- Total income
- ₹7,201 Cr
- Profit
- ₹726 Cr

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 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.
| CIN | Status |
|---|---|
| L65110KA2016PLC142162 | Current |
| U65110DL2016PLC302481 | Previous |
| L65110DL2016PLC302481 | Previous |
Recognitions & Rankings of Ujjivan Small Finance Bank
- Valuation
- ₹11,060 Cr
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
- Website
- Social Media
- Apps
- Registered AddressGrapegarden No.27 3 Rdacross 18 Thmain6Thblock Koramangala, Bengaluru, Karnataka, India – 560095
- IndustryFinancial Services, Banking Institutions
To see the full contact details of Ujjivan Small Finance Bank Limited, buy the company report.
- 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
Brands
Ujjivan Small Finance Bank operates two associated brands: Ujjivan Small Finance Bank and Ujjivan. Each brand links to its own profile.
| 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 |
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 code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K1 | Banking 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 availableUjjivan Small Finance Bank Limited reported revenue of ₹4,978.53 Cr (up 11.1% YoY) for FY 2025-26.
Financial Highlights
FY 2025-26 · StandaloneRevenue vs Net Profit ₹ Cr
Margin trends
Financial summary ₹ Cr
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 4,979 | 4,482 | 4,196 | 3,287 | 2,133 | 2,031 | 1,956 |
| Revenue growth | +11.1% | +6.8% | +27.7% | +54.1% | +5.1% | +3.8% | - |
| Profit before tax | 911 | 942 | 1,702 | 1,467 | (550) | 10.21 | 466 |
| Net profit | 693 | 726 | 1,281 | 1,100 | (415) | 8.31 | 350 |
| Balance sheet | |||||||
| Total assets | 57,564 | 47,714 | 40,440 | 33,327 | 23,618 | 20,391 | 18,421 |
| Net worth | 6,816 | 6,083 | 5,614 | 4,209 | 2,803 | 3,219 | 3,188 |
| Total debt | 49,404 | 40,476 | 33,633 | 28,179 | 20,056 | 16,383 | 14,734 |
| Cash & bank | 3,444 | 3,170 | 2,537 | 2,484 | 2,176 | 2,578 | 1,343 |
| Cash flow | |||||||
| Cash from operations | 1,843 | 2,028 | 1,593 | 1,060 | 2,554 | 2,657 | 242 |
| Cash from investing | (2,481) | (1,793) | (865) | (2,096) | (841) | (1,356) | (757) |
| Cash from financing | 911 | 398 | (519) | 1,186 | (1,484) | (706) | 776 |
| Particulars | Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1,544 | 1,443 | 1,400 | 1,296 | 1,178 | 1,105 | 1,134 | 1,059 |
| Revenue growth (YoY) | +31.1% | +30.6% | +23.4% | +22.4% | +2.4% | -3.0% | - | - |
| Other income | 296 | 256 | 307 | 295 | 256 | 249 | 270 | 172 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 491 | 421 | 371 | 244 | 160 | 136 | 95.26 | 136 |
| Tax | 126 | 104 | 88.78 | 58.74 | 38.56 | 32.32 | 11.87 | 27.75 |
| Net profit | 365 | 317 | 282 | 186 | 122 | 103 | 83.39 | 109 |
Financial Statements
| Particulars | Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1,544 | 1,443 | 1,400 | 1,296 | 1,178 | 1,105 | 1,134 | 1,059 |
| Revenue growth (YoY) | +31.1% | +30.6% | +23.4% | +22.4% | +2.4% | -3.0% | - | - |
| Other income | 296 | 256 | 307 | 295 | 256 | 249 | 270 | 172 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 491 | 421 | 371 | 244 | 160 | 136 | 95.26 | 136 |
| Tax | 126 | 104 | 88.78 | 58.74 | 38.56 | 32.32 | 11.87 | 27.75 |
| Net profit | 365 | 317 | 282 | 186 | 122 | 103 | 83.39 | 109 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 4,979 | 4,482 | 4,196 | 3,287 | 2,133 | 2,031 | 1,956 |
| Revenue growth | +11.1% | +6.8% | +27.7% | +54.1% | +5.1% | +3.8% | - |
| Other income | 1,108 | 846 | 787 | 589 | 360 | 302 | 322 |
| Depreciation | 145 | 135 | 98.29 | 90.28 | 80.44 | 76.80 | 72.63 |
| Profit before tax | 911 | 942 | 1,702 | 1,467 | (550) | 10.21 | 466 |
| Tax | 218 | 215 | 421 | 367 | (136) | 1.90 | 116 |
| Net profit | 693 | 726 | 1,281 | 1,100 | (415) | 8.31 | 350 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 1,943 | 1,935 | 519 | 2,155 | 1,928 | 1,928 | 1,928 |
| Reserves & surplus | 4,776 | 4,059 | 3,610 | 2,003 | 832 | 1,247 | 1,238 |
| Shareholders' funds (net worth) | 6,816 | 6,083 | 5,614 | 4,209 | 2,803 | 3,219 | 3,188 |
| Secured loans | 3,736 | 2,845 | 2,171 | 2,641 | 1,764 | 3,247 | 3,953 |
| Unsecured loans | 45,668 | 37,630 | 31,462 | 25,538 | 18,292 | 13,136 | 10,780 |
| Total debt | 49,404 | 40,476 | 33,633 | 28,179 | 20,056 | 16,383 | 14,734 |
| Total liabilities | 57,564 | 47,714 | 40,440 | 33,327 | 23,618 | 20,391 | 18,421 |
| Assets | |||||||
| Investments | 12,724 | 11,730 | 9,766 | 8,510 | 4,153 | 2,516 | 2,396 |
| Cash & bank balances | 3,444 | 3,170 | 2,537 | 2,484 | 2,176 | 2,578 | 1,343 |
| Loans & advances | 1,142 | 968 | 828 | 761 | 737 | 522 | 338 |
| Total assets | 57,564 | 47,714 | 40,440 | 33,327 | 23,618 | 20,391 | 18,421 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 3,157 | 2,524 | 2,314 | 2,163 | 1,934 | 1,339 | 1,078 |
| Net cash from operating activities | 1,843 | 2,028 | 1,593 | 1,060 | 2,554 | 2,657 | 242 |
| Net cash from investing activities | (2,481) | (1,793) | (865) | (2,096) | (841) | (1,356) | (757) |
| Net cash from financing activities | 911 | 398 | (519) | 1,186 | (1,484) | (706) | 776 |
| Net change in cash | 274 | 633 | 210 | 150 | 230 | 595 | 261 |
| Closing cash | 3,444 | 3,170 | 2,537 | 2,484 | 2,176 | 2,578 | 1,343 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 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 (₹) | 3.57 | 3.75 | 24.70 | 5.52 | (2.40) | 0.05 | 1.95 |
| Dividend per share (₹) | 0.00 | 0.00 | 1.50 | 1.25 | 0.00 | 0.00 | 0.00 |
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.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Rajesh Kumar Jogi Also directs: Futura Techpark Private Limited, Tsi Business Parks (Hyderabad) Private Limited, Gateway Office Parks Private Limited and 5 more | Director | 13 Mar 2021 | 5 Years 7 Months | Current |
| Ravichandran Venkataraman | Director | 20 Aug 2021 | 5 Years 2 Months | Current |
| Sudha Suresh Also directs: Quess Corp Limited, Royal Sundaram General Insurance Co. Limited | Director | 20 Aug 2021 | 5 Years 2 Months | Current |
| Rajni Anil Mishra | Director | 16 Dec 2020 | 5 Years 10 Months | Current |
| Carol Kripanayana Furtado | Whole-Time Director | 01 May 2024 | 2 Years 6 Months | Current |
| Banavar Anantharamaiah Prabhakar | Director | 20 Aug 2021 | 5 Years 2 Months | Current |
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.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Ujjivan Small Finance Bank Limitedthis company | ₹4,978.53 Cr (FY 2026) | ₹692.64 Cr | 13.9% | 11.1% | 21,203 | Bengaluru, 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 firm | Financial year | Firm registration number |
|---|---|---|
| B K Ramadhyani and Co LLP | FY 2023 | 002878S/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%.
| Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | |
|---|---|---|---|---|
| Promoters | 0.00% | 0.00% | 0.00% | 0.00% |
| Public | 100.00% | 100.00% | 100.00% | 100.00% |
Charges & borrowings
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 28 Nov 2019 | 100311352 | Hdfc Bank Limited | ₹4.5 Cr | Satisfied | |
| 01 Feb 2017 | 100077696 | Idbi Bank Limited | ₹150 Cr | Satisfied | |
| 01 Feb 2017 | 100077702 | Idbi Bank Limited | ₹200 Cr | Satisfied | |
| 01 Feb 2017 | 100078182 | Others | ₹50 Cr | Satisfied | |
| 01 Feb 2017 | 100078185 | Others | ₹135 Cr | Satisfied |
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.
Deals on record (5 of 9)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Sep 2022 | Other deal | ₹475 Cr | Buyer: 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 2019 | IPO | ₹750 Cr | Investors: IPO Shareholders Ujjivan Small Finance Bank Limited, CX Partners, GIC Singapore |
| Nov 2019 | Funding round · Pre Ipo | ₹250 Cr | Investors: Avendus Capital, IIFL Select Series II Fund, IIFL Blended Fund Series A |
| Feb 2017 | Acquisition | ₹1,330 Cr | Buyer: Ujjivan Financial Services Limited |
| Jul 2016 | Acquisition | ₹109.99 Cr | Buyer: 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.
Legal cases
Ujjivan Small Finance Bank Limited has 12,582 court cases on record: 12,342 filed by Ujjivan Small Finance Bank, 243 filed against it. 7,255 cases are pending and 5,327 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 12,441 | 166 | 7,215 |
| High courts | 138 | 75 | 40 |
| Supreme Court | 2 | 2 | 0 |
| NCLT | 1 | 0 | 0 |
Cases on record (5 of 12,582)
| Court | Type of case | Party | Status |
|---|---|---|---|
| Supreme Court | Court case (4704-Transfer Petitions : Criminal Transfer Petition under Section 406 Code of Criminal Procedure, 1973/Section 446 of the Bharatiya Nagarik Suraksha Sanhita, 2023) | Filed against the company by an individual | Disposed |
| High Court of Karnataka | Interim or miscellaneous application | Filed against the company by Ckuens Analytics Private Limited | Pending |
| High Court of Delhi | Writ petition | Filed against the company by Swastikpay Technology Pvt. Ltd. | Disposed |
| District court, Ahmedabad, Gujarat | Criminal miscellaneous application | Filed by the company against JSB Metal Pvt.Ltd. | Disposed |
| District court, Krishnagiri, Tamil Nadu | Civil suit | Filed against the company by an individual | Pending |
To see the full case history of Ujjivan Small Finance Bank Limited, buy the company report.
Case records are compiled from court listings and may lag the court's own records. A case filed against a company is not a finding against it.
Credit ratings & regulatory alerts
Ujjivan Small Finance Bank Limited was last rated by Care on 01 Apr 2022.
| Rating agency | Rated on | Rating |
|---|---|---|
| Care | 01 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)
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.
GST
Ujjivan Small Finance Bank has 24 GST registrations: 24 active. The first 4 active GSTINs are listed below.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 29AABCU9603R1ZJ | Karnataka | Active | 29 Jun 2017 |
| 29AABCU9603R2ZI | Karnataka | Active | 07 Sep 2017 |
| 04AABCU9603R1ZV | Chandigarh | Active | 01 Jul 2017 |
| 06AABCU9603R1ZR | Haryana | Active | 01 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.
194 earlier events are in the company report.
News
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:
- Carol Kripanayana Furtado - Whole-Time Director
- Rajesh Kumar Jogi - Director
- Ravichandran Venkataraman - Director
- Sudha Suresh - Director
- Rajni Anil Mishra - Director
- Banavar Anantharamaiah Prabhakar - Director
- Aniruddha Paul - Director
- Mona Kachhwaha - Director
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.

