Ujjivan Small Finance Bank (UFSB) serves the underserved and unserved segments of the Indian population through digital and financial inclusion.It offers personal accounts, corporate accounts, retail forex, gold loans, home loans, and more. UFSB was set up by Ujjivan Financial Services Limited as a scheduled bank and began operations on Feb 1, 2017. Since then, it has gained more than 9 million customers spread across 26 states and union territories of India. UFSB has utilised the power of sound and music to enhance customer experience through ‘The Sound of Ujjivan’. Its “sonic identity” aims to embody its essence and values of opportunity, freedom, and progress. The bank is also committed to financial literacy initiatives and community development to solidify its mission to be a responsible bank.
PARAMETERS | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2013 | 2012 |
---|---|---|---|---|---|---|---|---|---|---|
Revenue (INR Cr) | 6464 36.0% | 4754 49.9% | 3173 2.1% | 3108 2.7% | 3026 48.5% | 2038 29.0% | 1579 598.5% | 226 -3.4% | 234 49.7% | 156 - |
Net Operating Income (INR Cr) | 5677 36.31% | 4165 48.07% | 2813 0.24% | 2806 3.79% | 2704 47.61% | 1832 24.78% | 1468 576.75% | 217 -2.53% | 223 50.11% | 148 - |
Profit (INR Cr) | 1281 16.5% | 1100 - | -415 - | 8 -97.6% | 350 75.7% | 199 2804.1% | 7 - | 0 -99.9% | 34 1879.5% | 2 - |
Assets (INR Cr) | 40440 21.3% | 33327 41.1% | 23618 15.8% | 20391 10.7% | 18421 33.9% | 13758 45.2% | 9473 12.3% | 8439 520.4% | 1360 51.6% | 898 - |
Net Worth (INR Cr) | 5614 40.0% | 4009 54.0% | 2603 -13.8% | 3019 1.0% | 2988 84.5% | 1620 11.9% | 1447 0.5% | 1440 0.0% | 321 32.4% | 243 0.0% |
Employee Cost (INR Cr) | 1183 28.6% | 920 13.3% | 813 8.5% | 749 4.2% | 718 38.5% | 519 43.9% | 360 610.4% | 51 -22.8% | 66 9.3% | 60 - |
Interest Cost (INR Cr) | 2268 | 1467 | 1039 | 1078 | 1070 | 725 | 607 | 109 | 81 | 59 |
Cash & Bank Balance (INR Cr) | 2537 | 2484 | 2176 | 2578 | 1343 | 1094 | 495 | 763 | 179 | 161 |
Total Debt (INR Cr) | 33633 | 28179 | 20056 | 16383 | 14734 | 11546 | 7625 | 6498 | 997 | 617 |
PARAMETERS | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2013 | 2012 |
---|---|---|---|---|---|---|---|---|---|---|
Profit As % Of Revenues | 19.8% | 23.1% | - | 0.3% | 11.6% | 9.8% | 0.4% | 0.0% | 14.5% | 1.1% |
Profit As % Of Assets | 3.2% | 3.3% | - | 0.0% | 1.9% | 1.5% | 0.1% | 0.0% | 2.5% | 0.2% |
Profit As % Of Networth | 22.8% | 27.4% | - | 0.3% | 11.7% | 12.3% | 0.5% | 0.0% | 10.5% | 0.7% |
Interest Cost to EBITDA % | - | - | - | - | - | - | - | - | - | - |
Debt to Equity Ratio | - | - | - | - | - | - | - | - | - | - |
RONW | 26.6% | 32.7% | - | 0.3% | 14.6% | 11.6% | 0.5% | 0.0% | 12.0% | 0.7% |
ROCE | - | - | - | - | - | - | - | - | - | - |