Ujjivan Small Finance Bank announced Key Business Numbers for the quarter ending March 31, 2025

Chennai: Ujjivan Small Finance Bank has announced the Key Business Numbers for the quarter ending March 31, 2025.

Deposits: 

Particulars	Mar 31, 2025	Mar 31, 2024	Y-o-Y	Dec 31, 2024	Q-o-Q
Total Deposits (₹ in crore)	37,617	31,462	19.6%	34,494	9.1%
CASA (₹ in crore)	9,611	8,335	15.3%	8,662	11.0%
CASA Ratio (%)	25.6%	26.5%		25.1%
Credit-Deposit Ratio (%)	85.4%	94.7%		88.3%

Gross Loan Book: 

Particulars (₹ in crore)	Mar 31, 2025	Mar 31, 2024	Y-o-Y	Dec 31, 2024	Q-o-Q
Gross Loan Book*	32,122	29,780	7.9%	30,466	5.4%
Micro Group Loan	13,090	16,009	-18.2%	13,663	-4.2%
Individual Loan	5,194	4,799	8.2%	4,953	4.9%
Affordable Housing#	7,308	4,924	48.4%	6,393	14.3%
MSME	2,047	1,414	44.8%	1,694	20.8%
FIG	2,785	1,731	60.9%	2,257	23.4%
Others^	1,698	902	88.2%	1,506	12.7%
Total Secured Book	14,002	8,990	55.7%	11,984	16.8%
Secured Book (%)	43.6%	30.2%		39.3%

Disbursements: 

Particulars (₹ in crore)	Q4 FY 25	Q4 FY 24	Y-o-Y	Q3 FY 25	Q-o-Q
Overall Disbursement	7,455	6,681	11.6%	5,362	39.0%
Micro Group Loan	2,787	3,712	-24.9%	2,029	37.4%
Individual Loan	1,185	1,219	-2.8%	857	38.3%
Affordable Housing	1,130	730	54.8%	813	39.0%
MSME	533	128	316.6%	332	60.6%
FIG	1,064	546	94.8%	596	78.4%
Others^	756	346	118.6%	735	2.9%

Collections & Asset Quality: 

Particulars	Mar 31, 2025	Dec 31, 2024	Mar 31, 2024
PAR	4.5%	5.4%	3.5%
GNPA	2.2%	2.7%	2.1%

Particulars	Mar’25	Feb’25	Jan’25
Collection Efficiency (including foreclosure/ advance etc.)	108.5%	106.6%	106.8%
Collection Efficiency	96.9%	96.6%	96.3%

Micro Banking (GL and IL): X Bucket Collection Efficiency 

X Bucket CE %	Mar’25	Feb’25	Jan’25	Dec’24
Overall	99.5%	99.0%	99.2%	99.3%
Karnataka	98.7%	96.8%	98.4%	99.1%
Others (Excl. Karnataka)	99.6%	99.4%	99.3%	99.3%