Ujjivan Financial Services Ltd

Fortune 500 2022
+ 7 More
+ 7 More
OVERVIEW
FINANCIALS

About

Ujjivan Small Finance Bank Limited is an Indian small finance bank based in Bangalore, which commenced operations on 1 February 2017. Ujjivan Financial Services holds an 80 percent stake in the bank. On 7 October 2015, Ujjivan Financial Services received an in-principle approval from the Reserve Bank of India to set up a small finance bank. At the time, the company had already serviced over 2.6 million customers from 464 branches in 24 states. The small finance bank status provided the opportunity to expand Ujjivan's range of loan products and accept deposits rather than relying on other financial institutions to provide funds for the loans. Ujjivan received the final license from the Reserve Bank of India on 11 November 2016 to set up a small finance bank.

Incorporation Year: 2004
Headquarters: Bengaluru
Top Management: Samit Ghosh
Industry: BFSI

Featured In Fortune India Ranking

Fortune 500 India
#466(2022)
#368(2021)
#365(2020)
#466(2022)#368(2021)#365(2020)
Ranking Trend Fortune 500 India
Next 500 India
#25(2020)#91(2019)#123(2018)#262(2017)#464(2016)
#25(2020)#91(2019)#123(2018)#262(2017)#464(2016)
Ranking Trend Fortune Next 500 India

Financial Data 2023

Revenue
4,679
(INR Cr)
Net Operating Income
4,556
(INR Cr)
Assets
35,018
(INR Cr)
Profit
891
(INR Cr)
Net Worth
3,224
(INR Cr)

Financial Data

RevenueNet Operating IncomeProfitAssetsNet Worth
PARAMETERS202320222021202020192018201720162015201420132012201120102009
Revenue
(INR Cr)
4679
51.3%
3092
-2.8%
3181
7.1%
2969
47.5%
2014
30.4%
1545
10.5%
1398
659.5%
184
-69.9%
612
71.1%
358
52.9%
234
49.7%
156
-0.1%
156
86.2%
84
196.2%
28
-
Net Operating Income
(INR Cr)
4556
52.12%
2995
-2.51%
3072
7.28%
2864
46.36%
1957
29.04%
1516
8.86%
1393
0.00%
18
-97.12%
611
71.06%
357
53.00%
233
49.71%
156
-0.23%
156
86.41%
84
199.46%
28
0.00%
Profit
(INR Cr)
891
-
-192
-
-199
-
282
87.6%
150
479.7%
26
-87.5%
208
17.2%
177
133.8%
76
29.7%
58
77.7%
33
-
0
-98.9%
11
18.4%
10
-
-1
-
Assets
(INR Cr)
35018
47.2%
23795
20.5%
19750
7.5%
18375
33.9%
13720
46.3%
9379
14.3%
8205
47.9%
5549
43.6%
3864
90.8%
2025
53.8%
1317
53.5%
858
45.8%
588
71.7%
343
98.2%
173
-
Net Worth
(INR Cr)
3224
38.8%
2323
-7.6%
2512
-11.5%
2840
51.2%
1878
8.4%
1732
-1.4%
1756
0.0%
1198
62.6%
736
97.7%
373
17.2%
318
32.3%
240
106.8%
116
10.0%
106
5.0%
101
0.0%
Employee Cost
(INR Cr)
930
13.1%
822
8.3%
759
3.3%
735
35.9%
541
44.8%
373
37.5%
272
-
1
-99.3%
133
63.3%
81
23.7%
66
9.2%
60
8.8%
55
69.9%
33
128.1%
14
-
Interest Cost
(INR Cr)
14931071112111157276025430271140826148197
Cash & Bank Balance
(INR Cr)
24842188260913441097613760491645394179161612319
Total Debt
(INR Cr)
30776210731679915204118427625639243383122165099761747223772

Key Financial Ratios

Profit As % Of RevenuesRONW %Interest Cost to EBITDA %ROCE %Debt to Equity Ratio
PARAMETERS202320222021202020192018201720162015201420132012201120102009
Profit As % Of Revenues 19.0%--9.5%7.5%1.7%14.9%96.3%12.4%16.3%14.1%0.1%7.3%11.5%-
Profit As % Of Assets 2.5%--1.5%1.1%0.3%2.5%3.2%2.0%2.9%2.5%0.0%1.9%2.8%-
Profit As % Of Networth 27.6%--9.9%8.0%1.5%11.8%14.8%10.3%15.7%10.3%0.1%9.8%9.1%-
Interest Cost to EBITDA % ---------------
Debt to Equity Ratio ---------------
RONW 41.1%--12.7%8.3%1.5%11.8%18.3%13.7%16.9%11.8%0.1%10.3%9.4%-
ROCE 10.5%3.6%4.3%9.6%8.1%7.4%10.5%3.9%13.1%13.7%11.9%8.4%14.1%11.8%0.0%