Ujjivan Small Finance Bank Limited (NSE:UJJIVANSFB)

NSE:UJJIVANSFB Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	64,416	63,544	56,772	41,650	28,128	28,061
Interest Paid on Deposits	29,369	27,181	22,677	14,671	10,392	10,775
Net Interest Income	35,287	36,363	34,095	26,979	17,736	17,286
Net Interest Income Growth (YoY)	-4.08%	6.65%	26.37%	52.12%	2.61%	5.81%
Gain (Loss) on Sale of Assets	-4.85	-4.85	-14.72	-6.7	-19.97	-7.69
Gain (Loss) on Sale of Investments	74.52	74.52	240.29	17.84	177.09	559.46
Other Non-Interest Income	9,402	8,392	7,642	5,881	3,442	2,471
Total Non-Interest Income	9,472	8,462	7,868	5,892	3,599	3,023
Non-Interest Income Growth (YoY)	14.78%	7.56%	33.53%	63.72%	19.05%	-6.18%
Revenues Before Loan Losses	44,759	44,825	41,962	32,871	21,335	20,309
Provision for Loan Losses	9,472	7,477	2,149	177.96	11,875	7,906
Revenue	35,287	37,348	39,813	32,693	9,460	12,403
Revenue Growth (YoY)	-13.97%	-6.19%	21.78%	245.58%	-23.72%	-30.51%
Salaries and Employee Benefits	16,212	14,822	11,716	9,112	8,141	7,265
Occupancy Expenses	4,015	4,015	3,259	2,665	2,261	2,419
Selling, General & Administrative	1,611	1,616	1,718	1,343	712.51	541.65
Other Non-Interest Expense	8,174	7,479	6,098	4,901	3,864	1,852
Total Non-Interest Expense	30,012	27,932	22,791	18,021	14,964	12,301
EBT Excluding Unusual Items	5,274	9,416	17,022	14,672	-5,504	101.98
Pretax Income	5,274	9,416	17,022	14,672	-5,504	101.98
Income Tax Expense	1,105	2,155	4,207	3,673	-1,358	19.01
Net Income	4,169	7,261	12,815	10,999	-4,146	82.97
Preferred Dividends & Other Adjustments	-	-	-	220	-	-
Net Income to Common	4,169	7,261	12,815	10,779	-4,146	82.97
Net Income Growth	-64.18%	-43.34%	16.51%	-	-	-97.63%
Basic Shares Outstanding	1,936	1,934	1,928	1,851	1,728	1,728
Diluted Shares Outstanding	1,952	1,956	1,961	1,854	1,728	1,729
Shares Change (YoY)	0.03%	-0.22%	5.76%	7.26%	-0.03%	12.10%
EPS (Basic)	2.15	3.75	6.65	5.82	-2.40	0.05
EPS (Diluted)	2.13	3.71	6.54	5.81	-2.40	0.05
EPS Growth	-64.24%	-43.27%	12.57%	-	-	-97.80%
Dividend Per Share	-	-	1.500	1.250	-	-
Dividend Growth	-	-	20.00%	-	-	-
Effective Tax Rate	20.95%	22.88%	24.71%	25.04%	-	18.64%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.