Ujjivan SFB deposits rose 29.2% year-on-year to Rs 50,649 crore for the quarter ended September 30, 2026, according to Ujjivan Small Finance Bank Ltd’s October 3, 2026 BSE filing. Its gross loan book, including securitisation, increased 32.1% to Rs 45,699 crore in Q2 FY27.

Sequentially, deposits grew 5.2% from Rs 48,129 crore, while the gross loan book expanded 6.5% from Rs 42,903 crore. Current account and savings account (CASA) deposits increased 22.2% year-on-year and 1.9% quarter-on-quarter to Rs 13,182 crore.

However, the CASA ratio declined to 26.0%, compared with 27.5% a year earlier and 26.9% in Q1 FY27. The credit-deposit ratio, excluding securitisation, stood at 89.97%, against 87.78% a year earlier and 88.85% in the preceding quarter.

Secured lending accounts for 52% of loan book

The bank’s secured book grew 47.0% year-on-year to Rs 23,773 crore, increasing its share of total loans to 52.0% from 46.8% a year earlier and 50.4% in Q1 FY27.

  • Housing loans, including MM, rose 38.2% year-on-year to Rs 12,087 crore.
  • MSME loans increased 51.3% to Rs 3,871 crore, while gold loans grew 209.7% to Rs 1,275 crore.
  • Group loans expanded 19.5% to Rs 15,658 crore, and individual loans rose 16.8% to Rs 6,381 crore.

Total disbursements increased 33.1% year-on-year to Rs 10,560 crore, up 14.2% sequentially. FIG disbursements rose 81.6% year-on-year to Rs 2,456 crore, while MSME disbursements increased 50.6% to Rs 765 crore. Vehicle loan disbursements fell 15.1% sequentially to Rs 203 crore, despite growing 23.3% year-on-year.

GNPA ratio eases to 2.10%

The gross non-performing assets ratio declined to 2.10% from 2.17% in Q1 FY27 and 2.45% a year earlier. Portfolio at risk stood at 3.57%, compared with 3.58% sequentially and 4.45% a year earlier.

Write-offs were Rs 43 crore, against Rs 72 crore in Q1 FY27 and Rs 213 crore in Q2 FY26; the bank noted that prior numbers were reclassified. Micro banking Bucket X collection efficiency for group and individual loans improved to 99.72% from 99.68% sequentially and 99.48% a year earlier.

The bank said its Q2 FY27 figures are provisional and subject to audit or limited review by its statutory auditors.