On liabilities, retail deposits formed 72% of the total deposit base of Rs 38,619 crore in Q1 FY26. CASA stood at Rs 9,381 crore (24.3% of deposits), with a target of reaching 35% by FY30. The branch network will be expanded from 752 to around 1,150, with deeper cross-sell and new products including IPO-ASBA, insurance, mutual fund distribution, remittances, and co-branded credit cards.

The bank aims to reduce cost-to-income ratio to 55% and deliver RoA of 1.8-2.0% and RoE of 16-18% by FY30 through technology optimisation, branch productivity gains, and expense rationalisation.

Ujjivan reported a capital adequacy ratio of 22.8% in Q1 FY26, with Tier I at 21.2%. The shift towards secured loans is expected to enhance capital efficiency and support long-term growth without immediate capital raising.

CEO Sanjeev Nautiyal said the bank targets annual loan book growth of 20-25% and plans to leverage its 97 lakh customer base across 26 states and Union Territories.

Ujjivan Small Finance Bank is a scheduled commercial bank authorised to carry on the business of small finance bank in India. It serves ~97 lakh customers through 754 branches, 613 ATMs/ACRs, spread across 326 districts and 26 states and union territories in India.

On a standalone basis, Ujjivan Small Finance Bank's net profit fell 65.72% to Rs 103.22 crore on 5.27% increase in total income to Rs 1,867.83 crore in Q1 June 2025 over Q1 June 2024.