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For the full year,net profit declined 43.34% to Rs 726.10 crore in the year ended March 2025 as against Rs 1281.50 crore during the previous year ended March 2024. Total Operating Income rose 11.93% to Rs 6354.39 crore in the year ended March 2025 as against Rs 5677.16 crore during the previous year ended March 2024.
Credit-deposits ratio declined to 85.4% as of 31st March 2025 as compared with 94.7% as of 31st March 2024.
Gross loan book stood Rs 32,122 crore as on 31st March 2025, registering the growth of 7.9% as compared with Rs 29,780 crore as of 31st March 2024. It includes IBPC/ Securitization of Rs 195 crore as on 31st March 2025.
Overall disbursement jumped 11.6% to Rs 7,455 crore in Q4 FY25 as compared with Rs 6,681 crore in Q3 FY24.
The bank’s gross non-performing assets (GNPA) ratio stood at 2.2% as of 31st March 2025, up from 2.1% a year ago, but improved from 2.7% as of 31st December 2024. Additionally, collection efficiency stood at 96.9% as of 31st March 2025, slightly up from 96.6% recorded on 28th February 2025.
Ujjivan Small Finance Bank is among the leading small finance banks in the country. The company’s standalone net profit declined 63.8% to Rs 108.62 crore while total income increased 6.5% to Rs 1763.24 crore in Q3 FY25 over Q3 FY24.