Ujjivan Small Finance Bank Limited's Board of Directors, in a meeting held on April 30, 2025, approved the Audited Financial Results for the quarter and year ended March 31, 2025.

Key Financial Highlights:

• Net Profit for Q4 FY25 was ₹83.39 crore, compared to ₹329.63 crore in Q4 FY24.
• Net Profit for the full year FY25 was ₹726.10 crore, down from ₹1,281.50 crore in FY24.
• Total Income for Q4 FY25 was ₹1843.05 crore, compared to ₹1764.64 crore in Q4 FY24.
• Total Income for the full year FY25 was ₹7200.59 crore, up from ₹6463.91 crore in FY24.
• Gross NPAs stood at 2.18% as of March 31, 2025 (₹695.89 crore), compared to 2.23% (₹612.52 crore) as of March 31, 2024.
• Net NPAs were 0.49% as of March 31, 2025 (₹152.43 crore), compared to 0.28% (₹76.29 crore) as of March 31, 2024.
• Capital Adequacy Ratio (CAR) was 23.10% as of March 31, 2025, down from 24.69% as of March 31, 2024.
• Total Deposits increased to ₹37,630.48 crore as of March 31, 2025, from ₹31,462.16 crore as of March 31, 2024.
• Total Advances grew to ₹31,390.00 crore as of March 31, 2025, from ₹26,882.92 crore as of March 31, 2024.
• Basic Earnings Per Share (EPS) for FY25 was ₹3.75, compared to ₹6.65 in FY24.

The Joint Statutory Auditors have issued an unmodified audit report on the financial results.

Other notable points:

• The scheme of amalgamation of Ujjivan Financial Services Limited (UFSL) with the Bank became effective on April 30, 2024, with the appointed date being April 1, 2023.
• During FY25, the Bank allotted 1,41,27,02,033 equity shares pursuant to the amalgamation scheme and 35,75,134 shares under the ESOP 2019.
• The Bank transferred stressed loans totalling ₹634.86 crore (aggregate principal outstanding) to Asset Reconstruction Companies (ARCs) during FY25.
• A floating provision of ₹69.33 crore was utilised during the year towards meeting the shortfall on the transfer of stressed loans to ARCs.
• The Bank carries a floating provision of ₹180.67 crore as of March 31, 2025.
• An application for a Universal Banking License was submitted to the RBI on February 4, 2025.

A press release and investor presentation detailing the financial and business performance will be submitted separately.