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Website | http://www.ujjivansfb.in | |
Market Cap | 2,799.87 Cr. | |
Enterprise Value(EV) | Cr. | - |
Financial Indicators | ||
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Earnings per share (EPS) | -2.40 | Trailing Twelve Months Ending 2022-03 |
Price-Earning Ratio (PE) | - | Trailing Twelve Months Ending 2022-03 |
Industry PE | 20.47 | Trailing Twelve Months Ending 2022-03 |
Book Value / Share | 14.81 | Trailing Twelve Months Ending 2022-03 |
Price to Book Value | 1.09 | Calculated using Price: 16.20 |
Dividend Yield | 0.00 | Period Ending 2021-03 |
No. of Shares Subscribed | 172.83 Cr. | 1,728,314,205 Shares |
FaceValue | 10 | |
Company Profile | ||
Ujjivan Small Finance Bank (USFB) Ltd., is among the leading small finance banks in the country. As a mass market bank, it remains committed to serve the unserved and underserved segments through financial and digital inclusion. The bank was incorporated as Ujjivan Small Finance Bank Limited on July 4, 2016 at New Delhi as a public limited company under the Companies Act, 2013, and was granted the certificate of incorporation by the Registrar of Companies, National Capital Territory of Delhi and Haryana (RoC). The bank’s Promoter, Ujjivan Financial Services Limited (UFSL) was granted the in-principle approval to establish a small finance bank (SFB), by the RBI, pursuant to its letter dated October 7, 2015. Subsequently, UFSL received the final approval for Bank to carry on the SFB business in India, pursuant to a letter dated November 11, 2016 issued by the RBI. The Bank commenced its business with effect from February 1, 2017 and was included in the second schedule to the RBI Act pursuant to a notification dated July 3, 2017 issued by the RBI. Business area of the bank The bank is a mass market focused small finance bank (SFB) in India, catering to unserved and underserved segments and committed to building financial inclusion in the country. The bank’s portfolio of products and services includes various asset and liability products and services. Its asset products comprise loans to micro banking customers that include group loans and individual loans, agriculture and allied loans, MSE loans, affordable housing loans, financial institutions group loans, personal loans, and vehicle loans. On the liability side, the bank offer savings accounts, current accounts and a variety of deposit accounts. In addition, it also provides non-credit offerings comprising ATM-cum-debit cards, Aadhaar enrolment services, distribute third party insurance products and point of sales (POS) terminals. Awards & accreditations
Major Events & Milestones
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1 Day |
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-2.11% |
1 Week |
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-4.97% |
1 Month |
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-5.52% |
3 Month |
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-3.56% |
6 Month |
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-14.92% |
1 Year |
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-45.47% |
2 Year |
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-39.02% |
5 Year |
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10 Year |
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5 years | 2017-03 | 2018-03 | 2019-03 | 2020-03 | 2021-03 | |
Return on Equity (%) | 0.00 | 0.48 | 12.99 | 15.26 | 0.28 | |
Return on Assets (%) | 0.14 | 1.72 | 2.18 | 0.04 | ||
Net Interest Margin | 1.33 | 9.46 | 8.40 | 9.19 | 8.82 | |
Interest Spread (%) | 2.02 | 12.00 | 11.08 | 11.99 | 12.78 | |
Yield on Advances (%) | 3.70 | 19.99 | 17.36 | 19.25 | 19.36 |
Particulars | 6 years | 2017-03 Rs. Cr. | 2018-03 Rs. Cr. | 2019-03 Rs. Cr. | 2020-03 Rs. Cr. | 2021-03 Rs. Cr. | 2022-03* Rs. Cr. |
Shh. Funds | 1,647 | 1,820 | 3,188 | 3,219 | 2,803 | ||
Minority Int. | |||||||
Deposits | 206 | 3,772 | 7,379 | 10,780 | 13,136 | 18,292 | |
Borrowings | 6,291 | 3,853 | 4,166 | 3,953 | 3,247 | 1,764 | |
Other Liab. | 298 | 201 | 377 | 490 | 779 | 746 | |
Total Liab. | 8,436 | 9,473 | 13,742 | 18,411 | 20,380 | 23,604 | |
Fixed Assets | 140 | 198 | 284 | 300 | 281 | 249 | |
Investments | 1,447 | 1,232 | 1,527 | 2,396 | 2,516 | 4,153 | |
Advances | 5,861 | 7,335 | 10,552 | 14,044 | 14,494 | 16,303 | |
Cash & Bank | 763 | 495 | 1,094 | 1,343 | 2,578 | 2,168 | |
Other Assets | 225 | 212 | 284 | 328 | 512 | 731 | |
Total Assets | 8,436 | 9,473 | 13,742 | 18,411 | 20,380 | 23,604 |
Particulars | 6 years | 2017-03 Rs. Cr. | 2018-03 Rs. Cr. | 2019-03 Rs. Cr. | 2020-03 Rs. Cr. | 2021-03 Rs. Cr. | 2022-03 Rs. Cr. TTM |
Interest Earned | 217 | 1,467 | 1,832 | 2,704 | 2,806 | 2,813 | |
Other Income | 9 | 113 | 206 | 322 | 311 | 315 | |
Total Income | 226 | 1,579 | 2,038 | 3,026 | 3,117 | 3,128 | |
Operating Exp. | -111 | -650 | -1,003 | -1,319 | -1,230 | -1,496 | |
Provisions | -4 | -311 | -41 | -171 | -799 | -1,142 | |
PBIT | 110 | 618 | 994 | 1,536 | 1,088 | 489 | |
Interest | -109 | -609 | -725 | -1,070 | -1,078 | -1,039 | |
Tax | -1 | -2 | -69 | -116 | -2 | 136 | |
PAT | 0 | 7 | 199 | 350 | 8 | -415 | |
Adjusted EPS | 0 | 1 | 2 | 0 | -2 |
Particulars | 5 years | 2017-03 Rs. Cr. | 2018-03 Rs. Cr. | 2019-03 Rs. Cr. | 2020-03 Rs. Cr. | 2021-03 Rs. Cr. |
Cash Fr. Operatn. | -7,084 | 2,326 | 478 | 242 | 2,657 | |
Cash Fr. Inv. | -161 | -101 | -148 | -757 | -1,356 | |
Cash Fr. Finan. | 7,931 | -2,439 | 287 | 776 | -706 | |
Net Change | 687 | -213 | 617 | 261 | 595 | |
Cash & Cash Eqvt | 687 | 473 | 1,078 | 1,339 | 1,934 |
Sat, 21 May 2022
Compliances-Reg.24(A)-Annual Secretarial Compliance Annual Secretarial Compliance Report |
Mon, 16 May 2022
Announcement under Regulation 30 (LODR)-Earnings Call Transcript Ujjivan Small Finance Bank Limited has informed the Exchange about Transcript of Earnings/Quarterly Call held on May 12 2022 |
Fri, 13 May 2022
Announcement under Regulation 30 (LODR)-Newspaper Publication The Audited Financial Results of the Bank for the quarter and year ended March 31 2022 were published and appeared today in all editions of "Financial Express" in English Newspaper and all editions of "Hosadigantha" in Kannada Newspaper. |
Wed, 25 May 2022 |
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