Ujjivan Small Finance Bank (Ujjivan SFB) has posted a robust performance for Q4 FY25, driven by strong deposit growth and aggressive disbursements across key lending segments. Total deposits rose to ₹37,617 crore, up 19.6% YoY and 9.1% QoQ, while CASA deposits grew 15.3% YoY to ₹9,611 crore, with a healthy CASA ratio of 25.6%.
The gross loan book stood at ₹32,122 crore, reflecting a 7.9% YoY growth, led by Affordable Housing (₹7,308 crore, +48.4%), MSME (₹2,047 crore, +44.8%), and FIG (₹2,785 crore, +60.9%). Disbursements surged 11.6% YoY to ₹7,455 crore, with MSME lending up 316.6% and FIG disbursements nearly doubling. Secured loans rose sharply by 55.7% YoY to ₹14,002 crore, now contributing 43.6% of the total book. Asset quality improved with GNPA down to 2.2%, and overall collection efficiency remained strong at 96.9% in March 2025. Micro banking X Bucket Collection Efficiency held steady at 99.5%.
In Kolkata, Ujjivan’s aggressive push in MSME and affordable housing is expected to benefit the city’s thriving small businesses and emerging homebuyers. The bank’s focused growth in secured lending aligns well with Kolkata’s demand for financial inclusion and urban credit expansion.
