NSE:UJJIVANSFB Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest Income on Loans	77,669	69,314	63,544	56,772	41,650	28,128
Interest Paid on Deposits	32,794	30,604	27,181	22,677	14,671	10,392
Net Interest Income	45,291	38,710	36,363	34,095	26,979	17,736
Net Interest Income Growth	28.35%	6.46%	6.65%	26.37%	52.12%	2.61%
Gain (Loss) on Sale of Assets	-10.39	-10.39	-4.85	-14.72	-6.7	-19.97
Gain (Loss) on Sale of Investments	873.78	873.78	74.52	240.29	17.84	177.09
Other Non-Interest Income	10,674	10,212	8,392	7,642	5,881	3,442
Total Non-Interest Income	11,538	11,075	8,462	7,868	5,892	3,599
Non-Interest Income Growth	21.81%	30.88%	7.56%	33.53%	63.72%	19.05%
Revenues Before Loan Losses	56,829	49,785	44,825	41,962	32,871	21,335
Provision for Loan Losses	5,695	7,991	7,477	2,149	177.96	11,875
Revenue	51,134	41,794	37,348	39,813	32,693	9,460
Revenue Growth	44.91%	11.91%	-6.19%	21.78%	245.58%	-23.72%
Salaries and Employee Benefits	19,397	17,719	14,822	11,716	9,112	8,141
Occupancy Expenses	4,101	4,101	4,015	3,259	2,665	2,261
Selling, General & Administrative	1,421	1,413	1,443	1,602	1,252	712.51
Other Non-Interest Expense	10,757	9,260	7,479	6,098	4,901	3,864
Total Non-Interest Expense	35,867	32,684	27,932	22,791	18,021	14,964
EBT Excluding Unusual Items	15,267	9,110	9,416	17,022	14,672	-5,504
Pretax Income	15,267	9,110	9,416	17,022	14,672	-5,504
Income Tax Expense	3,774	2,184	2,155	4,207	3,673	-1,358
Net Income	11,493	6,926	7,261	12,815	10,999	-4,146
Preferred Dividends & Other Adjustments	-	-	-	-	220	-
Net Income to Common	11,493	6,926	7,261	12,815	10,779	-4,146
Net Income Growth	175.65%	-4.61%	-43.34%	18.88%	-	-
Basic Shares Outstanding	1,942	1,938	1,934	1,928	1,851	1,728
Diluted Shares Outstanding	1,983	1,971	1,956	1,961	1,854	1,728
Shares Change	1.59%	0.74%	-0.22%	5.76%	7.26%	-0.03%
EPS (Basic)	5.92	3.57	3.75	6.65	5.82	-2.40
EPS (Diluted)	5.79	3.51	3.71	6.54	5.81	-2.40
EPS Growth	171.36%	-5.39%	-43.27%	12.57%	-	-

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Dividend Per Share	-	-	-	1.500	1.250	-
Dividend Growth	-	-	-	20.00%	-	-
Effective Tax Rate	24.72%	23.97%	22.88%	24.71%	25.04%	-