UJJIVAN SMALL FINANCE BANK LIMITED – Investor Presentation Summary

Key Operational Highlights

  • Total Deposits grew 24.6% YoY to ₹48,129 Cr; Highest yearly growth in last 10 quarters
  • CASA Deposits grew 37.8% YoY to ₹12,930 Cr
  • Gross Loan Book at ₹42,903 Cr grew sequentially 5.5%, on track for full year guidance
  • Gold Loan and Vehicle Finance crossed major milestone of ₹1,000 Cr GLB
  • Secured share reached 50.4% with secured Gross Loan Book growing 7.8% sequentially
  • Launched new retail offerings: Mutual Fund distribution and Co-Branded Credit Cards
  • Liquidity: Calibrated optimization while remaining well above regulatory threshold with Avg. LCR for Q1 FY27 around 132%

Key drivers of operational performance: Diversified growth across segments, focus on secured lending products, and expansion of retail offerings.

Segment-wise Performance

| Segment | Gross Loan Book (₹ Cr) | % of GLB (Q1FY27) | YoY Growth | QoQ Growth |

| Group Loans | 15,185 | 35% | 17% | 3% |

| Microfinance | 11,107 | 26% | 15% | 2% |

| Non Microfinance | 4,078 | 10% | 25% | 6% |

| Individual Loans | 6,186 | 14% | 16% | 3% |

| Affordable Housing | 9,410 | 22% | 33% | 6% |

| Micro Mortgage | 1,800 | 4% | 101% | 14% |

| MSME | 3,470 | 8% | 54% | 7% |

| FIG Lending | 3,293 | 8% | 18% | 10% |

| Vehicle Loan | 1,036 | 2% | 85% | 10% |

| Gold Loan | 1,020 | 2% | 249% | 33% |

| Agri Banking | 810 | 2% | 101% | 11% |

| Others | 693 | 2% | (4)% | (13)% |

Explanation of significant changes in segment performance: Strong growth in secured products like Micro Mortgage (101% YoY), Gold Loan (249% YoY), Agri Banking (101% YoY), and Vehicle Loan (85% YoY) drove overall portfolio diversification.

Financial Highlights

Revenue: ₹2,282 Cr

  • Interest Earned: ₹2,025 Cr
  • Other Income: ₹257 Cr

EBITDA: Not explicitly specified

PAT: ₹317 Cr, up 206.7% YoY and 12.3% QoQ

EPS: Not explicitly specified

Margins: NIM sequentially stable at 8.5% (80 bps improvement YoY from 7.7%)

YoY/QoQ comparison:

  • Net Interest Income: ₹1,186 Cr, up 38.6% YoY and 8.6% QoQ
  • Pre-Provision Operating Profit: ₹548 Cr, up 52.0% YoY and 6.5% QoQ
  • Credit Cost: 0.9% of ATA, improved from 1.3% in Q1FY26 and 1.0% in Q4FY26

Drivers of financial performance: Consistent income supported by disciplined opex and stable credit costs, record earnings with Net Interest Income at ₹1,186 Cr.

Key Risks: Not explicitly disclosed in presentation

Geographical Revenue Split

Domestic vs Export/Regional Revenue: Not explicitly specified

Regional Breakdown: Top 10 States represent 84% of Gross Loan Book. Major states include West Bengal (15.0%), Karnataka (11.8%), Tamil Nadu (11.6%), Bihar (11.5%), and Uttar Pradesh (8.4%)

Balance Sheet Snapshot

Net Debt/Equity: Not explicitly specified

Reserves: ₹5,100 Cr as of June 30, 2026

Current Assets/Liabilities: Not explicitly specified

Working Capital/Leverage Metrics:

  • CRAR: 21.14% (Tier I: 19.70%, Tier II: 1.44%)
  • Credit Risk Weighted Assets: ₹31,738 Cr

Financial Health Insights: Strong capital position with Total Capital at ₹6,709 Cr, well above regulatory requirements

Capex & Cash Flow Health

Capital Expenditure: Not explicitly specified

Free Cash Flow: Not explicitly specified

Operating Cash Flow: Not explicitly specified

Net Debt Movement: Borrowings increased to ₹3,806 Cr from ₹3,736 Cr in Mar'26

Investment Rationale: Focus on secured book growth, digital transformation, and expanding retail product offerings

Strategic & R&D Initiatives

Investments in Innovation:

  • Launched Mutual Fund distribution and Co-Branded Credit Cards
  • Enhanced digital capabilities with Mobile & Internet Banking serving customers in 9 languages
  • Robotic Process Automation with 77 processes automated, saving 101 FTE equivalents
  • Data Analytics generating additional business volume of ~₹429 Cr in Q1FY27

Expected impact on growth: Digital channels contributed to 41% of Savings Accounts opened digitally and 35% of Retail Term Deposits opened digitally

Strategic Rationale: Expanding into high-growth secured lending segments while maintaining focus on financial inclusion

Industry Trends & Business Environment

Macro/Industry Trends: Not explicitly specified

Impact on Company: Not explicitly specified

Management Commentary & Growth Outlook

Strategic Outlook: Resilient Q1 performance leads to revised FY27 RoA guidance to 1.8% to 2.0%

FY Guidance:

  • Advances Growth: ~25%
  • Credit Cost: 0.9% to 1.0% of the ATA
  • RoA: 1.8% to 2.0%

Market Share Targets: Not explicitly specified

Risks and Opportunities: Not explicitly highlighted by management

ESG Updates

  • ESG Rating: Disclosed but not specified
  • CSR Initiatives: Setting up Brain Health Clinics, tree plantation (4,000 saplings), disaster relief
  • Employee Volunteering: 3,000+ Employees volunteered for different social initiatives
  • Beneficiaries Impacted: 80,000+ Beneficiaries benefited through different CSR initiatives

Digital Transformation

  • Mobile & Internet Banking available in 9 languages with value-added services
  • 41% of Savings Accounts opened digitally (Using Self Service & Assisted Digital)
  • 35% of Retail Term Deposits opened digitally (Using Self Service & Assisted digital)
  • 77 processes automated through RPA, saving 56,256 manhours in Q1 FY26
  • Data Analytics stack processing 5 Lakh+ Loans per month and 10.5 Cr+ Transactions generating per month