Ujjivan Small Finance Bank (Ujjivan SFB) reported strong performance through calendar year 2025, supported by favourable economic backdrop, improved liquidity conditions, and disciplined execution of its diversified retail strategy. The Bank delivered broad-based growth driven by robust expansion across secured lending, steady deposit mobilisation and continued progress in digital and operational efficiency.
The Bank witnessed a steady growth across secured portfolios such as Affordable Housing, Micro- Mortgages, MSME, Gold Loans, Vehicle Finance and Agri-Banking. This growth is supported by an improved distribution strength, deeper penetration in emerging markets, a strong cross-sell and improved customer segmentation which further contributes to a well-rounded asset mix.
Ujjivan SFB continued to enhance the quality and stability of its deposit engine. An increase in retail deposits, driven by strong CASA mobilisation and growth in Retail Term Deposits, supported the Bank’s liquidity position. Customer acquisition initiatives, improved branch productivity, and simplified digital onboarding journeys further strengthened its deposit profile.
Mr. Sadanand Balakrishna Kamath, Chief Financial Officer, Ujjivan SFB said, “The overall credit environment in the financial services industry in 2025 enabled a continued improvement in risk metrics. Stronger underwriting standards and a diversified credit book contributed to better asset quality and overall portfolio stability. Ujjivan SFB accelerated its digital programmes with upgraded mobile banking capabilities, automated service journeys, and data-driven credit decisioning tools. Higher digital adoption across customer segments strengthened operating efficiency and elevated the service experience. Process optimisation and smarter branch operations further supported cost management initiatives across the network.”
The Bank continues to strengthen its distribution infrastructure, enabling wider access to its retail lending and deposit offerings. With a healthier balance-sheet mix, improving margins and a strengthened secured portfolio. Ujjivan SFB enters the next phase of its growth cycle with strong momentum. Continued focus on low-risk secured lending, CASA augmentation, and digital productivity improvements positions the Bank favourably for the next phase of growth.