Ujjivan Small Finance Bank Q4 Results Highlights: Net Profit Down 75% YoY, NIM Stands at 8.3%

Ujjivan Small Finance Bank released its financial results for the fourth quarter of FY25 on Wednesday, April 30, 2025. 

In Ujjivan Small Finance Bank Q4 results, the company reported a net profit of ₹83.4 crore for Q4 FY25. This reflects a significant year-on-year (YoY) decline of -75% from ₹329.6 crore reported in the same quarter of the previous fiscal year. 

For the Q4 FY25 period, the bank also reported a YoY decline of -7.41% in its net interest income (NII), which reached ₹864.3 crore, down from ₹933.5 crore in Q4 of the previous year.

In addition, the bank shared in its Q4 Ujjivan Small Finance Bank results that its net non-performing assets (NPA) increased 99.7% to ₹152.4 crore in Q4 FY25, from ₹76.3 crore reported in the same quarter last year.

Ujjivan Small Finance Bank Ltd. Q4 Results Highlights

In this table, you will get an overview of Ujjivan Small Finance Bank latest quarterly results:

Ujjivan Small Finance Bank’s Financial Results Comparison With the Previous Year

Here is a table of annual data comparison of Ujjivan Small Finance Bank Q4 2025 results:

Updates Shared By Ujjivan Small Finance Bank in Latest Financial Results 

During the announcements of Ujjivan Small Finance Bank Q4 results, the company’s management provided key updates regarding the upcoming quarters:

• Key Highlights – Q4FY25 

These are some of the key information to look for in Ujjivan Small Finance Bank latest results:

• Gross Loan Book stands at ₹32,122 crore (Up 8% YoY)
• Secured Loan Book stands at ₹ 13,988 crore (Up 56% YoY)
• Total Deposits stand at ₹37,630 crore (Up 20% YoY)
• NIM – 8.3% Down 110 bps Vs 9.4%
• RoA – 0.7% Down 257 bps Vs 3.3%
• RoE – 5.6% Down 1,914 bps Vs 24.8%
• Credit to Deposit Ratio: 84.9% as of Mar’25, adjusted for IBPC/ Securitisation book (85.4% including IBPC/Securitisation)
• Ratings – CRISIL A1+, (₹2,500 Crore certificate of deposits); CARE AA- (stable) (Long term bank facilities, ₹10,000 Crore Fixed Deposits)

• Summary of Employee Stock Option Plan (ESOP) 2019 as of March 31, 2025

As of this Ujjivan Small Finance Bank results, a total of 5,16,10,678 options lapsed, while 4,21,58,476 options were vested but remained unexercised. 

The remaining 5,44,03,929 options are still unvested under the approved Employee Stock Option Plan (ESOP) 2019.

• Summary of Amalgamation of Ujjivan Financial Services Limited (UFSL) with the Bank

On October 14, 2022, the Board of Directors of the Bank and UFSL approved a scheme of amalgamation under Sections 230 to 232 of the Companies Act, 2013. The scheme was approved by shareholders on November 3, 2023, and sanctioned by the NCLT on April 19, 2024. 

After receiving all necessary approvals, the Bank filed Form INC 28 with the ROC on April 30, 2024, marking the ‘Effective Date’ of the scheme. The Appointed Date under the scheme was April 1, 2023.

• Utilisation and Impact on NPA and Provision Coverage Ratio

During the financial year, the Bank utilised ₹69.33 crores from the ₹250 crores floating provision to address the shortfall in transferring stressed (NPA) loans to Asset Reconstruction Companies (ARCs) as per RBI guidelines. 

As of March 31, 2025, the Bank holds a floating provision of ₹180.7 crores, with ₹130 crores used for net NPA and provision coverage ratio calculations. ₹30 crores is considered Tier II capital, and ₹20.7 crores remains unutilised for future NPA calculations. 

If the unutilised amount had been included, the Net NPA would have been 0.42%, and the Provision Coverage Ratio would have increased to 81.07% from 78.10%.

• Submission of Application for Universal Banking License

According to the Q4 Ujjivan Small Finance Bank results 2025, the Bank applied for a Universal Banking License to the RBI – Central Office on February 4, 2025, following the approval of the Board of Directors in their meeting held on January 23, 2025.

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