UJJIVAN SMALL FINANCE Results Analysis-Q3FY26

Interest Earned for Q3FY26 is Rs. 1,752 Crs., 10.11% growth YoY, Net Interest Income is Rs. 1,000 Crs (highest ever reported NII), 12.83% growth YoY, Total Net Income is Rs. 1,296 Crs., 22.39% growth YoY, Pre-Provisioning Operating Profit is Rs. 440 Crs.,22.45% growth YoY, PBT is Rs. 244 Crs., 79.26% growth YoY, Net profit is Rs.186 Crs., 70.98% growth YoY (which includes 18.29 Cr. one-time impact of New Labour Code). For Q3FY26 Gross NPA 2.39% vs 2.68% in Q3FY25, Net NPA 0.6% vs 0.60% in Q3FY25, Net Interest Margin 8.2% vs 8.6% in Q3FY25. Return on Assets is 1.5% improved by 45 BPS on YoY and QoQ basis, Return on Equity is 11.5% improved by 423 BPS on YoY and 378 BPS on QoQ basis, Closing Loan Book as on Q3FY26 is Rs. 37,057 Crs., 22% growth YoY. On QoQ basis Interest Earned growth is 4.14%, Net Interest Income has grown by 8.55%, Total Net Income growth is 10%, Pre-Provisioning Operating Profit has grown by 11.27%, PBT grown by 52.52% and PAT grown by 52.58% (which includes 18.29 Cr. one-time impact of New Labour Code). CASA ratio >27% for two consecutive quarters, driven by “clear focus on acquiring quality new-to-bank customers” and better engagement with existing customers. Quarterly disbursements: ₹8,293cr (highest ever), “all-round performance across unsecured and secured products.”