Ujjivan Small Finance Bank announced its first-quarter earnings for FY27 on July 23, 2026, reporting a 206.7% year-on-year surge in net profit to ₹316.54 crore, up from ₹103.22 crore in the corresponding quarter of the previous fiscal. The private lender achieved its highest-ever quarterly Net Interest Income (NII) of ₹1,186 crore, marking a 38.6% YoY growth driven by strong loan disbursements and an expanding deposit base.At a GlanceSurging Profitability: Net profit after tax (PAT) jumped 206.7% YoY to ₹316.54 crore for Q1 FY27, compared to ₹103.22 crore in Q1 FY26.Record Top-Line Growth: Highest-ever quarterly NII of ₹1,186 crore (up 38.6% YoY), while total income expanded 22.1% YoY to ₹2,280.93 crore.Improving Asset Quality: Gross Non-Performing Assets (GNPA) improved by 35 basis points to 2.17%, with Net NPA standing at an ultra-lean 0.34%.Upgraded Guidance: On the back of robust initial momentum, management upgraded its full-year Return on Assets (RoA) guidance to 1.8%–2.0%.Also Read :- Gulf Lloyds IPO Allotment Expected Today: GMP Trends, Registrar Link & Status CheckUjjivan SFB Q1 FY27 Performance SummaryDriven by operational efficiency and a deliberate portfolio shift toward secured assets, the bank expanded both its top-line revenue and bottom-line profit margins. Total quarterly income increased 22.1% YoY to ₹2,280.93 crore from ₹1,867.83 crore in the June 2025 quarter.Below is an overview of key financial metrics reported for the quarter ended June 30, 2026:Metric / ParameterQ1 FY27 (June 2026)Q1 FY26 (June 2025)YoY Growth / ChangeNet Profit (PAT)₹316.54 Crore₹103.22 Crore+206.7%Net Interest Income (NII)₹1,186.00 Crore₹855.70 Crore+38.6%Total Income₹2,280.93 Crore₹1,867.83 Crore+22.1%Gross Loan Book₹42,903.00 Crore₹33,287.00 Crore+28.9%Total Deposits₹48,129.00 Crore₹38,627.00 Crore+24.6%Quarterly Disbursements₹9,252.00 Crore₹6,538.00 Crore+41.5%Gross NPA Ratio2.17%2.52%-35 bpsNet NPA Ratio0.34%0.41%-7 bpsCapital Adequacy Ratio (CAR)20.36%20.10%+26 bpsLoan Book Growth & Asset Quality StrengtheningThe bank's Gross Loan Book surged 28.9% YoY to ₹42,903 crore, supported by a 41.5% spike in quarterly disbursements at ₹9,252 crore. Notably, secured loans now account for over 50% of the total portfolio, reflecting a successful structural shift away from unsecured microfinance lending.Asset quality indicators showed consistent improvement across key lending verticals. The GNPA ratio dropped to 2.17% from 2.52% a year ago, while Net NPA tightened to 0.34%, highlighting disciplined underwriting standards.Liability Profile & Capital PositionTotal deposits for Ujjivan Small Finance Bank expanded 24.6% YoY to reach ₹48,129 crore as of June 30, 2026. Current Account Savings Account (CASA) deposits grew 37.8% YoY to ₹12,930 crore, keeping the bank's CASA ratio at 26.9% and reducing its overall cost of funds to 6.9%.The bank maintains a comfortable capital cushion to support future credit expansion. Its Capital Adequacy Ratio (CAR) stood at 20.36% at the end of the quarter, well above regulatory requirements.How Investors Can Review the Q1 Earnings ReportRetail shareholders and analysts can access the detailed financial statements and management commentary through official exchange channels.Step 1: Download Official Investor DocumentsVisit the BSE or NSE corporate announcement pages or the official investor relations section at ujjivansfb.in.Locate the Financial Results for Q1 FY27 (Ended June 30, 2026) filing.Download the Investor Presentation and Un-audited Financial Results PDF files.Step 2: Track Shareholding & Brokerage UpdatesReview the updated Return on Assets (RoA) guidance metrics provided during the earnings call.Monitor brokerage research notes for revised target price estimates and earnings per share (EPS) projections.Also Read :- Cube Highways Trust InvIT IPO Sees 3% Subscription on Day 2: GMP, Price Band and Review
