Ujjivan Small Finance Bank Limited
Ujjivan Small Finance Bank Limited is a mass market focused bank in India, catering to financially unserved and underserved segments and committed to building financial inclusion in the country. It started its operations as Ujjivan Financial Services...
Key Metrics
EPS
24.71
Current ratio
12.38
Debt/Equity
0.14
Debt/EBITDA
3.12
Interest coverage ratio
-
Operating Cashflow to total debt
0.05
Financials
Pros & Cons
Exclusive on TAP Bonds
Here's what we like about this company and potential risks we have identified.
Pros
Established track record of the bank
Comfortable capitalisation levels
Improved deposit funding, however, CASA remains moderate
Geographically well-diversified loan portfolio
Profitability remains healthy in FY24
Healthy asset quality marked by low net stressed asset position with the bank maintaining a high provision coverage ratio (PCR)
Liquidity: Adequate
Scale up of the total business along with diversification into a secured asset class comprising 50% of portfolio.
Continuous improvement in the CASA proportion on a sustained basis.
Cons
Exposure to inherent socio-economic and geo-political risks of the microfinance sector
Significant deterioration in profitability with ROTA below 1%.
Material deterioration in the asset quality.
Decline in the total CAR below 18%.
Disclaimer: Tap Bonds gathers data directly from the respective OBPP websites but does not guarantee its accuracy. We do not offer investment advice or endorse the purchase of any securities mentioned, nor do we warrant the reliability of the information collected.
About Ujjivan Small Finance Bank Limited bond.
This comprehensive profile covers key factual information about Ujjivan Small Finance Bank Limited. Ujjivan Small Finance Bank Limited is a mass market focused bank in India, catering to financially unserved and underserved segments and committed to building financial inclusion in the country. It started its operations as Ujjivan Financial Services Limited, a Non-Banking Financial Company in 2005 with the mission to provide financial services to the ‘economically active poor’ who were not adequately served by financial institutions. EPS in Mar-2024 was 24.71. Current ratio in Mar-2024 was 12.38. Debt/Equity in Mar-2024 was 0.14. Debt/EBITDA in Mar-2024 was 3.12. Interest coverage ratio in Mar-2024 was . Operating Cashflow to total debt in Mar-2024 was 0.05. Total revenue for Mar-2025 (E) was ₹7287.27. Net income for Mar-2025 (E) stood at ₹1827.27. Total assets as of Mar-2024 were ₹40,440.29. Operating cash flow for Mar-2024 was ₹1,582.46. The company’s borrowing relationships include ICICI Bank Limited (₹N/A Cr), IDFC First Bank Limited (₹N/A Cr), Proposed (₹N/A Cr). Peers and comparison entities consist of Ujjivan Small Finance Bank Limited, HDFC Bank Limited, ICICI Bank Limited, Kotak Mahindra Bank Limited. As of Dec 2024, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Established track record of the bank; Comfortable capitalisation levels; Improved deposit funding, however, CASA remains moderate; Geographically well-diversified loan portfolio; Profitability remains healthy in FY24; Healthy asset quality marked by low net stressed asset position with the bank maintaining a high provision coverage ratio (PCR); Liquidity: Adequate; Scale up of the total business along with diversification into a secured asset class comprising 50% of portfolio.; Continuous improvement in the CASA proportion on a sustained basis.. Key risks include: Exposure to inherent socio-economic and geo-political risks of the microfinance sector; Significant deterioration in profitability with ROTA below 1%. ; Material deterioration in the asset quality.; Decline in the total CAR below 18%.. Leadership team details include Anita Ramachandran (Independent Director), Arnabjeet Banerjee (Head), Arunava Banerjee (Chief Risk Officer), Ashim Sarkar (Business Head), Ashish Goel (Chief Credit Officer), B Pradeep (Head), Banavar Anantharamaiah Prabhakar (Part Time Chairman & Independent Director), Brajesh Joseph Cherian (Chief Compliance Officer), C Suresha (Head), Carol Kripanayana Furtado (Whole Time Executive Director), Chandralekha Chaudhuri (Head - Human Resource), John Christy (Chief Vigilance Officer), Lakshman Velayutham (Chief Marketing Officer), M D Ramesh Murthy (Chief Financial Officer), Mangesh Mahale (Chief Technology Officer), Mona Kachhwaha (Independent Director), Murali Chari (Business Head), Parag Kumar Srivastava (Head), Premkumar Govindappa (Business Head), R Joshua Raja (National Manager), Rajaneesh Hosakoppa Rudresha (Head - Operations), Rajeev Padmanabh Pawar (Head - Treasury), Rajesh Kumar Jogi (Independent Director), Rajni Mishra (Independent Director), Ravichandran Venkataraman (Independent Director), S Martin Pampilly (Chief Operating Officer), Samit Kumar Ghosh (Non Executive Non Independent Director), Sanjeev Barnwal (Company Secretary & Compliance Officer), Sanjeev Nautiyal (Managing Director & CEO), Sathyananda Prabhu (Head - Internal Audit), Srikumar Vadake Varieth (Chief Legal Officer), Sudha Suresh (Independent Director), Vibhas Chandra (Business Head), Vijayesh Kumar Pandey (Head - Administration). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.