Ujjivan Small Finance Bank Ltd. · NSE:UJJIVANSFB
Ujjivan Small Finance Bank — Q1 FY2027 Earnings Presentation
50 slides from Ujjivan Small Finance Bank's earnings presentation, Jul 23, 2026
Slide 1: Exchange intimation letter for investor presentation
USFB/CS/SE/2026-27/56 Date: July 23, 2026 To, National Stock Exchange of India Limited BSE Limited Listing Department, Listing Compliance, Exchange Plaza, C -1, Block G, Bandra Kurla P.J. Tower, Complex, Bandra (E), Dalal Street, Fort, Mumbai-400 051 Mumbai-400 001 Symbol: UJJIVANSFB Scrip Code: 542
Slide 2: Q1FY27 Investor Presentation
Q1FY27 Investor Presentation
Slide 3: Disclaimer
Disclaimer • This presentation has been prepared by Ujjivan Small Finance Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. All information contained has been prepared solely by
Slide 4: Key Highlights
Key Highlights • Resilient Q1 performance leads to revised FY27 RoA guidance to 1.8% to 2.0% • Consistent income supported by disciplined opex and stable credit costs Major Highlights • Secured share reached 50.4% with secured Gross Loan Book growing 7.8% sequentially • Liquidity: Calibrated optimiz
Slide 5: Key Business Highlights Q1FY27
Key Business Highlights Q1FY27 ₹ 42,903# Cr ₹ 48,129 Cr Gross Total Deposits Up 25% YoY Up 29% YoY Loan Book Jun’25: ₹38,619 Cr Jun’25: ₹33,287 Cr ₹ 21,638 Cr Secured ₹ 32,716 Cr Retail TD+ Up 43% YoY Loan Book CASA Up 17% YoY Jun’25: ₹15,162 Cr Jun’25: ₹27,884 Cr (1 EMI+OD) (MB X Bucket CE%) 2.2% /
Slide 6: Key Financial Highlights Q1FY27
Key Financial Highlights Q1FY27 Q1FY27 Q1FY26 YoY Growth Q4FY26 QoQ Growth NII ₹1,186 Cr ₹856 Cr 38.6% ₹1,092 Cr 8.6% NIM 8.5% 7.7% 80 bps 8.5% (1) bps PPoP ₹548 Cr ₹360 Cr 52.0% ₹515 Cr 6.5% PAT ₹317 Cr ₹103 Cr 206.7% ₹282 Cr 12.3% % ROA 2.2% 0.8% 131 bps 2.1% 7 bps ROE 18.2% 6.7% 1,145 bps 17.2% 1
Slide 7: Well Diversified Pan India Presence
Well Diversified Pan India Presence Branches Jun’26 Gross Loan Book $ (%) – Top 10 States States with branch network Micro Banking# Non Micro Banking • 26 States and UTs Karnataka 5.8% 6.8% 12.6% • 347 Districts Tamil Nadu 6.0% 6.6% 12.6% 2 • 814 Branches (206 URCs) West Bengal 7.2% 4.1% 11.3% 2 Mah
Slide 8: Liabilities: Driving Retail Deposit Base
Liabilities: Driving Retail Deposit Base 7
Slide 9: Deposit Snapshot
Deposit Snapshot Total Liabilities Profile (₹ Cr) Deposit Breakup (₹ Cr) Retail Deposit Breakup (₹ Cr) 49,404 51,935 48,129 45,668 32,716 44,606 42,223 31,955 41,697 42,173 2,215 39,211 925 29,395 2,106 38,619 1,011 27,884 27,764 804 1,134 379 411 14,488 1,700 1,645 12,702 11,639 11,571 11,036 12,02
Slide 10: Diversified Deposit Mix
Diversified Deposit Mix Region Wise Deposit Mix Branch Classification Wise Deposit Mix Segment Wise Deposit Mix 35% 9% 24% 24% Jun’26 17% 11% 26% 34% 50% 9% 22% 33% 6% South North East West Metropolitan Rural Semi Urban Urban Individual Bank Corporate Govt TASC 3% 35% 23% 16% 10% Jun’25 41% 18% 6% 2
Slide 11: Gross Loan Book: Diversified Growth
Gross Loan Book: Diversified Growth 10
Slide 12: Gross Loan Book And Disbursement
Gross Loan Book And Disbursement Segment Wise Gross Loan Book Segment Wise Disbursement Gross Loan % Gross % Gross % % Growth Growth Disbursement Growth Growth Particulars Book Loan Book Loan Book Particulars Disbursement Disbursement YoY QoQ (₹ Cr) YoY QoQ (₹ Cr) (Q1FY27) (Q1FY26) (Q1FY27) (Q1FY26)
Slide 13: Book Yield And Average Ticket Size
Book Yield And Average Ticket Size Loan Book Yield (%) 22.5% 22.5% 22.2% 22.0% 22.0% 17.6% 17.5% 17.5% 17.6% 17.5% 12.0% 12.0% 12.1% 12.4% 12.3% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 *Micro Banking Overall ^Non Micro Banking *Micro Banking: Includes Microfinance GL & Non Microfinance GL and IL / ^Non M
Slide 14: Micro Banking (GL & IL)
Micro Banking (GL & IL) Gross Loan Book Growth (₹ Cr) Disbursement (₹ Cr) X Bucket Collection Efficiency 17% YoY 16% YoY 99.76% 19,372 20,709 21.371 99.68% 18,293 18,570 5,245 99.63% 4,688 4,581 6,014 6,186 4,259 5,687 3,934 1,376 99.48% 5,332 5,464 1,224 1,228 1,128 1,090 99.26% 13,685 14,696 15,18
Slide 15: Micro Banking (GL & IL)
Micro Banking (GL & IL) Disbursement To Borrower With Internal Peak PAR Trend (GL) Lender Wise GL Loan Book % Trend DPD Of 30+ In Preceding 6 Months 6.1% Lender Overlap Jun’25 Sep’25 Dec’25 Mar’26 Jun’26 5.4% Unique to Ujjivan 49.7% 51.0% 54.7% 55.9% 57.1% 5.4% 4.7% 0.13% 0.12% 0.12% 0.12% 0.11% 4.8
Slide 16: Drivers Of Secured Book Growth – Housing
Drivers Of Secured Book Growth – Housing Gross Loan Book Growth (₹ Cr) Disbursement (₹ Cr) Loan Book Yield (%) 41% YoY 28% YoY 10,477 11,210 19.4% 19.4% 19.2% 19.7% 19.5% 8,749 9,560 1,304 7,962 1,072 1,144 1,139 1,800 892 1,577 1,329 309 1,094 893 238 284 297 199 13.2% 13.2% 13.1% 13.5% 13.3% 8,231
Slide 17: Drivers Of Secured Book Growth – MSME
Drivers Of Secured Book Growth – MSME Gross Loan Book Growth (₹ Cr) Disbursement (₹ Cr) Business Highlights 54% YoY 24% YoY Loan Against Property (LAP): Vintage Business with mix of Semi- Formal and Formal MSMEs 572 Products: Long Term LAP, LRD, DLOD 3,230 3,470 509 497 2,865 457 53 Working Capital
Slide 18: Drivers Of Secured Book Growth – New Products
Drivers Of Secured Book Growth – New Products Vehicle Finance Gold Loan Agri Banking Business Performance Business Performance Business Performance ▪ Disbursement Run Rate Achieved: ₹80 Cr ▪ Disbursement Run Rate Achieved: ₹156 Cr ▪ Disbursement Run Rate Achieved: ₹38 Cr ▪ Book Yield: 20.2% ▪ Book Y
Slide 19: Asset Quality
@ Asset Quality ujJJIVAN UJJIVAN SMALL FINANCE BANK
Slide 20: Asset Quality
Asset Quality PAR 0, SMA & NPA (%) Q1FY27 NPA Movement # 4.81% 4.45% 3.98% 3.54% 3.58% 93 171 72 2.52% 2.45% 2.39% 2.27% 2.17% 2.29% 1.60% 1.99% 917 924 1.42% 1.27% Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Opening NPA Slippages Recoveries/ Write-Off Closing NPA PAR 0 SMA GNPA Upgrades Segment Wise PAR 0 a
Slide 21: Healthy Collections
Healthy Collections Bank Level Collection Efficiency % 98.5% 98.3% 98.4% 98.0% 97.9% 98.2% 98.0% 98.1% 97.1% 97.2% 97.3% 97.3% 96.7% 97.0% 96.7% 97.5% 97.4% 97.5% 97.5% 97.7% 97.2% 97.1% 96.9% 96.1% 96.4% 96.4% 96.3% 96.0% 96.2% 95.9% Apr'25 May'25 Jun'25 Jul'25 Aug'25 Sep'25 Oct'25 Nov'25 Dec'25 Ja
Slide 22: Provision Coverage
Provision Coverage Provision & PCR Q1FY27 Provision Breakup# Total 772 787 860 952 999 Provision 11 00 90 % 85% 81% 76% 130 80 % 90 0 73% 73% 130 Total NPA provision* Floating of ₹785 Cr 70 % 130 Provision of 130 ~₹181 Cr 70 0 130 60 % 50 % 50 0 869 822 40 % 730 642 657 30 0 30 % GNPA Floating Tier
Slide 23: Guidance FY27
Guidance FY27 Advances Growth Credit Cost RoA 0.9% to 1.0% of 1.8% to 2.0% ~ 25% the ATA# 22
Slide 24: Financial Overview
Ike Financial Overview UJJIVA vssiva’ € BANK
Slide 25: Financial Overview
Financial Overview Cost to Income (%) & Operating NII (₹ Cr) & NIM* (%) Expenses/ Average Total Assets (%) Pre-Provision Operating Profit (₹ Cr) 8.2% 8.5% 8.5% 6.7% 6.6% 70 % 6.2% 6.3% 3.8% 4.5 % 6.1% 3.7% 7.0 % 7.9% 8.5 % 3.4% 1,05 0 60 0 7.7% 4.0 % 65 % 3.2% 3.0% 8.0 % 6.0 % 950 3.5 % 50 0 7.5 % 8
Slide 26: Profit & Loss Statement
Profit & Loss Statement Particulars (₹ Cr) Q1FY27 Q1FY26 YoY Growth Q4FY26 QoQ Growth Interest Earned 2,025 1,619 25% 1,878 8% Other Income 257 249 3% 307 (16)% Total Income 2,282 1,868 22% 2,186 4% Interest Expended 839 763 10% 786 7% Personnel Expenses 506 414 22% 457 11% Operating Expenses 389 33
Slide 27: Total Income – Breakup
Total Income – Breakup Particulars (₹ Cr) Q1FY27 Q1FY26 YoY Growth Q4FY26 QoQ Growth Interest on loan 1,792 1,399 28% 1,658 8% Int. on investments 231 218 6% 218 6% Securitization Income 2 2 1% 2 3% Total Interest Earned 2,025 1,619 25% 1,878 8% Processing Fees 104 77 35% 115 (10)% PSLC Income 0 8 (
Slide 28: Balance Sheet
Balance Sheet As at As at As at Particulars (₹ Cr) Jun 30, 2025 Mar 31, 2026 Jun 30, 2026 CAPITAL AND LIABILITIES Net worth 6,191 6,816 7,144 Capital 1,935 1,943 1,945 Employees Stock Options Outstanding 93 97 99 Reserves and Surplus 4,163 4,776 5,100 Deposits 38,619 45,668 48,129 Borrowings 3,078 3
Slide 29: Healthy Capital Adequacy
Healthy Capital Adequacy Particulars (₹ Cr) Jun’25 Sep’25 Dec’25 Mar’26 Jun’26 Credit Risk Weighted Assets 26,691 29,076 29,638 31,738 34,011 Tier I Capital 5,654 5,782 5,967 6,252 6,515 Tier II Capital* 423 429 440 456 408 Total Capital 6,077 6,211 6,407 6,709 6,923 CRAR 22.77% 21.36% 21.62% 21.14%
Slide 30: Ujjivan – Platform For Growth
Ujjivan – Platform For Growth 29
Slide 31: Serving Customer Digitally
Serving Customer Digitally Mobile & Internet Banking Highlight Adoption Of New Customized Themes EZY MB Increased & Enhanced UI UX ~74% In Q1 250+ Features Micro Services & MF Distribution Multiple SDKs Live Integrations Key Achievements (Q1FY27) ~₹13K Cr / 96.6% 71% 46% month Savings Account Opened
Slide 32: Servicing Customers Through Multiple Channels
Servicing Customers Through Multiple Channels Channels Retail Mobile / Internet Business Mobile / Internet Banking Banking Payments • Available in 9 Languages • UPI, UPI Autopay & UPI Lite service available • Dedicated platform for corporate customers • Value added services includes: GST & Bill Paym
Slide 33: Data Analytics
Data Analytics Data Asset Loss Mitigation And Recovery Cross/Up-Sell(ML Based), Outcomes Arrest loan loss by scorecard driven NTB Acquisition underwriting, behavioural scorecard for collection, recovery model for 7 1 Unlock business contribution by activating all verticals, utilizing phone banking &
Slide 34: Strong Independent Board
Strong Independent Board Banavar Anantharamaiah Prabhakar Sanjeev Nautiyal Sudha Suresh Chairman and Independent Director MD & Chief Executive Officer Independent Director Education:Commerce graduate (University of Education: BA (Lucknow University), MBA Education: B.Com (Honors) CA (ICAI), Grad Mys
Slide 35: Key Management
Key Management Sanjeev Nautiyal Carol Furtado Martin Pampilly S MD & Chief Executive Officer Executive Director Chief Operating Officer Education: BA (Lucknow University), MBA Education: B. Sc (Bangalore University), PGDM Education: COO Certified (IIM Lucknow) (Lucknow University) (Mount Carmel Inst
Slide 36: Business Leaders
Business Leaders Rajeev Padmanabh Pawar Hitendra Nath Jha Umesh Arora Head of Treasury Head Retail Liabilities, TASC & TPP Head of Emerging Business Education: Bachelor of Science (Ranchi Education: MBA (JBIMS, University Of Mumbai) University), Bachelor of Laws (Saurashtra Education: Post Graduate
Slide 37: Shareholding Pattern As On Jun’26
Shareholding Pattern As On Jun’26 Top 10 Investors Sundaram Mutual Fund 33.5% International Financial Corporation 16.8% Axis Mutual Fund Franklin Mutual Fund Kotak Mahindra Mutual Fund Vanguard Group 49.7% Union Mutual Fund Aditya Birla Sun Life Mutual Fund Foreign Institutional Investors (FPI, FPC
Slide 38: ESG
ujJJIVAN UJJIVAN SMALL FINANCE BANK ESG
Slide 39: ESG Rating
ESG Rating 80/100 Poor Weak Moderate Good Outstanding 0 20 40 60 80 100 Ujjivan Small Finance Bank Limited Previous Score Current Score Rating Symbol Rating Movement ESG Impact Rating - 80 Outstanding - Environment Social Governance 76 40 60 40 60 40 60 20 80 20 80 84 20 80 83 0 100 0 100 0 Good Out
Slide 40: ESG At Our Core
ESG At Our Core Environment 1.60 (tCO2eScope 1 Scope 3 Emissions ~32,415 KWh Water Intensity/ Waste Intensity/ Paper Saving & 2 Emission Intensity/Cr Solar Energy Cr Turnover: Cr Turnover through Digitalisation – Intensity/Cr Turnover: generated & used 20.87 (KL) 0.0118 (tCO2e) 24% from FY ‘23 Turno
Slide 41: Empowering Banking Through Financial Inclusion
Empowering Banking Through Financial Inclusion 30,846 customers enrolled in Diksha Financial Literacy Program FLC 8,455 customers and non-customers FL program. 26% customers Diksha+ Pro attended the camps across 195 rural accessed different banking (FLP) for Rural branches products. 33% customers pa
Slide 42: Corporate Social Responsibility
Corporate Social Responsibility Tree plantation 4,000 saplings planted in Tulapar, Pune. The project aims at supporting 4K environmental restoration, carbon sequestration, water management, and improved air quality Cleanliness & Plantation Drive 149 Branches participated in the drive 149 9,056 Trees
Slide 43: Ujjivan’s Journey
Ujjivan’s Journey 2016- 2023- 17 24 GLB ₹40,655 Cr Ujjivan Financial Services Ujjivan SFB IPO launched; listed in Dec 2019 Reported highest ever PAT Ltd. (UFSL) registered as In-principle SFB approval Deposits ₹45,668 Cr ₹1,281 Cr NBFC with RBI in 2015 Highest ever CASA 28.6% Deposits crossed ₹10,00
Slide 44: 5 Year Annual Trend
iil 5 Year Annual Trend ujJJIVAN UJJIVAN SMALL FINANCE BANK
Slide 45: Performance Track Record (1/4)
Performance Track Record (1/4) Total Deposits (₹ Cr) Retail Deposits(₹ Cr) CASA Breakup (₹ Cr) 26% 34% 27% 13,062 9,612 8,335 6,744 45,668 11,639 31,955 4,993 37,630 26,676 31,462 8,494 22,085 7,566 25,538 16,862 6,159 4,488 18,292 9,921 1,422 504 585 768 1,118 FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY2
Slide 46: Performance Track Record (2/4)
Performance Track Record (2/4) Gross Loan Book (₹ Cr) Disbursement (₹ Cr) 22% 23% 40,655 32,576 32,122 29,780 23,464 23,389 24,085 20,037 18,162 14,113 FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 Branch Network (Nos) Employees (Nos) Asset Customer^ (Nos Lakh) 11% 26,555 24,374 776 22,566 752 7
Slide 47: Performance Track Record (3/4)
Performance Track Record (3/4) Margin (%) Operating Efficiency (%) Asset Quality (%) 7.1% 10 1% 8.0 % 6.8% 6.3% 6.2% 6.3% 6.4% 7.0 % 81 % 9.5% 8.8% 9.1% 8.8% 6.0 % 61 % 8.1% 5.0 % 2.6% 2.2% 2.2% 2.3% 70% 41 % 4.0 % 66% 62% 55% 54% 7.3% 7.5% 7.2% 3.0 % 0.6% 0.3% 0.5% 0.4% 21 % 0.04% 6.2% 6.4% 2.0 % 1
Slide 48: Performance Track Record (4/4)
Performance Track Record (4/4) Net Worth (₹ Cr) BVPS (₹) Cross Cycle RoA (%) Average ROA: 1.7% 6,816 35.1 6,084 5,613 31.4 3.9% 29.1 3.5% 4,209 20.5 1.6% 1.4% 2,802 15.1 -1.9% FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 COVID-19 Effect FY22 FY23 FY24 FY25 FY26 CRAR (%) EPS (₹) Cross Cycle RoE
Slide 49: Glossary
Glossary Abreviations Full Form Abreviations Full Form Abreviations Full Form ACR Automated Cash Recyler FTE Full Time Executive NNPA Net Non Performing Asset AePs Aadhaar Enabled Payment System FY Financial Year NTB New To Bank AHL Affordable Housing GL Group Loan OD Overdraft AMC Annual Maintenanc
Slide 50: Thank You
THANK YOU For Investor Queries: investorrelations@ujjivan.bank.in siddharth.bharadwaj@ujjivan.bank.in gaurav.sah@ujjivan.bank.in 49
Ujjivan Small Finance Bank — Q1 FY2027 Earnings Presentation on 6ix