenue growth (YoY)+31.1%+30.6%+23.4%+22.4%+2.4%-3.0%--
Other income296256307295256249270172
Depreciation0.000.000.000.000.000.000.000.00
Profit before tax49142137124416013695.26136
Tax12610488.7858.7438.5632.3211.8727.75
Net profit36531728218612210383.39109

Financial Statements

Figures in ₹ Cr; negatives in brackets. Updated 07 Nov 2026
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue1,5441,4431,4001,2961,1781,1051,1341,059
Revenue growth (YoY)+31.1%+30.6%+23.4%+22.4%+2.4%-3.0%--
Other income296256307295256249270172
Depreciation0.000.000.000.000.000.000.000.00
Profit before tax49142137124416013695.26136
Tax12610488.7858.7438.5632.3211.8727.75
Net profit36531728218612210383.39109
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Revenue4,9794,4824,1963,2872,1332,0311,956
Revenue growth+11.1%+6.8%+27.7%+54.1%+5.1%+3.8%-
Other income1,108846787589360302322
Depreciation14513598.2990.2880.4476.8072.63
Profit before tax9119421,7021,467(550)10.21466
Tax218215421367(136)1.90116
Net profit6937261,2811,100(415)8.31350
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Equity & liabilities
Share capital1,9431,9355192,1551,9281,9281,928
Reserves & surplus4,7764,0593,6102,0038321,2471,238
Shareholders' funds (net worth)6,8166,0835,6144,2092,8033,2193,188
Secured loans3,7362,8452,1712,6411,7643,2473,953
Unsecured loans45,66837,63031,46225,53818,29213,13610,780
Total debt49,40440,47633,63328,17920,05616,38314,734
Total liabilities57,56447,71440,44033,32723,61820,39118,421
Assets
Investments12,72411,7309,7668,5104,1532,5162,396
Cash & bank balances3,4443,1702,5372,4842,1762,5781,343
Loans & advances1,142968828761737522338
Total assets57,56447,71440,44033,32723,61820,39118,421
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Opening cash3,1572,5242,3142,1631,9341,3391,078
Net cash from operating activities1,8432,0281,5931,0602,5542,657242
Net cash from investing activities(2,481)(1,793)(865)(2,096)(841)(1,356)(757)
Net cash from financing activities911398(519)1,186(1,484)(706)776
Net change in cash274633210150230595261
Closing cash3,4443,1702,5372,4842,1762,5781,343
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Growth
Sales growth+11.1%+6.8%+27.7%+54.1%+5.1%+3.8%-
Net income growth-4.6%-43.3%+16.5%+365.3%-5088.9%-97.6%-
Profitability & leverage
Return on net worth+10.7%+12.4%+26.6%+32.7%0.0%+0.3%+14.6%
Efficiency & per share
EPS (₹)3.573.7524.705.52(2.40)0.051.95
Dividend per share (₹)0.000.001.501.250.000.000.00

To see the full year-wise statements and ratios of Ujjivan Small Finance Bank Limited, buy the company report.

Board of directors of Ujjivan Small Finance Bank Limited

Ujjivan Small Finance Bank has 8 current directors and 25 former directors. Current directors are listed first, with their designation and appointment date.

Current Directors
NameDesignationAppointment DateTenureStatus
Rajesh Kumar JogiDirector13 Mar 20215 Years 7 MonthsCurrent
Ravichandran VenkataramanDirector20 Aug 20215 Years 2 MonthsCurrent
Sudha SureshDirector20 Aug 20215 Years 2 MonthsCurrent
Rajni Anil MishraDirector16 Dec 20205 Years 10 MonthsCurrent
Carol Kripanayana FurtadoWhole-Time Director01 May 20242 Years 6 MonthsCurrent
Banavar Anantharamaiah PrabhakarDirector20 Aug 20215 Years 2 MonthsCurrent
Showing 6 of 8 current directors. View all directors

Peer comparison

Ujjivan Small Finance Bank Limited is compared with the 7 companies closest to it by revenue in the BFSI industry (Banks, Finance), with the same principal business activity (banking activities by central, commercial and saving banks), from the latest filed financials of each company.

CompanyRevenueNet profitMarginGrowth (1 yr)EmployeesLocation
Ujjivan Small Finance Bank Limitedthis company₹4,978.53 Cr (FY 2026)₹692.64 Cr13.9%11.1%21,203Bengaluru, Karnataka, India
CSB Bank Limited₹15 (FY 2025)-100.0%Thrissur, Kerala, India
The Karur Vysya Bank Limited₹15 (FY 2025)-100.0%Karur, Tamil Nadu, India
Au Small Finance Bank Limited₹15 (FY 2025)-100.0%Jaipur, Rajasthan, India
Icici Bank Limited₹15 (FY 2025)-100.0%Vadodara, Gujarat, India
Equitas Small Finance Bank Limited₹15 (FY 2025)-100.0%Chennai, Tamil Nadu, India
City Union Bank Limited₹15 (FY 2025)-100.0%Tanjore, Tamil Nadu, India
SBM Bank (India) Limited₹14 (FY 2025)-100.0%Nariman Point, Maharashtra, India

To see the full peer comparison of Ujjivan Small Finance Bank Limited, buy the company report.

Auditor

Ujjivan Small Finance Bank Limited is audited by B K Ramadhyani and Co LLP for the financial year 2023.

Auditor firmFinancial yearFirm registration number
B K Ramadhyani and Co LLPFY 2023002878S/S200021

Shareholding

Shareholding for the quarter ended Sep 2026: promoters hold 0.00%, foreign institutional investors hold 16.80%, domestic institutional investors hold 33.50% and retail and other public shareholders hold 49.70%.

DII (Domestic Institutional): 33.50%FII (Foreign Institutional): 16.80%Retail & Others: 49.70%
Sep 2026
QUARTER
33.50% DII (Domestic Institutional)
16.80% FII (Foreign Institutional)
49.70% Retail & Others
Public holding - history
Now 100.00% · Sep 2026High 100.00% · Dec 2025Low 100.00% · Dec 2025
99%99.3%99.5%99.8%100%Dec 2025Mar 2026Jun 2026Sep 2026Dec 2025: 100.00%Mar 2026: 100.00%Jun 2026: 100.00%Sep 2026: 100.00%100.00%100.00%
Shareholding trend - last 6 quarters
Sep 2026Jun 2026Mar 2026Dec 2025
Promoters0.00%0.00%0.00%0.00%
Public100.00%100.00%100.00%100.00%

Charges & borrowings

Open charges
None
Satisfied charges
₹6,616.16 Cr
Breakdown by lending institutions
Others₹4,015.66 Cr
Hdfc Bank Limited₹600.50 Cr
Axis Bank Limited₹550.00 Cr
Yes Bank Limited₹500.00 Cr
Idbi Bank Limited₹350.00 Cr
Others₹600.00 Cr
Latest charge details
DateCharge IDLenderAmountStatusModified or satisfied on
28 Nov 2019100311352Hdfc Bank Limited₹4.5 CrSatisfied
01 Feb 2017100077696Idbi Bank Limited₹150 CrSatisfied
01 Feb 2017100077702Idbi Bank Limited₹200 CrSatisfied
01 Feb 2017100078182Others₹50 CrSatisfied
01 Feb 2017100078185Others₹135 CrSatisfied

To see the full charge records of Ujjivan Small Finance Bank Limited, buy the company report.

Total charge records: 74 View all charges

Deals & funding

Ujjivan Small Finance Bank Limited has 9 deals on record (3 market trades, 2 funding rounds, 2 acquisitions), with disclosed funding of ₹450 Cr; the latest was in September 2025.

Total deals
9
Market trades
3
Funding rounds
2
Acquisitions
2
IPO
1
Disclosed funding
₹450 Cr

Deals on record (5 of 9)

WhenDealAmountParties
Sep 2022Other deal₹475 CrBuyer: Icici Prudential Life Insurance Company Limited , Abakkus Asset Manager, Aditya Birla Sun Life Trustee Private Limited A/C Aditya Birla Sun Life Banking And Financial Services Fund
Dec 2019IPO₹750 CrInvestors: IPO Shareholders Ujjivan Small Finance Bank Limited, CX Partners, GIC Singapore
Nov 2019Funding round · Pre Ipo₹250 CrInvestors: Avendus Capital, IIFL Select Series II Fund, IIFL Blended Fund Series A
Feb 2017Acquisition₹1,330 CrBuyer: Ujjivan Financial Services Limited
Jul 2016Acquisition₹109.99 CrBuyer: Ujjivan Financial Services Limited

To see the full deal history of Ujjivan Small Finance Bank Limited, buy the company report.

Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.

Credit ratings & regulatory alerts

Ujjivan Small Finance Bank Limited was last rated by Care on 01 Apr 2022.

Rating agencyRated onRating
Care01 Apr 2022

To see the full credit ratings and regulatory alerts of Ujjivan Small Finance Bank Limited, buy the company report.

MSME payment delays

Ujjivan Small Finance Bank Limited has 13 MSME Form 1 returns on record between 2019 and 2024, listing 327 overdue payments to 32 micro and small suppliers. Companies must report dues to micro and small suppliers that stay unpaid for more than 45 days in a half-yearly MSME Form 1 return.

Suppliers with reported dues (5 of 32)

SupplierAmount dueDue sinceReported on
Phasorz Technologies Private Limited
Connect and Heal Primary Care Private Limited
Coreintegra Consulting Services Limited
Bretton Woods Finlease Limited
Crux Management Services Private Limited

To see the full MSME payment records of Ujjivan Small Finance Bank Limited, buy the company report.

Individuals and sole proprietors among the suppliers are not named.

Employees & EPFO

Ujjivan Small Finance Bank Limited has a workforce of 21,203 employees on its EPFO records as of Apr 07, 2024, across 1 active EPFO establishment.

Employee count
21,203
Active EPFO establishments
1
Employee growth
22.37%

GST

Ujjivan Small Finance Bank has 24 GST registrations: 24 active. The first 4 active GSTINs are listed below.

Total GSTINs
24
Active
24
GSTINStateStatusRegistered on
29AABCU9603R1ZJKarnatakaActive29 Jun 2017
29AABCU9603R2ZIKarnatakaActive07 Sep 2017
04AABCU9603R1ZVChandigarhActive01 Jul 2017
06AABCU9603R1ZRHaryanaActive01 Jul 2017

To see the full GST registrations and return filing status of Ujjivan Small Finance Bank Limited, buy the company report.

Recent activity

Ujjivan Small Finance Bank Limited has 54 board changes on record since 2016: 31 appointments and 23 cessations. The latest: Aniruddha Paul was appointed as Director on 22 Jan 2026.

AGM
Ujjivan Small Finance Bank Limited last Annual general meeting of members was held on 24 Jul 2026 as per latest MCA records.
Filing
Ujjivan Small Finance Bank Limited has filed its annual Financial statements for the year ended 31 Mar 2026 with Roc Bangalore.
Appointed
Aniruddha Paul was appointed as Director.
Ceased
Anita Ramachandran ceased to be Director.
Ceased
Samit Kumar Ghosh ceased to be Director.
Ceased
Ittira Poonollil Davis ceased to be CEO.
Appointed
Mona Kachhwaha was appointed as Director.
Appointed
Carol Kripanayana Furtado was appointed as Whole-Time Director.
Ceased
Satyaki Rastogi ceased to be Nominee Director.
Ceased
Raghunath Narasimhachar Patel ceased to be Nominee Director.
Charges
A charge registered on 01 Feb 2017 via Charge ID 100081711 with Others was fully satisfied on 22 Nov 2022.
Charges
A charge registered on 01 Feb 2017 via Charge ID 100080242 with Others was fully satisfied on 23 Sep 2022.

194 earlier events are in the company report.

News

Ujjivan Small Finance Bank: HSBC on Ujjivan Small Finance Bank Maintains Buy, Target Price ₹90; Q2FY27 PAT beat estimates by 14%, and management expects to exceed FY27 RoA guidance; raises FY27–29 PAT estimates by 9–17% on stronger AUM growth, efficiency gains and the preferential issue. New CEO appointment is expected to take 3–4 months from September 1, 2026.
19 Oct 2026 · Exchange Update
Ujjivan Small Finance: Approves New Issue Of 6,31,91,619 Equity Shares At ₹64.73 Each To Raise About ₹409.04 Crores; Investments From IFC, Bajaj Life, Aditya Birla, And HDFC Life Included; EGM Set For November 13, 2026.
16 Oct 2026 · Exchange Update
UJJIVANSFB: Q2 SL NET PROFIT 3.6B RUPEES VS 1.2B (YOY); EST 3.13B
16 Oct 2026 · Exchange Update
UJJIVANSFB: Q2 GNPA 2.1% VS 2.16% (QOQ); Q2 NNPA 0.31% VS 0.34% (QOQ)
16 Oct 2026 · Exchange Update
UJJIVANSFB: Q2 REVENUE 21.5B RUPEES VS 16.8B (YOY)
16 Oct 2026 · Exchange Update
UJJIVAN SMALL FINANCE: Q2 ROA 2.4% VS 2.2% (QOQ); FY27 GUIDANCE OF 2.-2.2%
16 Oct 2026 · Exchange Update

Frequently asked questions

Ujjivan Small Finance Bank is an active public limited company based in Bengaluru, Karnataka, India. The company works in banking institutions, within the financial services industry. It was incorporated on 04 July 2016 (10+ years old) and is registered under CIN L65110KA2016PLC142162. Listed on BSE: 542904 and NSE: UJJIVANSFB.

Ujjivan Small Finance Bank reported revenue of ₹4,978.53 Cr for FY 2025-26 (up 11.1% YoY) based on standalone financials.

Ujjivan Small Finance Bank has 8 current directors:

The latest financial statements of Ujjivan Small Finance Bank on record with the MCA are for the year ended 31 March 2026. Its last annual general meeting was held on 24 July 2026. Year-wise statements from FY 2017 are in the company report.

The GSTIN of Ujjivan Small Finance Bank is 29AABCU9603R1ZJ, registered in Karnataka. The company has 24 GST registrations in all, of which 24 are active. Other active GSTINs include 29AABCU9603R2ZI (Karnataka), 04AABCU9603R1ZV (Chandigarh), 06AABCU9603R1ZR (Haryana).

The CIN (Corporate Identification Number) of Ujjivan Small Finance Bank is L65110KA2016PLC142162. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.

Yes. Ujjivan Small Finance Bank is a listed company as per MCA records. Its shares are listed on both BSE (code: 542904) and NSE (symbol: UJJIVANSFB).

Ujjivan Small Finance Bank has 12,582 court cases on record: 12,342 filed by the company and 243 filed against it. 7,255 are pending. Most are in the district courts.

Ujjivan Small Finance Bank was incorporated on 04 July 2016, making it 10+ years old. It is registered with the Registrar of Companies, Bangalore.

Ujjivan Small Finance Bank has 9 deals on record (3 market trades, 2 funding rounds, 2 acquisitions), with disclosed funding of ₹450 Cr; the latest was in September 2025.

The peers of Ujjivan Small Finance Bank by revenue are CSB Bank Limited, The Karur Vysya Bank Limited, Au Small Finance Bank Limited, Icici Bank Limited, Equitas Small Finance Bank Limited and 2 more, all in the BFSI industry (Banks, Finance), with the same principal business activity (banking activities by central, commercial and saving banks).

Aniruddha Paul was appointed as Director on 22 Jan 2026. Anita Ramachandran ceased to be Director on 30 Jun 2025. Samit Kumar Ghosh ceased to be Director on 01 Dec 2024. Ujjivan Small Finance Bank has 54 board changes on record in total.