Ujjivan Small Finance Bank Q1 Results: The results of this bank are very bad, profit fell from 301 crores to 103 crores

News Topical, Digital Desk : Ujjivan Small Finance Bank has reported a net profit of Rs 103 crore in the first quarter (Q1) of the financial year 2026. This is a significant drop compared to the profit of Rs 301 crore in the same quarter last year. This indicates a major decline in profits on an annual basis.

During this period, the bank's gross NPA (non-performing assets) has increased from 2.18% to 2.52%, while net NPA has increased from 0.49% to 0.70%, which shows its deteriorating asset quality on a quarter-over-quarter basis.

Net interest income (NII) has also fallen from Rs 941 crore to Rs 856 crore, which shows a decrease compared to last year. If we look at the increase in NPA and decreasing profit, the operational challenges of the bank are clearly visible.

Tension for the bank This report is a matter of concern for Ujjivan Small Finance Bank because the decline in profits and increasing NPA are having a negative impact on the business position of the bank. The bank will have to take measures to improve its asset quality, reduce bad loans and increase earnings. According to some reports, the total deposits of the bank have increased and new business segments such as micro-mortgage, gold loans and vehicle financing are expected to improve, which can improve the performance of the bank in future. Ujjivan Small Finance Bank has faced a challenging situation with declining profits and increased NPA in Q1. For better results in the upcoming quarters, it will be necessary for the bank to better manage its business and loan collection.

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