Total deposits reached ₹42,219 crore as of December 31, 2025, marking an increase from ₹34,494 crore the previous year, yielding a year-on-year growth of 22.2%. Sequentially, deposits rose by 7.5% from ₹39,211 crore on September 30, 2025.
CASA deposits surged by 33.1% year-on-year to ₹11,533 crore, with the CASA ratio improving to 27.3% from 25.1% one year prior. The credit-deposit ratio was 87.8% as of December 31, 2025.
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The gross loan portfolio grew by 21.6% year-on-year to ₹37,055 crore, compared to ₹30,466 crore as of December 31, 2024. On a sequential basis, the loan book expanded by 7.1% from ₹34,588 crore. Housing loans, including micro mortgages, saw a 49.6% increase year-on-year to ₹9,560 crore, and MSME advances surged by 69% to ₹2,863 crore.
Vehicle loans more than doubled to ₹823 crore, gold loans rose to ₹557 crore, and agricultural banking loans reached ₹607 crore. The secured loan portfolio increased by 48.8% year-on-year to ₹17,829 crore, with the secured book ratio climbing to 48.1%.
During the third quarter of FY26, total disbursements amounted to ₹8,311 crore, compared to ₹5,362 crore in Q3FY25, reflecting a year-on-year growth of 55%.
Group loan disbursements rose by 70.7% to ₹3,464 crore, while individual loan disbursements grew by 42.9% to ₹1,224 crore. Gold loan disbursements increased to ₹307 crore, and vehicle loan disbursements reached ₹274 crore during the quarter.
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Asset quality improved, with the portfolio at risk declining to 3.98% as of December 31, 2025, down from 5.36% a year earlier. Gross non-performing assets decreased to 2.39% from 2.68% in the same period last year. Write-offs during Q3FY26 totaled ₹119.6 crore.
Micro banking collection efficiency for Group Loan and Individual Loan Bucket X remained robust at 99.70% in December 2025. On Friday (January 2), shares of Ujjivan Small Finance Bank Ltd closed at ₹55.76, up by ₹2.36, or 4.42%, on the BSE.
