Ujjivan Small Finance Bank Ltd. · NSE:UJJIVANSFB
Ujjivan Small Finance Bank — Q2 FY27 Earnings Presentation
51 slides from Ujjivan Small Finance Bank's earnings presentation, Oct 16, 2026
Slide 1: Exchange intimation letter for investor presentation
USFB/CS/SE/2026-27/101 Date: October 16, 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:
Slide 2: Q2FY27 Investor Presentation
Q2FY27 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: Ujjivan Brand Campaign – Launched Sep'26
Ujjivan Brand Campaign – Launched Sep’26 Brand Ambassador: Padma Shri R. Madhavan Brand Ambassador: Padma Shri R. Madhavan A campaign that challenges perceptions of ‘Small’ and reflects the scale and ambition of Ujjivan Small Finance Bank Our campaigns are currently reaching audiences across multipl
Slide 5: Key Highlights
Key Highlights • Mr. Nautiyal decided to take an early retirement due to health reasons, NRC is actively engaged to ensure timely submission of MD candidate to the regulator • Preferential allotment amounting to ₹409 Cr, approved by Board, subject to shareholders approval Major Highlights • Holding
Slide 6: Key Business Highlights Q2FY27
Key Business Highlights Q2FY27 ₹ 45,699# Cr ₹ 50,643 Cr Gross Total Deposits Up 29% YoY Up 32% YoY Loan Book Sep’25: ₹39,211 Cr Sep’25: ₹34,588 Cr ₹ 23,803 Cr Secured ₹ 33,807 Cr Retail TD+ Up 47% YoY Loan Book CASA Up 22% YoY Sep’25: ₹16,173 Cr Sep’25: ₹27,764 Cr (1 EMI+OD) (MB X Bucket %) 2.1% / 0
Slide 7: Key Financial Highlights Q2FY27
Key Financial Highlights Q2FY27 Q2 YoY QoQ H1 YoY Q2FY27 Q2FY26 Q1FY27 H1FY27 H1FY26 Growth Growth Growth NII ₹ 1,244 ₹ 922 35% ₹ 1,186 5% ₹ 2,431 ₹ 1,778 37% NIM 8.4% 7.9% 55 bps 8.5% (6) bps 8.5% 7.8% 68 bps PPoP ₹ 594 ₹ 395 50% ₹ 548 8% ₹ 1,142 ₹ 756 51% PAT ₹ 365 ₹ 122 200% ₹ 317 15% ₹ 682 ₹ 225
Slide 8: Well Diversified Pan India Presence
Well Diversified Pan India Presence Branches Sep’26 Gross Loan Book $ (%) – Top 10 States States with branch network Micro Banking # Non Micro Banking • 26 States and UTs Karnataka 5.7% 7.0% 12.7% • 352 Districts Tamil Nadu 5.9% 6.6% 12.5% 2 2 • 880 Branches (223 URCs) West Bengal 6.9% 4.2% 11.1% Ma
Slide 9: Liabilities: Driving Retail Deposit Base
Liabilities: Driving Retail Deposit Base 8
Slide 10: Deposit Snapshot
Deposit Snapshot Total Liabilities Profile (₹ Cr) Deposit Breakup (₹ Cr) Retail Deposit Breakup (₹ Cr) 53,666 48,129 50,643 51,935 45,668 33,807 49,404 42,223 32,716 39,211 809 31,955 44,606 1,200 925 27,764 29,395 42,173 2,215 1,011 2,106 804 1,134 411 14,488 16,027 11,675 1,645 12,702 11,639 11,57
Slide 11: Diversified Deposit Mix
Diversified Deposit Mix Region Wise Deposit Mix Branch Classification Wise Deposit Mix Segment Wise Deposit Mix 35% 9% 23% 24% Sep’26 17% 12% 27% 34% 51% 8% 21% 33% 6% South North East West Metropolitan Rural Semi Urban Urban Individual Bank Corporate Govt TASC 3% 22% 35% 16% 11% Sep’25 42% 18% 7% 2
Slide 12: Gross Loan Book: Diversified Growth
Gross Loan Book: Diversified Growth 11
Slide 13: 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) (Q2FY27) (Q2FY26) (Q1FY27) (Q1FY26)
Slide 14: Book Yield And Average Ticket Size
Book Yield And Average Ticket Size Loan Book Yield (%) 22.5% 22.5% 22.6% 22.2% 22.0% 17.5% 17.5% 17.6% 17.5% 17.4% 12.0% 12.1% 12.4% 12.3% 12.3% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 *Micro Banking Overall ^Non Micro Banking *Micro Banking: Includes Microfinance GL & Non Microfinance GL and IL / ^Non M
Slide 15: Micro Banking (GL & IL)
Micro Banking (GL & IL) Gross Loan Book Growth (₹ Cr) Disbursement (₹ Cr) X Bucket Collection Efficiency 19% YoY 10% YoY 99.76% 99.71% 19,372 20,709 21,371 22,037 99.68% 18,570 5,245 99.63% 4,688 4,581 4,706 6,014 6,186 6,380 4,259 5,687 1,376 99.48% 5,464 1,224 1,228 1,310 1,128 14,696 15,185 15,65
Slide 16: 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 5.4% Lender Overlap Sep’25 Dec’25 Mar’26 Jun’26 Sep’26 4.7% Unique to Ujjivan 51.0% 54.7% 55.9% 57.1% 57.7% 4.8% 0.13% 4.2% 4.2% 0.12% 0.12% 0.12% 0.12
Slide 17: Drivers Of Secured Book Growth – Housing
Drivers Of Secured Book Growth – Housing Gross Loan Book Growth (₹ Cr) Disbursement (₹ Cr) Loan Book Yield (%) 38% YoY 24% YoY 19.4% 19.2% 19.7% 19.5% 10,477 11,210 12,087 19.4% 9,560 1,304 1,327 8,749 1,072 1,144 1,139 2,031 1,577 1,800 323 1,329 309 1,094 238 284 297 13.2% 13.1% 13.5% 13.3% 13.4%
Slide 18: Drivers Of Secured Book Growth – MSME
Drivers Of Secured Book Growth – MSME Gross Loan Book Growth (₹ Cr) Disbursement (₹ Cr) Business Highlights 51% YoY 44% YoY Loan Against Property (LAP): Vintage Business with mix of Semi- Formal and Formal MSMEs 729 Products: Long Term LAP, LRD, DLOD 3,470 3,871 3,230 2,865 572 Working Capital (WC):
Slide 19: 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: ₹68 Cr ▪ Disbursement Run Rate Achieved: ₹169 Cr ▪ Disbursement Run Rate Achieved: ₹56 Cr ▪ Book Yield: 20.2% ▪ Book Y
Slide 20: Asset Quality
@ Asset Quality ujJJIVAN UJJIVAN SMALL FINANCE BANK
Slide 21: Asset Quality
Asset Quality PAR 0, SMA & NPA (%) YTD NPA Movement # 4.45% 183 3.98% 352 3.54% 3.58% 3.57% 131 2.45% 2.39% 2.27% 2.17% 2.10% 1.60% 917 955 1.99% 1.42% 1.47% 1.27% Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Opening NPA Slippages Recoveries/ Write-Off Closing NPA PAR 0 SMA GNPA Upgrades Segment Wise PAR 0 an
Slide 22: Healthy Collections
Healthy Collections Bank Level Collection Efficiency % 98.5% 98.6% 98.7% 98.7% 98.2% 98.3% 98.4% 98.0% 97.9% 98.0% 98.1% 97.1% 97.2% 97.3% 97.3% 97.9% 98.1% 98.1% 97.5% 97.4% 97.5% 97.5% 97.7% 97.2% 97.1% 96.9% 96.4% 96.4% 96.3% 96.2% Jul'25 Aug'25 Sep'25 Oct'25 Nov'25 Dec'25 Jan'26 Feb'26 Mar'26 Ap
Slide 23: Provision Coverage
Provision Coverage Provision & PCR Q2FY27 Provision Breakup# Total 787 860 952 999 1,047 Provision 85% 85% 11 00 81% 76% 80 % 130 Total NPA 73% 130 provision* 90 0 130 of ₹818 Cr 70 % Floating Provision of 130 ~₹181 Cr 130 60 % 70 0 50 % 50 0 917 40 % 869 822 730 657 30 % 30 0 GNPA Floating Tier II
Slide 24: Guidance FY27
Guidance FY27 Advances Growth Credit Cost RoA 0.9% to 1.0% of 1.8% to 2.0% ~ 25% the ATA# 23 #Calculation methodology changed from Average GLB to Average Balance sheet
Slide 25: Financial Overview
Ike Financial Overview UJJIVA vssiva’ € BANK
Slide 26: 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% 8.4% 6.7% 6.6% 70 % 6.3% 3.8% 3.8% 4.5 % 6.1% 6.1% 3.7% 7.0 % 7.9% 8.5 % 3.4% 1,05 0 60 0 4.0 % 950 8.0 % 65 % 6.0 % 50 0 3.2% 3.5 % 7.5 % 8
Slide 27: Financial Overview
Financial Overview PAT (₹ Cr) & RoE (%) EPS (₹) Net Worth (₹ Cr) 19.7% 18.2% 17.2% 40 0 20 .0% 18 .0% 35 0 16 .0% 30 0 11.5% 14 .0% 25 0 12 .0% 1.87 20 0 7.7% 365 10 .0% ^ 1.63 7,144 7,532 317 1.45 ^ 6,816 8.0 % 282 15 0 6,323 6,519 0.96 6.0 % 186 10 0 50 122 4.0 % 0.63 2.0 % 0 0.0 % Q2FY26 Q3FY26 Q
Slide 28: Profit & Loss Statement
Profit & Loss Statement Particulars (₹ Cr) Q2FY27 Q2FY26 YoY Growth Q1FY27 QoQ Growth H1FY27 H1FY26 YoY Growth Interest Earned 2,151 1,682 28% 2,025 6% 4,176 3,301 26% Other Income 300 256 17% 257 17% 557 505 10% Total Income 2,450 1,939 26% 2,282 7% 4,732 3,806 24% Interest Expended 906 761 19% 839
Slide 29: Total Income – Breakup
Total Income – Breakup Particulars (₹ Cr) Q2FY27 Q2FY26 YoY Growth Q1FY27 QoQ Growth H1FY27 H1FY26 YoY Growth Interest on loan 1,915 1,473 30% 1,792 7% 3,707 2,872 29% Int. on investments 234 207 13% 231 1% 465 425 9% Securitization Income 2 2 (19)% 2 (8)% 4 5 (27)% Total Interest Earned 2,151 1,682
Slide 30: Balance Sheet
Balance Sheet As at As at As at Particulars (₹ Cr) Sep 30, 2025 Jun 30, 2026 Sep 30, 2026 CAPITAL AND LIABILITIES Net worth 6,323 7,144 7,532 Capital 1,937 1,945 1,951 Employees Stock Options Outstanding 93 99 95 Reserves and Surplus 4,293 5,100 5,486 Deposits 39,211 48,129 50,643 Borrowings 2,962 3
Slide 31: Healthy Capital Adequacy
Healthy Capital Adequacy Particulars (₹ Cr) Sep’25 Dec’25 Mar’26 Jun’26 Sep’26 Credit Risk Weighted Assets 29,076 29,638 31,738 34,011 35,149 Tier I Capital 5,782 5,967 6,252 6,515 6,850 Tier II Capital* 429 440 456 408 423 Total Capital 6,211 6,407 6,709 6,923 7,273 CRAR 21.36% 21.62% 21.14% 20.36%
Slide 32: Ujjivan – Platform For Growth
Ujjivan – Platform For Growth 31
Slide 33: Serving Customer Digitally
Serving Customer Digitally Mobile & Internet Banking Highlight Adoption Of New Customized Theme EZY MB Increased added for Ivory & ~43% In Q2 Enhanced UI UX 260+ Features Micro Services & ASBA IPO Live In Multiple SDKs & URL Q2 Integrations Q2FY27 Key Achievements ~₹13K Cr / 95% 67% 48% month Saving
Slide 34: Servicing Customers Through Multiple Channels
Servicing Customers Through Multiple Channels Channels Retail Mobile / Internet Business Mobile / Internet Banking Banking Payments • Available in 9 Languages • Dedicated platform for corporate customers • UPI, UPI Autopay, & UPI Lite service available • Value added services includes: GST & Bill Pay
Slide 35: 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 36: Strong Independent Board
Strong Independent Board Banavar Anantharamaiah Prabhakar Carol Furtado Sudha Suresh Chairman and Independent Director Interim CEO and Whole Time Director Independent Director Education:Commerce graduate (University of Education: B. Sc (Bangalore University), PGDM Education: B.Com (Honors) CA (ICAI)
Slide 37: Key Management
Key Management Carol Furtado Sadananda Balakrishna Kamath Ashish Goel Interim CEO and Whole Time Director Chief Financial Officer Chief Credit Officer Education: B. Sc (Bangalore University), PGDM Education: Associate Company Education: PGDM in Marketing & Finance (XIM, (Mount Carmel Institute) Secr
Slide 38: Business Leaders
Business Leaders Rajeev Padmanabh Pawar Hitendra Nath Jha Vibhas Chandra Head of Treasury Head Retail Liabilities, TASC & TPP Business Head Micro Banking & Gold Loan Education: Bachelor of Science (Ranchi Education: MBA (JBIMS, University Of Mumbai) University), Bachelor of Laws (Saurashtra Educatio
Slide 39: Shareholding Pattern As On Sep'26
Shareholding Pattern As On Sep’26 Top 10 Investors Axis Mutual Fund 36.0% Sundaram Mutual Fund 18.0% International Finance Corporation Aditya Birla Sun Life Mutual Fund Franklin Mutual Fund Kotak Mahindra Mutual Fund 46.0% Vanguard Group Canara Robeco Mutual Fund Foreign Institutional Investors (FPI
Slide 40: ESG
ujJJIVAN UJJIVAN SMALL FINANCE BANK ESG
Slide 41: ESG Rating (ICRA)
ESG Rating(ICRA) 82/100 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 - 82 Outstanding - Environment Social Governance 78 40 60 40 60 40 60 20 80 20 80 86 20 80 84 0 100 0 100 0 Go
Slide 42: Financial Literacy Program (FLP)
Financial Literacy Program (FLP) 28,695 customers enrolled in Diksha FLC 8,930 customers and non-customers FL program. 17% customers accessed Diksha+ Pro for Rual attended the camps across 199 rural different banking products. 36% customers paid their EMI digitally For GL Cust Customers branches 5,6
Slide 43: Corporate Social Responsibility
Corporate Social Responsibility 62 169 3.5K+ 1.29L Cleanliness & Chote Kadam plantation drive Employee volunteers Beneficiaries impacted Projects approved across government schools, hospitals 149 branches participated Employees volunteered for People benefited through and other institutions. 1,148 t
Slide 44: 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 45: 5 Year Annual Trend
iil 5 Year Annual Trend ujJJIVAN UJJIVAN SMALL FINANCE BANK
Slide 46: 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 22,084 25,538 7,566 16,862 6,159 4,488 18,292 9,921 504 585 768 1,118 1,422 FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY2
Slide 47: 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) 6% 26,555 24,374 776 22,566 752 75
Slide 48: Performance Track Record (3/4)
Performance Track Record (3/4) Margin (%) Operating Efficiency (%) Asset Quality (%) 10 1% 8.0 % 6.8% 7.1% 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% 70% 2.3% 41 % 4.0 % 66% 2.2% 2.2% 62% 55% 54% 7.3% 7.5% 7.2% 21 % 3.0 % 0.6% 0.3% 0.5% 0.4% 6.2% 6.4% 2.0 % 0.04% 1
Slide 49: 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 50: 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 51: Thank You
THANK YOU For Investor Queries: investorrelations@ujjivan.bank.in siddharth.bharadwaj@ujjivan.bank.in gaurav.sah@ujjivan.bank.in 50
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