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About the company
Ujjivan Small Finance Bank Limited is an India-based small finance bank. The Company operates through three segments: Treasury, Retail Banking and Corporate/ Wholesale Segments. The Treasury segment consists of net interest earnings from the Company’s investment portfolio, money market borrowing and lending, gains or losses on investment operations and income from the sale of priority sector lending certificates (PSLC). The Retail Banking segment serves retail customers through a branch network and other delivery channels. Retail Banking includes lending to and deposits from retail customers. The Wholesale Banking segment provides loans to Corporates and Financial Institutions. Its asset products comprise loans to its micro banking customers that include group loans and individual loans, home improvement loans, and personal loans. It offers savings accounts, current accounts and a variety of deposit accounts. It also offers life insurance, health insurance, and general insurance.
- Revenue in INR (TTM)66.26bn
- Net income in INR4.94bn
- Incorporated2016
- Employees24.37k
- LocationUjjivan Small Finance Bank LtdNo. 27, 3rd A Cross 18th Main6th Block KoramangalaBANGALORE 560095IndiaIND
- Phone+91 8 040712121
- Fax+91 8 041468700
- Websitehttps://www.ujjivansfb.in
Peer analysis
- Key Information
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- Efficiency
- Management Effectiveness
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| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Northern ARC Capital Ltd | 24.06bn | 3.11bn | 41.63bn | 1.10k | 13.44 | -- | 12.68 | 1.73 | 19.16 | 19.16 | 148.38 | -- | -- | -- | -- | 21,792,030.00 | -- | 2.56 | -- | 2.77 | 87.76 | 89.85 | 12.86 | 15.95 | -- | 2.27 | -- | -- | 24.84 | 31.10 | -1.23 | 27.72 | 10.85 | -- |
| CARE Ratings Ltd | 4.52bn | 1.61bn | 49.34bn | 598.00 | 30.72 | -- | 27.84 | 10.91 | 53.45 | 53.45 | 150.13 | -- | -- | -- | -- | 7,559,385.00 | -- | 13.05 | -- | 14.37 | -- | 99.65 | 36.19 | 32.86 | -- | 69.29 | -- | 32.44 | 21.29 | 10.55 | 36.52 | 10.75 | 26.34 | -1.59 |
| ICRA Ltd | 5.61bn | 1.85bn | 55.64bn | 411.00 | 30.15 | -- | 26.68 | 9.92 | 191.74 | 191.74 | 581.93 | -- | -- | -- | -- | 13,646,510.00 | -- | 12.55 | -- | 14.42 | -- | -- | 33.13 | 32.96 | -- | 38.44 | -- | 51.20 | 11.64 | 9.18 | 12.52 | 12.07 | 25.04 | 17.32 |
| Karnataka Bank Ltd | 89.19bn | 11.55bn | 77.87bn | 8.75k | 6.75 | -- | -- | 1.74 | 30.51 | 30.51 | 118.37 | -- | -- | -- | -- | -- | -- | 0.9605 | -- | -- | -- | -- | 25.77 | 23.27 | -- | -- | -- | 15.45 | 8.62 | 6.84 | -2.58 | 24.14 | 23.11 | -- |
| Aavas Financiers Ltd | 23.55bn | 6.27bn | 103.39bn | 7.23k | 16.64 | -- | 15.48 | 4.39 | 78.47 | 78.47 | 294.75 | -- | -- | -- | -- | 3,256,293.00 | -- | 3.39 | -- | 3.87 | 99.57 | 99.54 | 26.62 | 27.99 | -- | 2.00 | -- | 0.00 | 16.79 | 21.05 | 17.00 | 18.18 | 8.99 | -- |
| Tamilnad Mercantile Bank Ltd | 56.11bn | 12.56bn | 109.71bn | 4.72k | 8.74 | 1.12 | -- | 3.40 | 79.30 | 79.30 | 203.74 | 617.22 | -- | -- | -- | -- | -- | 1.72 | -- | -- | -- | -- | 38.92 | 34.91 | -- | -- | -- | 10.42 | 9.15 | 8.83 | 10.31 | 23.74 | 38.87 | -- |
| Indian Energy Exchange Ltd | 5.84bn | 4.80bn | 112.17bn | 179.00 | 23.33 | -- | 22.31 | 19.22 | 5.41 | 5.41 | 6.57 | -- | -- | -- | -- | 32,602,930.00 | -- | 21.80 | -- | 40.08 | -- | -- | 82.29 | 74.90 | -- | -- | -- | 46.49 | 19.62 | 15.88 | 22.35 | 19.55 | 0.2014 | 29.20 |
| Ujjivan Small Finance Bank Ltd | 66.26bn | 4.94bn | 122.49bn | 24.37k | 25.06 | -- | -- | 2.60 | 2.52 | 2.52 | 24.07 | -- | -- | -- | -- | -- | -- | 1.79 | -- | -- | -- | -- | 10.48 | 16.80 | -- | -- | -- | -- | 11.93 | 18.64 | -43.34 | 16.62 | 13.31 | -- |
| Aptus Value Housing Finance India Ltd | 21.02bn | 8.89bn | 124.96bn | 3.35k | 14.07 | -- | 13.85 | 5.94 | 17.73 | 17.73 | 41.92 | -- | -- | -- | -- | 6,272,567.00 | -- | 7.39 | -- | 9.49 | -- | -- | 42.30 | 44.20 | -- | 2.82 | -- | -- | 28.22 | 28.46 | 22.77 | 28.91 | 22.61 | -- |
| International Gemmological Ins India Ltd | 12.29bn | 5.32bn | 144.02bn | 890.00 | 28.12 | 10.22 | 25.07 | 11.72 | 11.85 | 11.85 | 27.40 | 32.62 | 0.7543 | -0.3856 | 5.93 | -- | 32.62 | 39.84 | 38.72 | 75.29 | 100.14 | 99.78 | 43.25 | 42.20 | 5.15 | 71.14 | 0.0919 | -- | 16.71 | 56.67 | 24.41 | 66.81 | 48.66 | -- |
| IFCI Ltd | 18.48bn | 3.95bn | 168.83bn | 117.00 | 43.68 | -- | 22.67 | 9.14 | 1.43 | 1.43 | 6.91 | -- | -- | -- | -- | 157,926,500.00 | -- | -3.34 | -- | -4.56 | 69.84 | 50.75 | 35.78 | -35.72 | -- | -- | -- | -- | -5.56 | -8.18 | 65.00 | -- | -23.42 | -- |
| Holder | Shares | % Held |
|---|---|---|
| Franklin Templeton Asset Management (India) Pvt Ltd.as of 30 Jan 2026 | 77.28m | 3.99% |
| Axis Asset Management Co. Ltd.as of 31 Jan 2026 | 49.56m | 2.56% |
| The Vanguard Group, Inc.as of 04 Feb 2026 | 38.25m | 1.97% |
| Baroda BNP Paribas Asset Management India Pvt Ltd.as of 31 Jan 2026 | 38.06m | 1.96% |
| Bajaj Finserv Asset Management Ltd.as of 31 Jan 2026 | 37.20m | 1.92% |
| JM Financial Asset Management Ltd.as of 31 Jan 2026 | 32.95m | 1.70% |
| Union Asset Management Co. Pvt Ltd.as of 31 Dec 2025 | 31.42m | 1.62% |
| Canara Robeco Asset Management Co., Ltd. (Invt Mgmt)as of 31 Jan 2026 | 30.26m | 1.56% |
| Mahindra Manulife Investment Management Pvt Ltd.as of 31 Jan 2026 | 24.83m | 1.28% |
| DSP Asset Managers Pvt. Ltd.as of 31 Jan 2026 | 24.74m | 1.28% |
