Ujjivan Small Finance Bank Limited — Q2FY27 earnings call summary

Filed 22 October 2026 · Official transcript

H1 FY27: Deposits crossed INR50,643 Cr (+29.2% y-y), CASA at 26%, loan book INR45,699 Cr (+32.1% y-y)
Secured loans now 52.1% of book; micro banking grew ~6% H1, guided 12-14% for FY27
Q2 FY27 NIM at 8.45%, expected to moderate to ~8.35% in H2 due to repo hike
Q2 PAT INR365 Cr, ROA 2.4%, ROE 19.7%; opex to ATA expected at 6.2%, lower than prior guidance
Management expects possible upside to ROA guidance for FY27
Asset quality stable: GNPA 2.1%, NNPA 0.3%, credit cost 0.7% ATA; slippage ratio 1.6%
Insurance income under regulatory review; 50% from credit life; impact uncertain
Capital raise of INR409 Cr planned, improving CRAR by 1.2% pro forma; balance raise by July 2027