Ujjivan Small Finance Bank delivered a healthy business performance in Q3 FY26, marked by strong growth in deposits, loan book expansion, and improving asset quality. Total deposits rose to 22.2%/₹42,219 crore YoY, driven by a sharp 33% YoY growth in CASA deposits, keeping the CASA ratio stable at 27.3%
The gross loan book increased 21.6% YoY to ₹37,055 crore, supported by diversification towards secured and retail assets. The SFB is inclining gradually towards secured loan portfolio. The secured loan book grew nearly 49% YoY, raising its share to 48.1% of total advances, which strengthens balance sheet stability. High growth was seen in Housing loans (49.6% YoY up), MSME (69% YoY up), Vehicle loans (119% YoY up), Gold loans (385% YoY up), and Agri banking (212% YoY up), highlighting a shift towards secured lending.
Disbursements remained robust during the quarter, with overall disbursements up 55% YoY to ₹8,311 crore. Growth was broad-based across Group Loans, Individual Loans, Housing, Vehicle, and Gold loans, indicating sustained demand across core segments.
On the asset quality front, the bank continued to show improvement. Gross NPA declined to 2.39%, while PAR improved to 3.98%, reflecting better collections and portfolio discipline. Micro banking collection efficiency remained extremely strong at 99.7%, underlining stable borrower behaviour.
Overall, Ujjivan SFB’s Q3 FY26 update reflects strong growth momentum, improving asset quality, rising share of secured loans, and stable deposit franchise, which together strengthen the bank’s medium-term outlook.
⚠️ Disclaimer
The above figures are based on publicly available business update disclosures and rounded growth rates. They are indicative in nature and meant for educational purposes only. This is not investment advice.
