Ujjivan Small Finance Bank posted a strong 4th-quarter update for FY25, reporting double-digit growth in both deposits and disbursements. The bank, which primarily caters to underserved communities, continues to strengthen its retail banking franchise ahead of a potential transition to a universal bank.
Total deposits rose 9.1% quarter-on-quarter and 19.7% year-on-year, reaching ₹37,617 crore as of March 31, 2025. The Current Account Savings Account (CASA) balance stood at ₹9,611 crore, a 15.3% YoY increase. The CASA ratio was 25.6%, slightly lower than 26.5% a year ago.
The bank’s gross loan book expanded 7.9% YoY to ₹32,122 crore, which includes ₹195 crore from IBPC/securitisation. Disbursements surged 11.6% QoQ to ₹7,455 crore, reflecting consistent lending momentum.
The Gross NPA (GNPA) ratio stood at 2.2% as of March 31, 2025, slightly higher than 2.1% a year ago but improved from 2.7% in December 2024. The collection efficiency improved marginally to 96.9%, up from 96.6% in February 2025.
The credit-deposit ratio dropped to 85.4%, compared to 94.7% in March 2024, indicating improved deposit mobilisation relative to loan growth.
As of the end of the trading session on April 4, 2025, shares of Ujjivan Small Finance Bank were trading 1.65% higher at ₹36.86 on the NSE, despite broader market weakness.
Ujjivan Small Finance Bank has ended FY25 on a strong note, delivering solid growth across key financial parameters. The robust deposit and disbursement figures, coupled with improving asset quality and operational efficiency, indicate the bank’s readiness for its next phase of evolution toward becoming a universal bank.
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Published on: Apr 4, 2025, 7:56 PM IST
Akshay Shivalkar
Akshay Shivalkar is a financial content specialist who strategises and creates SEO-optimised content on the stock market, mutual funds, and other investment products. With experience in fintech and asset management, he simplifies complex financial concepts to help investors make informed decisions through his writing.
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