Ujjivan Financial Services Ltd.

554.95 +28.70 ▲5.5%

19 April 2024, 04:01:00 PM
Volume: 145,452

Company Profile

Sector Finance Sector Icon Finance Compare with Sector peers
Industry Finance Term Lending Industry Icon Finance Term Lending Compare with Industry peers
Website http://www.ujjivan.com
Market Cap 6,727.38 Cr.
Enterprise Value(EV) Cr. -
Financial Indicators
Earnings per share (EPS) 67.40 Trailing Twelve Months Ending 2023-12
Price-Earning Ratio (PE) 8.20 Trailing Twelve Months Ending 2023-12
Industry PE 11.62 Trailing Twelve Months Ending 2023-12
Book Value / Share 321.74 Trailing Twelve Months Ending 2023-12
Price to Book Value 1.72 Calculated using Price: 552.40
Dividend Yield 0.91 Period Ending 2023-03
No. of Shares Subscribed 12.18 Cr. 121,784,658 Shares
FaceValue 10
About Ujjivan Financial Services Ltd.
The company offers a diverse range of loan products to cater to the specific requirements of its customers. Its products can be classified under two broad categories, namely, group loans and individual loans. Depending upon the end use, these products can be further sub-divided into agricultural, education, home improvement, home purchase and livestock loans. All of its assets under management (AUM) fall under the priority sector lending norms prescribed by the RBI. In addition to loan products, the company also provides non-credit offerings comprising of life insurance products, in partnership with insurance providers such as Bajaj Allianz Life Insurance Company, Kotak Mahindra Old Mutual Life Insurance and HDFC Standard Life Insurance Company.

Ujjivan Financial Services Ltd. Delivery

Delivered Qty
Traded Qty

Ujjivan Financial Services Ltd. Performance

1 Day
+5.45%
1 Week
+1.12%
1 Month
+8.63%
3 Month
-5.46%
6 Month
+0.86%
1 Year
+115.85%
2 Year
+261.18%
5 Year
+62.12%
10 Year

Ujjivan Financial Services Ltd. Fundamental Ratios

7 years 2017-03 2018-03 2019-03 2020-03 2021-03 2022-03 2023-03
Return on Equity (%) 11.84 1.5 8.46 12.92 -9.17 -9.83 42.09
Return on Capital Employed (%) 10.61 7.38 8.07 9.82 4.42 3.66 10.69
Return on Assets (%) 2.38 0.29 1.29 1.83 -1.24 -1.05 3.85

Ujjivan Financial Services Ltd. Balance Sheet

Particulars 8 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. 2023-03 Rs. Cr. 2023-09* Rs. Cr.
Shh. Funds 1,756 1,732 1,878 2,840 2,512 2,323 3,224 3,637
Non Curr. Liab. 2,849 7,527 11,457 14,124 15,995 20,394 29,997 34,884
Curr. Liab. 4,107 171 615 1,327 921 892 914 305
Minority Int. 331 438 400 1,019 1,155
Equity & Liab. 8,712 9,430 13,950 18,622 19,866 24,009 35,153 39,981
Non Curr. Assets 2,138 217 308 847 850 718 754 37,029
Curr. Assets 6,574 9,213 13,642 17,775 19,015 23,291 34,399 2,952
Misc. Exp. not W/O
Total Assets 8,712 9,430 13,950 18,622 19,866 24,009 35,153 39,981

Ujjivan Financial Services Ltd. Profit and Loss

Particulars 8 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. 2023-03 Rs. Cr. 2023-12 Rs. Cr. TTM
Net Sales 1,349 1,519 1,944 2,860 3,066 2,995 4,421 5,678
Other Income 48 31 71 110 115 99 358 299
Total Income 1,398 1,550 2,015 2,969 3,181 3,094 4,780 5,977
Total Expenditure -521 -862 -1,023 -1,273 -2,209 -2,172 -1,593 -2,155
PBIDT 877 688 992 1,697 972 922 3,187 3,822
Interest -543 -602 -727 -1,115 -1,121 -1,071 -1,493 -2,141
Depreciation -13 -41 -61 -166 -170 -155 -163 -172
Taxation -114 -19 -54 -117 80 73 -391 -389
Exceptional Items
PAT 208 26 150 299 -239 -231 1,140 1,120
Minority Interest -16 40 39 -250 -300
Share Associate
Other Related Items
Consolidated Net Profit 208 26 150 282 -199 -192 891 821
Adjusted EPS 17 2 12 23 -16 -16 73 67

Ujjivan Financial Services Ltd. Cash Flow

Particulars 7 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. 2023-03 Rs. Cr.
Cash Fr. Operatn. -583 2,190 -3,248 -2,464 1,612 2,826 2,073
Cash Fr. Inv. -1,559 113 -448 -1,087 -215 -1,785 -4,554
Cash Fr. Finan. 2,409 -2,441 4,198 3,812 -803 -819 2,640
Net Change 267 -137 503 261 594 222 159
Cash & Cash Eqvt 714 576 1,079 1,340 1,934 2,155 2,314

Ujjivan Financial Services Ltd. Shareholding Pattern

9 Qtrs 2022-03 (%) 2022-06 (%) 2022-09 (%) 2022-12 (%) 2023-03 (%) 2023-06 (%) 2023-09 (%) 2023-12 (%) 2024-03 (%)
Promoter 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Public 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00
Depository Receipts 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Promoter Holding Pledge (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
No. of Shareholders (in Lacs)

Ujjivan Financial Services Ltd. Announcements

Sat, 20 Apr 2024
Update Of Scheme Of Amalgamation - Intimation Of Book Closure & Record Date
Intimation of the Record date
Fri, 19 Apr 2024
Announcement under Regulation 30 (LODR)-Scheme of Arrangement
Sanction of the Scheme of Amalgamation by the Hon"ble NCLT Bengaluru Bench
Mon, 08 Apr 2024
Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure A
Format of Initial Disclosure to be made by an entity identified as a Large Corporate.

Sr. No. Particulars Details
1Name of CompanyUjjivan Financial Services Ltd
2CIN NO.L65999KA2004PLC035329
3 Outstanding borrowing of company as on 31st March / 31st December as applicable (in Rs cr) 0.00
4Highest Credit Rating during the previous FY NA
4aName of the Credit Rating Agency issuing the Credit Rating mentioned in (4)Not Applicable
5Name of Stock Exchange# in which the fine shall be paid in case of shortfall in the required borrowing under the frameworkBSE


We confirm that we are a Large Corporate as per the applicability criteria given under the SEBI circular SEBI/HO/DDHS/CIR/P/2018/144 dated November 26 2018. No



Name of the Company Secretary: Shashidhara S
Designation: Company Secretary
EmailId: shashidhara.s@ujjivanfin.com
Name of the Chief Financial Officer: Radhakrishnan Ravi
Designation: CFO
EmailId: ravi.r@ujjivanfin.com

Date: 08/04/2024

Note: In terms para of 3.2(ii) of the circular beginning F.Y 2022 in the event of shortfall in the mandatory borrowing through debt securities a fine of 0.2% of the shortfall shall be levied by Stock Exchanges at the end of the two-year block period. Therefore an entity identified as LC shall provide in its initial disclosure for a financial year the name of Stock Exchange to which it would pay the fine in case of shortfall in the mandatory borrowing through debt markets.

Ujjivan Financial Services Ltd. Technical Scans

Fri, 19 Apr 2024
Higher Delivery Quantity Higher Delivery Quantity
Higher Trade Quantity Higher Trade Quantity
Higher Trade and Delivery Quantity Higher Trade and Delivery Quantity
Closing Above Previous High Closing Above Previous High
Close Within 52 Week High Zone Close Within 52 Week High Zone

Ujjivan Financial Services Ltd. Related Stocks

Stock Name Market Cap(Rs. Cr.) LTP Chg %
Life Insurance Corporation of India 615,453.90 973.05 +1.3%
Bajaj Finance Ltd. 441,560.92 7,107.00 +3.2%
Bajaj Finserv Ltd. 258,261.77 1,619.60 +1.6%
JIO Financial Services Ltd. 235,071.51 370.00 -2.2%
Indian Railway Finance Corporation Ltd. 184,265.93 141.00 -0.6%
SBI Life Insurance Company Ltd. 144,917.06 1,448.30 -0.4%
Power Finance Corporation Ltd. 131,509.06 398.50 +0.8%
Stock Name Statement TTM Ending Price Earning Ratio(TTM) LTP Chg %
Life Insurance Corporation of India Consolidated 2023-12 15.26 973.05 +1.3%
Bajaj Finance Ltd. Consolidated 2023-12 32.03 7,107.00 +3.2%
Bajaj Finserv Ltd. Consolidated 2023-12 33.12 1,619.60 +1.6%
JIO Financial Services Ltd. Consolidated 2024-03 146.50 370.00 -2.2%
Indian Railway Finance Corporation Ltd. Standalone 2023-12 30.52 141.00 -0.6%
SBI Life Insurance Company Ltd. Standalone 2023-12 77.92 1,448.30 -0.4%
Power Finance Corporation Ltd. Consolidated 2023-12 6.99 398.50 +0.8%
Stock Name Statement TTM Ending Price To Book Value(TTM) LTP Chg %
Life Insurance Corporation of India Consolidated 2023-12 8.77 973.05 +1.3%
Bajaj Finance Ltd. Consolidated 2023-12 6.11 7,107.00 +3.2%
Bajaj Finserv Ltd. Consolidated 2023-12 4.70 1,619.60 +1.6%
JIO Financial Services Ltd. Consolidated 2024-03 1.69 370.00 -2.2%
Indian Railway Finance Corporation Ltd. Standalone 2023-12 3.82 141.00 -0.6%
SBI Life Insurance Company Ltd. Standalone 2023-12 10.04 1,448.30 -0.4%
Power Finance Corporation Ltd. Consolidated 2023-12 1.32 398.50 +0.8%
Stock Name Statement Year Ending Debt Equity Ratio LTP Chg %
Life Insurance Corporation of India Consolidated 2023-03 0.00 973.05 +1.3%
Bajaj Finance Ltd. Consolidated 2023-03 4.03 7,107.00 +3.2%
Bajaj Finserv Ltd. Consolidated 2023-03 4.60 1,619.60 +1.6%
JIO Financial Services Ltd. Consolidated 2023-03 0.01 370.00 -2.2%
Indian Railway Finance Corporation Ltd. Standalone 2023-03 9.21 141.00 -0.6%
SBI Life Insurance Company Ltd. Standalone 2023-03 0.00 1,448.30 -0.4%
Power Finance Corporation Ltd. Consolidated 2023-03 8.75 398.50 +0.8%
Stock Name Statement Year Ending Return On Equity(%) LTP Chg %
Life Insurance Corporation of India Consolidated 2023-03 124.33 973.05 +1.3%
Bajaj Finance Ltd. Consolidated 2023-03 23.70 7,107.00 +3.2%
Bajaj Finserv Ltd. Consolidated 2023-03 28.46 1,619.60 +1.6%
JIO Financial Services Ltd. Consolidated 2023-03 0.06 370.00 -2.2%
Indian Railway Finance Corporation Ltd. Standalone 2023-03 14.66 141.00 -0.6%
SBI Life Insurance Company Ltd. Standalone 2023-03 14.14 1,448.30 -0.4%
Power Finance Corporation Ltd. Consolidated 2023-03 27.18 398.50 +0.8%
Stock Name Statement Year Ending Return On Capital Employed(%) LTP Chg %
Life Insurance Corporation of India Consolidated 2023-03 124.33 973.05 +1.3%
Bajaj Finance Ltd. Consolidated 2023-03 23.70 7,107.00 +3.2%
Bajaj Finserv Ltd. Consolidated 2023-03 28.46 1,619.60 +1.6%
JIO Financial Services Ltd. Consolidated 2023-03 0.06 370.00 -2.2%
Indian Railway Finance Corporation Ltd. Standalone 2023-03 14.66 141.00 -0.6%
SBI Life Insurance Company Ltd. Standalone 2023-03 14.14 1,448.30 -0.4%
Power Finance Corporation Ltd. Consolidated 2023-03 27.18 398.50 +0.8%
Stock Name Statement Year Ending Net Sales(Rs. Cr.) LTP Chg %
Life Insurance Corporation of India Consolidated 2023-03 973.05 +1.3%
Bajaj Finance Ltd. Consolidated 2023-03 41,397.38 7,107.00 +3.2%
Bajaj Finserv Ltd. Consolidated 2023-03 82,071.24 1,619.60 +1.6%
JIO Financial Services Ltd. Consolidated 2023-03 41.63 370.00 -2.2%
Indian Railway Finance Corporation Ltd. Standalone 2023-03 23,891.83 141.00 -0.6%
SBI Life Insurance Company Ltd. Standalone 2023-03 1,448.30 -0.4%
Power Finance Corporation Ltd. Consolidated 2023-03 77,568.30 398.50 +0.8%
Stock Name Statement Year Ending Profit After Tax(Rs. Cr.) LTP Chg %
Life Insurance Corporation of India Consolidated 2023-03 35,996.65 973.05 +1.3%
Bajaj Finance Ltd. Consolidated 2023-03 11,507.69 7,107.00 +3.2%
Bajaj Finserv Ltd. Consolidated 2023-03 12,209.54 1,619.60 +1.6%
JIO Financial Services Ltd. Consolidated 2023-03 31.25 370.00 -2.2%
Indian Railway Finance Corporation Ltd. Standalone 2023-03 6,337.01 141.00 -0.6%
SBI Life Insurance Company Ltd. Standalone 2023-03 1,720.57 1,448.30 -0.4%
Power Finance Corporation Ltd. Consolidated 2023-03 21,178.59 398.50 +0.8%

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