Ujjivan small finance bank share price

Incorporated in 2017, Ujjivan Small Finance Bank Limited (USFB) offers small finance to underserved & unserved segments in India. The bank aims to work for the financial inclusion of the country. USFB Bank is promoted by Ujjivan Financial Services Limited (UFSL) which is an NBFC providing financial services to the economically active poor, who are not served by the Financial Institutions. UFSL offers small size loan products to economically poor women, individual loans to Micro and Small Enterprises (MSEs). It follows the integrated lending approach where the company considers technology infrastructure and back-end support functioning before lending. USFB has a wide presence across 24 states and union territories in India. As on 30 June 2019, it has 4.72 million customers, 474 Banking Outlets, 387 ATMs, two 24/7 phone banking units (in Bengaluru and Pune) and 50 additionally operated Asset Centres. Customers can use USFB mobile banking application in 5 languages. USFB Loan Product 1. Agriculture and allied loans 2. Affordable housing loans 3. Loans to micro banking customers 4. Personal loans 5. Financial institutions group loans 6. Vehicle loans 7. MSE loans The bank has a diversified portfolio offering savings, current & deposit accounts, Aadhaar enrolment services, ATM-cum-debit cards, point of sales terminals, and distributing 3rd party insurance products. USFB is focussed on digital platform and provides bill payments, SMS banking, mobile banking, RuPay Platinum debit...

Ujjivan Small Finance Bank Limited is a mass market focused bank in India, catering to financially unserved and underserved segments and committed to building financial inclusion in the country. It started its operations as Ujjivan Financial Services Limited, a Non-Banking Financial Company in 2005 with the mission to provide financial services to the ‘economically active poor’ who were not adequately served by financial institutions. Business Segments Retail Banking (89%): It includes lending to and deposits from retail customers and identified earnings and expenses of the segment. Treasury (9%): The Treasury Segment primarily consists of net interest earnings from the Bank's Investment portfolio, money market borrowing, lending, gains or losses on Investment, etc. Wholesale Banking (2%): It consists of interest earned on loans made to corporates and financial institutions. Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Revenue 737 746 754 688 618 642 645 708 818 905 993 1,082 1,185 Interest 271 288 283 256 250 257 254 254 274 306 330 385 447 Expenses + 445 412 400 912 298 770 812 603 498 454 415 447 505 Financing Profit 22 46 70 -480 70 -385 -421 -149 46 146 248 250 233 Financing Margin % 3% 6% 9% -70% 11% -60% -65% -21% 6% 16% 25% 23% 20% Other Income + 72 29 62 100 114 73 55 104 127 125 147 139 179 Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0 Profit before tax 94 74 132 -380 184 -312 -366 -46 173 271 395 3...

Date Open High Low Close* Adj Close** Volume Jun 16, 2023 38.35 38.80 37.40 37.55 37.55 12,065,651 Jun 15, 2023 38.70 38.90 38.00 38.10 38.10 8,618,310 Jun 14, 2023 39.10 39.20 38.20 38.50 38.50 14,966,044 Jun 13, 2023 37.60 39.85 37.55 38.95 38.95 31,785,552 Jun 12, 2023 37.50 37.80 37.05 37.40 37.40 10,603,978 Jun 09, 2023 36.50 37.50 35.90 36.90 36.90 10,613,209 Jun 08, 2023 37.25 37.40 36.25 36.60 36.60 9,675,656 Jun 07, 2023 37.10 37.60 36.80 37.10 37.10 12,248,329 Jun 06, 2023 36.05 36.95 35.55 36.80 36.80 12,534,301 Jun 05, 2023 36.45 36.75 35.85 36.00 36.00 7,929,528 Jun 02, 2023 36.30 36.40 35.90 36.20 36.20 8,851,043 Jun 01, 2023 36.90 36.90 35.85 36.05 36.05 17,966,105 May 31, 2023 37.10 37.20 35.55 36.85 36.85 32,257,837 May 30, 2023 34.20 37.00 33.95 36.70 36.70 53,111,268 May 29, 2023 34.35 34.50 33.55 34.10 34.10 11,410,668 May 26, 2023 33.35 34.90 33.15 34.05 34.05 19,054,465 May 25, 2023 33.50 33.75 33.10 33.25 33.25 10,397,125 May 24, 2023 33.05 33.60 32.85 33.40 33.40 9,603,877 May 23, 2023 33.90 33.95 33.00 33.10 33.10 11,273,530 May 22, 2023 32.70 34.00 32.10 33.80 33.80 15,117,379 May 19, 2023 33.10 33.55 32.05 32.65 32.65 15,982,020 May 18, 2023 34.10 34.30 32.65 33.05 33.05 16,675,411 May 17, 2023 34.20 34.65 33.15 33.70 33.70 24,510,603 May 16, 2023 33.45 34.95 32.60 34.00 34.00 45,495,173 May 15, 2023 31.00 33.30 31.00 33.00 33.00 48,246,315 May 12, 2023 29.45 30.80 29.40 30.65 30.65 30,709,907 May 11, 2023 29.25 30.45 28.95 29.25 29.25 20,264,790...

Ujjivan Small Finance Bank Limited is an India-based small finance bank. The Company operates through three segments: Treasury, Retail Banking and Corporate/ Wholesale Segments. The Treasury segment consists of net interest earnings from the Company’s investment portfolio, money market borrowing and lending, gains or losses on Investment operations and income from the sale of priority sector lending certificate (PSLC). The Retail Banking segment serves retail customers through a branch network and other delivery channels. Retail Banking includes lending to and deposits from retail customers. The Wholesale Banking segment provides loans to Corporates and Financial Institutions. Its asset products comprise loans to its micro banking customers that include group loans and individual loans, agriculture and allied loans, housing loans, financial institutions group loans, personal loans and vehicle loans. It offers savings accounts, current accounts and a variety of deposit accounts.;

YES Securities' research report on Ujjivan Small Finance Bank In its Analyst/Investor day, Ujjivan SFB exuded confidence about 1) sustaining 25% growth in loan book through FY23-26, 2) shifting of mix towards secured products and towards individual loans within Micro Banking, 3) growing deposits much faster than advances while improving CASA share to 35% by FY26, 4) holding NIMs and Cost/Income in a closer band while making necessary franchise investments in products, digital channels, distribution, people and branding, 5) experiencing moderate credit cost (100-150 bps) underpinned by strong credit & collections, marginal SMA buckets and nearly full provisions on NPLs, 6) extracting reasonable recoveries from written-off pool in current year (Rs1.05bn in FY23), and 7) delivering 20%+ RoE through FY23-26 which will be the best amongst SFBs. The merger with the Holdco. would likely get consummated in Q3 FY24 and is estimated to add ~Rs2 (8-9%) to the BV of the bank. Besides sustaining the current strong growth and profitability in Micro Banking (both in Group & Individual Loans) supported by borrower addition/migration, pricing flexibility and robust collections, the reorientation and consequent operational improvements in Affordable Housing and MSE Financing portfolios would aid in delivering 20%+ RoE despite the planned franchise investments. With regards to succession after the end of Mr. Davis’ current term in Dec’24, the Board would be evaluating both internal a...

• The bank has a very low ROA track record. Average ROA of 3 years is 0.111394036663591% • Company has a low ROE of 0.186795058104584% over the last 3 years. • Low other Income proportion of 11.1374644566688%. • High Cost to income ratio of 71.704659991204%. • The company has delivered poor Profit Growth of -227.672552936693% over the past 3 years. • Increase in Provision and contingencies of 44.3036192637817% on YoY. Quarterly Result (All Figures in Cr.) PARTICULARS Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Interest Earned 818.24 905.37 993.18 1081.62 1184.83 Other Income 149.18 95.05 146.65 138.92 179.06 Interest Expended 274.26 305.66 329.94 384.67 446.82 Operating Expenses 429.32 423.7 424.91 446.95 505.6 Total Provisions 90.4 0.39 -9.94 -0.22 -1.93 Profit Before Tax 173.44 270.67 394.92 389.14 412.5 Tax 46.92 67.73 100.63 95.95 103 Net Profit 126.52 202.94 294.29 293.19 309.5 Net NPA % 0.61 0.11 0.04 0.05 0.04 Gross NPA % 7.34 6.51 5.06 3.64 2.88 Return on Assets % 0.57 0.86 1.19 1.04 0.97 NPM % 15.46 22.42 29.63 27.11 26.12 Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.) PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Interest Earned 1466.65 1831.61 2703.6 2806.07 2812.8 Other Income 112.7 205.96 322.21 302.31 313.27 Interest Expended 609.33 725.2 1070.01 1077.51 1039.21 Operating Expenses 650.4 1003.35 1318.58 1230.08 1496.38 Total Provisions 310.77 40.6 170.99 790.59 1140.84 Profit Before Tax 8.85 268.42 466.24 10.2 -550.36 Taxes 1.98 69.21 116.3...

Ujjivan Small Finance Bank Ltd.: Share Price, Stock Analysis, Annual Report | Value Research Ujjivan Small Finance Bank Ltd.: Share Price, Stock Analysis, Annual Report | Value Research https://www.valueresearchonline.com/stocks/262545/ujjivan-small-finance-bank-ltd/ Get Ujjivan Small Finance Bank Ltd.'s stock analysis, price valuation, corporate actions, and financials from India's independent mutual fund research house. Business Ujjivan Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, and Corporate/Wholesale Banking segments. It provides current, savings, salary, and NRI accounts; and fixed, recurring, TASC fixed, and tax saver fixed deposits. The company's loan products include group loans, such as business, family, agriculture and allied, education, GL top-up, emergency, and loyalty loans; individual loans comprising individual business, livestock, agriculture, and bazar loans, as well as home improvement loans, open market livestock and home improvement loans; housing loans; vehicle loans; and gold loans. Its loan products also comprise micro and small enterprise loans, which include loan against property, secured enterprise and business loans, overdraft against property, and business edge term loans; business edge overdrafts; loan against rent receivables; emergency credit line guarantee scheme; personal loans; and financial institutions group loans. The company also offers mob...

• The bank has a very low ROA track record. Average ROA of 3 years is 0.111394036663591% • Company has a low ROE of 0.186795058104584% over the last 3 years. • Low other Income proportion of 11.1374644566688%. • High Cost to income ratio of 71.704659991204%. • The company has delivered poor Profit Growth of -227.672552936693% over the past 3 years. • Increase in Provision and contingencies of 44.3036192637817% on YoY. Quarterly Result (All Figures in Cr.) PARTICULARS Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Interest Earned 818.24 905.37 993.18 1081.62 1184.83 Other Income 149.18 95.05 146.65 138.92 179.06 Interest Expended 274.26 305.66 329.94 384.67 446.82 Operating Expenses 429.32 423.7 424.91 446.95 505.6 Total Provisions 90.4 0.39 -9.94 -0.22 -1.93 Profit Before Tax 173.44 270.67 394.92 389.14 412.5 Tax 46.92 67.73 100.63 95.95 103 Net Profit 126.52 202.94 294.29 293.19 309.5 Net NPA % 0.61 0.11 0.04 0.05 0.04 Gross NPA % 7.34 6.51 5.06 3.64 2.88 Return on Assets % 0.57 0.86 1.19 1.04 0.97 NPM % 15.46 22.42 29.63 27.11 26.12 Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.) PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Interest Earned 1466.65 1831.61 2703.6 2806.07 2812.8 Other Income 112.7 205.96 322.21 302.31 313.27 Interest Expended 609.33 725.2 1070.01 1077.51 1039.21 Operating Expenses 650.4 1003.35 1318.58 1230.08 1496.38 Total Provisions 310.77 40.6 170.99 790.59 1140.84 Profit Before Tax 8.85 268.42 466.24 10.2 -550.36 Taxes 1.98 69.21 116.3...

Ujjivan Small Finance Bank Limited is a mass market focused bank in India, catering to financially unserved and underserved segments and committed to building financial inclusion in the country. It started its operations as Ujjivan Financial Services Limited, a Non-Banking Financial Company in 2005 with the mission to provide financial services to the ‘economically active poor’ who were not adequately served by financial institutions. Business Segments Retail Banking (89%): It includes lending to and deposits from retail customers and identified earnings and expenses of the segment. Treasury (9%): The Treasury Segment primarily consists of net interest earnings from the Bank's Investment portfolio, money market borrowing, lending, gains or losses on Investment, etc. Wholesale Banking (2%): It consists of interest earned on loans made to corporates and financial institutions. Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Revenue 737 746 754 688 618 642 645 708 818 905 993 1,082 1,185 Interest 271 288 283 256 250 257 254 254 274 306 330 385 447 Expenses + 445 412 400 912 298 770 812 603 498 454 415 447 505 Financing Profit 22 46 70 -480 70 -385 -421 -149 46 146 248 250 233 Financing Margin % 3% 6% 9% -70% 11% -60% -65% -21% 6% 16% 25% 23% 20% Other Income + 72 29 62 100 114 73 55 104 127 125 147 139 179 Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0 Profit before tax 94 74 132 -380 184 -312 -366 -46 173 271 395 3...

Ujjivan Small Finance Bank Limited is an India-based small finance bank. The Company operates through three segments: Treasury, Retail Banking and Corporate/ Wholesale Segments. The Treasury segment consists of net interest earnings from the Company’s investment portfolio, money market borrowing and lending, gains or losses on Investment operations and income from the sale of priority sector lending certificate (PSLC). The Retail Banking segment serves retail customers through a branch network and other delivery channels. Retail Banking includes lending to and deposits from retail customers. The Wholesale Banking segment provides loans to Corporates and Financial Institutions. Its asset products comprise loans to its micro banking customers that include group loans and individual loans, agriculture and allied loans, housing loans, financial institutions group loans, personal loans and vehicle loans. It offers savings accounts, current accounts and a variety of deposit accounts.;