Ujjivan SFB Q4 PAT Surges 238% YoY to ₹282 Crore

Ujjivan SFB reported Q4 FY26 PAT of ₹282 crore, a 238.2% YoY increase, driven by NIM expansion to 8.5% and cost reduction.
Gross loan book grew 26.6% YoY to ₹40,655 crore with secured portfolio share reaching 49.4% and highest-ever quarterly disbursements of ₹9,811 crore.
Asset quality improved with GNPA/NNPA at 2.27%/0.43% and PCR at 81%, while deposits grew 21.4% YoY to ₹45,668 crore with CASA ratio at 28.6%.
The board approved equity capital raise of up to ₹2,000 crore and provided FY27 guidance of ~25% loan growth and RoA of around 1.6%.