Event Type: Quarterly Earnings Conference Call for Q1 FY27 results

Date and Time: July 23, 2026 (time not specified in transcript)

Purpose: Discussion of quarterly results for quarter ended June 30, 2026, including business performance, financial results, and strategic updates

Management Participants:

  • Carol Furtado – Executive Director (acting for indisposed MD Mr. Sanjeev Nautiyal)
  • Sadananda Balakrishna Kamath – Chief Financial Officer
  • Ashish Goel – Chief Credit Officer
  • Vibhas Chandra – Head Micro Banking and Gold Loans
  • Hitendra Jha – Head Retail Liabilities, TASC and TPP
  • Umesh Arora – Head Emerging Business
  • Martin P S – Chief Operating Officer
  • Brajesh Cherian – Chief Risk Officer
  • Siddharth Bharadwaj – Head Investor Relations
  • Gaurav Sah – Lead Investor Relations

Moderator: Mr. Manjith Nair from Antique Stock Broking Limited

Availability of Materials: The transcript of the earnings call is available on the Bank's website at www.ujjivansfb.bank.in

Financial Period Discussed: Q1 FY27 (quarter ended June 30, 2026)

Key Financial Highlights:

  • Profit After Tax: ₹317 crores
  • ROA: 2.2%
  • ROE: 18.2%
  • Net Interest Income: ₹1,186 crores
  • Net Interest Margin: 8.5%
  • Gross Loan Book: ₹42,903 crores (up 28.9% YoY, 5.5% QoQ)
  • Deposits: ₹48,129 crores (up 25% YoY)
  • CASA Deposits: ₹12,930 crores (up 37.8% YoY)
  • Cost of Funds: 6.86%
  • GNPA: 2.17% (reduced by 10 bps)
  • Provision Coverage Ratio: 85%
  • Credit Costs: ₹127 crores (0.9% of average assets)
  • Write-offs: ₹72 crores

Business Performance Metrics:

  • Disbursements: ₹9,245 crores (up 41.4% YoY)
  • Secured Book: ₹21,638 crores (50.4% of total, up 42.7% YoY, 7.8% QoQ)
  • Micro Banking Book: ₹21,371 crores (up 16.8% YoY)
  • Micro Banking Disbursements: ₹4,581 crores (up 16.4% YoY)
  • Affordable Housing + Micro Mortgages: ₹11,210 crores (up 40.8% YoY)
  • MSME Portfolio: ₹3,470 crores (up 54% YoY)
  • Gold Loans: ₹1,020 crores (up 248.6% YoY)
  • Vehicle Loans: ₹1,036 crores (up 85.1% YoY)
  • New Business Lines (gold, vehicle, agri): 7% of gross loan book
  • Branch Network: 814 branches (38 new branches operationalized)
  • Collection Efficiency: 99.68% (bucket X), 98.4% (current due + overdue)

Forward-Looking Guidance Updates:

  • Revised FY27 credit cost guidance: 0.9% to 1.0% of average total assets (changed from average gross loan book)
  • Raised FY27 ROA guidance: 1.8% to 2.0%
  • Expected opex to average assets: ~6.4%
  • Planned asset growth: 25% for FY27
  • Planned branch additions: 144 branches in FY27 (38 already opened)

New Initiatives Mentioned:

  • Unsecured Fast Track loan completed successful pilot, ready for scale-up
  • Pre-owned cars piloted in Karnataka
  • Lending to mid-corporates commenced with Q1 disbursements
  • MSME product suite expanded with purchase invoice discounting
  • Co-branded credit card in testing phase
  • FCNRB offerings with attractive rates

Compliance Statement: The document is filed pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015

Additional Notes Section

Attachments: The regulatory filing includes the transcript of the quarterly earnings call

Financial Data Disclosure: The announcement itself does not contain financial data, but refers to the earnings call transcript which contains extensive financial information