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HALF YEARLY RESULTS

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Ujjivan Small Finance Bank Ltd.

Jul 23 BSE 68.83 (+ 3.77 5.79%)

Volume8711971

Prev. Close
65.06

Open Price
65.00

Today's Low / High

61.68 72.20

Bid. Price (Qty.)0.00 (0)

Offer Price (Qty.)
0.00 (0)

52 Wk Low / High

41.40 72.20

Jul 23 NSE 68.78(+ 3.73 5.73%)

Volume150100120

Prev. Close
65.05

Open Price
65.05

Today's Low / High

61.75 72.24

Bid Price (Qty.)0.00 (0)

Offer Price (Qty.) 0.00 (0)

52 Wk Low / High

41.32 72.24

Standalone

(₹ in Crs.)

Particulars	Mar 26	Sep 25	Mar 25	Sep 24	Mar 24
Interest Earned
Int. /Disc. on Adv/Bills	3205.92	2871.54	2741.39	2784.32	2629.70
Income on Investment	415.45	414.87	410.74	395.09	356.71
Int. on balances With RBI	5.44	10.56	7.08	3.88	6.19
Others	3.47	4.18	5.22	6.68	6.54
Total Interest Earned	3630.28	3301.15	3164.43	3189.97	2999.14
Other Income	602.18	505.34	441.86	404.34	420.89
Total Income	4232.46	3806.49	3606.29	3594.31	3420.03

EXPENDITURE
Interest Expended	1536.92	1523.52	1413.38	1304.74	1205.67
Employee Cost	943.76	847.21	790.80	708.69	641.30
Other Expenses	797.38	680.04	683.18	610.56	597.20
Total Expenses	3278.06	3050.77	2887.36	2623.98	2444.17

Operating Profit Before Provisions And Contingencies	954.40	755.72	718.93	970.32	975.86
Provisions And Contingencies	339.19	459.90	487.30	260.36	141.91
P/L Before Tax	615.21	295.82	231.63	709.96	833.95
Tax	147.52	70.88	39.62	175.85	204.26
P/L After Tax from Ordinary Activities	467.69	224.94	192.01	534.11	629.69
Net Profit/Loss For the Period	467.69	224.94	192.01	534.11	629.69

Equity Share Capital	1942.71	1937.15	1935.00	1934.18	1931.43
Capital Adequacy Ratio - Basel -II	21.14	21.36	23.10	23.38	24.69
EPS Before Extra Ordinary *
Basic EPS (Rs.)	2.41	1.16	0.99	2.76	3.26
Diluted EPS (Rs.)	2.41	1.15	0.99	2.72	3.26
EPS After Extra Ordinary *
Basic EPS (Rs.)	2.41	1.16	0.99	2.76	3.26
Diluted EPS (Rs.)	0.00	1.15	0.00	2.72	0.00

NPA Ratios:
Gross NPA	916.71	843.11	695.89	749.96	612.52
Net NPA	170.44	225.00	152.43	164.08	76.29
(%) of Gross NPA	2.26	2.45	2.18	2.52	2.23
(%) of Net NPA	0.43	0.67	0.49	0.56	0.28
Return on Assets %	0.51	0.47	0.18	1.28	0.84

OPBPC Margin (%)	26.28	22.89	22.71	30.41	32.53
PBT Margin (%)	16.94	8.96	7.31	22.25	27.80
PAT Margin (%)	12.88	6.81	6.06	16.74	20.99

Particulars	Mar 26
Interest Earned
Int. /Disc. on Adv/Bills	3205.92
Income on Investment	415.45
Int. on balances With RBI	5.44
Others	3.47
Total Interest Earned	3630.28
Other Income	602.18
Total Income	4232.46

EXPENDITURE
Interest Expended	1536.92
Employee Cost	943.76
Other Expenses	797.38
Total Expenses	3278.06
Operating Profit Before Provisions And Contingencies	954.40
Provisions And Contingencies	339.19
P/L Before Tax	615.21
Tax	147.52
P/L After Tax from Ordinary Activities	467.69
Net Profit/Loss For the Period	467.69
Equity Share Capital	1942.71
Capital Adequacy Ratio - Basel -II	21.14
EPS Before Extra Ordinary *
Basic EPS (Rs.)	2.41
Diluted EPS (Rs.)	2.41
EPS After Extra Ordinary *
Basic EPS (Rs.)	2.41
Diluted EPS (Rs.)	0.00
NPA Ratios:
Gross NPA	916.71
Net NPA	170.44
(%) of Gross NPA	2.26
(%) of Net NPA	0.43
Return on Assets %	0.51
OPBPC Margin (%)	26.28
PBT Margin (%)	16.94
PAT Margin (%)	12.88