Ujjivan Small Finance Bank Share – Full Analysis & Investment Insights
Investors in India are more and more inquisitive about small finance banks (SFBs) as they bridge the distance among traditional banking and financial inclusion. Among them, Ujjivan Small Finance Bank Share (USFB) has emerged as a sturdy participant. Its percentage performance, marketplace role, and future outlook have made it an attractive alternative for each retail and institutional investors.
In this comprehensive manual, we can cover everything you want to recognized approximately Ujjivan Small Finance Bank shares—including modern-day rate trends, corporation heritage, economic performance, professional evaluation, future predictions, risks, and investment techniques.
1. Introduction to Ujjivan Small Finance Bank
Ujjivan Small Finance Bank Limited (NSE: UJJIVANSFB, BSE: 542904) is one of the leading small finance banks in India. Founded with the intention of selling economic inclusion, Ujjivan makes a speciality of supplying banking services to underserved and unbanked segments of society.
Launched in 2017, the financial institution quickly grew in terms of client base, loan Ebook, and branch community. Today, it operates throughout 24 states and union territories with hundreds of retailers and thousands and thousands of customers.
For investors, Ujjivan SFB shares represent a mix of growth potential and hazard due to the niche phase it serves.
2. History & Background of Ujjivan SFB
- Parent Company: Ujjivan Financial Services Limited
- Incorporation: 2016
- Banking License: Received very last license from RBI in November 2016
- Commencement of Operations: February 2017
- Headquarters: Bengaluru, India
- Promoter Holding: Ujjivan Financial Services Ltd.
Ujjivan started out as a microfinance organization (MFI) in 2005 and later transitioned right into a small finance financial institution. Its understanding in micro-lending gave it an aspect in serving lower-income businesses.
3. Ujjivan Small Finance Bank Share Price – Live & Historical Data
The percentage price of Ujjivan SFB has seen significant America and downs in current years because of market volatility, NBFC disaster, COVID-19 impact, and restoration levels.
📊 Table: Ujjivan SFB Share Price Highlights (as of August 2025)
| Parameter | Value |
|---|---|
| NSE Symbol | UJJIVANSFB |
| BSE Code | 542904 |
| Current Price | ₹44.10 (as on 08 Aug 2025) |
| 52-Week High | ₹51.87 (recorded on 10 Jun 2025) |
| 52-Week Low | ₹30.88 (recorded on 28 Jan 2025) |
| Market Capitalization | Approx. ₹8,536 crore |
| P/E Ratio (TTM) | ~16.1× |
| Dividend Yield | ~0.0% (last dividend of ₹1.50 paid in July 2024; yield negligible now) |
(Note: Replace “xxx” with stay statistics at time of publishing.)
The stock has delivered multi-bagger returns within the beyond two years, making it one of the top performers among small finance banks.
4. Ujjivan SFB Market Capitalization & Valuation Metrics
Market capitalization and valuation ratios assist buyers determine if the inventory is overestimated or undervalued.
📊 Table: Ujjivan SFB Valuation Metrics
| Metric | Value | Interpretation |
|---|---|---|
| Market Capitalization | ₹8,536 Cr (approx.) | Classifies Ujjivan SFB as a mid-cap bank, indicating a moderate size—neither small nor large-cap in scale. |
| Price-to-Earnings (P/E) Ratio | ~16.1 × (TTM) | Investors are paying about 16 times the bank’s earnings for one share. Indicates steady growth expectations; aligns with similar financial sector multiples. |
| Price-to-Book (P/B) Ratio | ~1.39–1.42 × | The share is trading at roughly 1.4 times its book value; reflects fair valuation, neither cheap nor overly expensive relative to its underlying assets. |
| Earnings Per Share (EPS) | ₹2.73 (TTM) | A solid earning per share figure, showcasing positive profit trends and effective earnings generation. |
5. Business Model & Core Operations
Ujjivan Small Finance Bank broadly speaking makes a speciality of:
- Microfinance loans (to low-earnings households)
- Retail loans (home loans, private loans, vehicle loans)
- SME loans (small and medium enterprises)
- Deposits (savings money owed, constant deposits, recurring deposits)
- Digital banking offerings
The strong presence in tier-2 and tier-3 cities differentiates Ujjivan SFB from large industrial banks.
6. Financial Performance Analysis
Financial overall performance is the spine of percentage valuation.
Ujjivan SFB Financial Performance Snapshot (FY 2021–FY 2024)
| Financial Year Ending | Revenue/Total Income (₹ crore) | Net Profit (₹ crore) | Gross NPA (%) | Net NPA (%) |
|---|---|---|---|---|
| March 2021 | Not available | 82.97 | Data not available | Data not available |
| March 2022 | Not available | –4,146 | Data not available | Data not available |
| March 2023 | Not available | 10,999 | ~2.6% | Not specified (low) |
| March 2024 | Not available | 12,815 | ~2.1% | ~0.3% |
(Data placeholder – update with actual financials)
The financial institution has shown sturdy healing put up-COVID, improving asset first-rate and profitability.
7. Ujjivan SFB Shareholding Pattern
📊 Table: Ujjivan SFB Shareholding Pattern (Latest)
| Shareholder Category | % Holding | Highlights |
|---|---|---|
| Promoters | 0 % | No promoter holding since Q1 FY2025, indicating a fully public/free-float stock structure. |
| Foreign Institutional Investors (FIIs/FPI) | ~19.5 % | Institutional foreign investments comprise nearly one-fifth of total equity. |
| Domestic Institutional Investors (DIIs) | ~7.3–8 % | Includes mutual funds, insurance, banks, and other financial institutions. |
| — Mutual Funds | ~4.7–11 % | Mutual funds alone hold a notable share; trending upward in recent quarters. |
| — Insurance Companies | ~1 % | A small but growing share held by insurers. |
| — Other DIIs (e.g. banks, AIFs, etc.) | Additional few percent (~2–3 %) | Broad DII base beyond just mutual funds and insurers. |
| Public & Retail Investors (Non-Institutional) | ~72 % | The largest holder category, showing significant retail participation. |
This diversified shareholding sample indicates right investor self assurance.
8. Dividend Policy & Returns to Investors
Ujjivan SFB has commenced worthwhile traders with dividends as income have stabilized. The dividend yield is understated however anticipated to rise in coming years.
- Last Dividend Paid: ₹x in line with proportion
- Dividend Yield: x%
9. Ujjivan Share Price Analysis – Technical & Fundamental
- Fundamental Analysis: Strong mortgage growth, healthful CASA ratio, improved NPA management.
- Technical Analysis: Stock has shown bullish momentum, with key resistance and assist levels.
10. Growth Opportunities & Expansion Plans
- Expanding digital banking services.
- Increasing consciousness on secured lending.
- Opening new branches in semi-urban areas.
- Strengthening retail deposit base.
11. Risks & Challenges in Ujjivan SFB Shares
- Exposure to microfinance loans (risk of defaults).
- Competition from large banks.
- Regulatory dangers.
- Economic slowdowns affecting reimbursement capability.
12. Comparison with Other Small Finance Banks
📊 Table: Comparison of Ujjivan vs Peers (2025)
| Bank | Market Cap (₹ Cr) | Approx. P/E* | Net Profit – FY25 (₹ Cr) | Gross NPA (GNPA) | Net NPA (NNPA) | Key source(s) |
|---|---|---|---|---|---|---|
| Ujjivan Small Finance Bank | 8,065 | 11.11× | 726 | 2.2% | 0.5% | FY25 results PR (PAT ₹726 cr; GNPA 2.2%, NNPA 0.5%); Moneycontrol market cap. |
| Equitas Small Finance Bank | 6,135 | 41.72× | 147.05 | 2.89% | 0.98% | FY25 Annual Report (PAT ₹147.05 cr; GNPA/NNPA); Moneycontrol market cap. |
| AU Small Finance Bank | 55,968 | 26.58× | 2,106 | 2.28% | 0.74% | Q4FY25 results PR (PAT, GNPA/NNPA); Moneycontrol market cap. |
| Suryoday Small Finance Bank | 1,348 | 11.72× | 115 | 7.2% | 4.6% | Q4FY25 investor presentation (FY25 PAT; GNPA/NNPA); Moneycontrol market cap. |
ujjivan small finance bank share
13. Expert Opinions & Broker Recommendations
Brokerage houses have given BUY scores due to strong basics, asset excellent improvements, and regular profitability.
14. Long-time period vs Short-term Investment in Ujjivan Shares
- Short-time period: Volatility predicted, however properly for buyers.
- Long-term: Strong increase prospects, suitable investment for three–5 years.
15. Future Predictions for Ujjivan SFB Shares
- Analysts count on 20–25% CAGR growth in loan book.
- Share price targets for 2025–2026 are optimistic, given growing profitability.
- Expansion into virtual banking to boom valuation.
16. Important FAQs on Ujjivan Small Finance Bank Shares
Q1. Is Ujjivan SFB an excellent inventory to buy in 2025?
Yes, because of strong increase in profitability and expansion plans.
Q2. What is the hazard in making an investment in Ujjivan SFB stocks?
High exposure to microfinance loans poses dangers during financial slowdowns.
Q3. Does Ujjivan SFB give dividends?
Yes, it has began dispensing dividends.
17. Conclusion – Should You Invest?
Ujjivan Small Finance Bank shares present a compelling investment opportunity for those in search of boom in the banking and financial area. With robust fundamentals, enhancing NPAs, expanding retail presence, and growing profitability, it’s miles a promising stock for lengthy-term investors.
