Ujjivan Small Fin
Small Finance Bank · NSE UJJIVANSFB · Market cap ₹12,707
Latest FY FY2026
Loan growth
26.7%
Deposit growth
21.4%
NIM
8.5%
21th pctile
ROA
1.3%
ROE
11.1%
Gross NPA
2.2%
28th pctile
P/B
1.46x
70th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 26.7% | 17.7% | +9.0pp | — |
| Deposit growth | 21.4% | 13.4% | +8.0pp | — |
| CASA | 28.6% | 32.7% | -4.1pp | 92th |
| NIM | 8.5% | 3.6% | +4.9pp | 21th |
| ROA | 1.3% | 1.1% | +0.3pp | — |
| ROE | 11.1% | 12.4% | -1.3pp | — |
| Gross NPA | 2.2% | 1.9% | +0.3pp | 28th |
| Credit cost | 2.9% | 1.3% | +1.6pp | — |
| Cost/income | 62.0% | 55.1% | +6.9pp | — |
| CRAR | 20.4% | 18.9% | +1.5pp | — |
| P/B | 1.46x | 1.07x | +0.4pp | 70th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▲CASA Ratio at 28.60 — 92th percentile of its own history (multi-year high) · hist_percentile>=90
- ▲CASA Ratio +17.7% YoY to 28.60 · abs(yoy)>=15%
- ▲CASA Ratio accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Cost To Income Ratio decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Cost of Borrowing decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Net Interest Margin accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Advances growing +12.6pp vs listed-bank aggregate (share 0.18%, +0.02pp 1Y) · |bank growth - system proxy growth| >= 5pp
- ▲Deposits growing +11.4pp vs listed-bank aggregate (share 0.18%, +0.02pp 1Y) · |bank growth - system proxy growth| >= 5pp