Ujjivan Small Finance Bank (SFB) disclosed its Q3FY25 performance under SEBI regulations, highlighting a 16% year-on-year (YoY) growth in total deposits, reaching ₹34,496 crore as of December 31, 2024. The CASA ratio improved by 15% YoY to ₹8,657 crore, with the credit-deposit ratio at 88%.
The gross loan book grew 10% YoY to ₹30,466 crore, driven by a 45% surge in affordable housing loans and a 57% increase in financial institutions group (FIG) loans. Secured loans accounted for 40% of the portfolio, up from 28% last year.
Despite a 6% drop in overall disbursements, segments like MSME and others witnessed significant growth of 214% and 169%, respectively. Asset quality metrics showed a slight increase in GNPA to 2.7% from 2.1% YoY, while collection efficiency remained robust at 96% in December 2024. The report, subject to statutory review, is available on the bank’s website.
