Microfinance Institutions company Ujjivan Small Finance Bank announced Q4FY25 & FY25 results Financial Highlights: Financials: FY25 PAT of Rs 726 crore; Q4FY25 PAT at Rs 83 crore. FY25 Total Income at Rs 7,201 Cr, up 11% YoY. FY25 NIM at 8.8% is down 25 bps from 9.1% for FY24. Credit Cost for FY25 at 2.45% of Avg. Gross Loan book, incl. accelerated provision of Rs 46 crore. FY25 RoA / RoE at 1.6% / 12.4%. Assets: Gross loan book at Rs 32,122 crore up 8% YoY / 5% QoQ. Secured book at 43.5% as of Mar’25 vs 30.2% as of Mar’24 / 39.3% as of Dec’24. Micro Banking Disbursements up 38% QoQ. Collection and Asset Quality: Bucket-X collection efficiency improving for Group and Individual Loan book at 99.5% for Mar’25. Portfolio at Risk/GNPA/NNPA at 4.5%/2.2%/0.5% respectively as of Mar’25; for Dec’24 at 5.4%/ 2.7%/ 0.6% respectively. Accelerated Provision as of Mar’25 at Rs 46 crore; Provision coverage ratio as of Mar’25 is 78%. Deposits: Deposits at Rs 37,630 crore as of Mar’25 up 20% YoY / 9% QoQ. CASA at Rs 9,612 crore up 15% YoY; CASA ratio at 25.5% as of Mar’25 up 43 bps vs Dec’24. Retail TD^ + CASA continues to grow and as of Mar’25 is Rs 26,676 crore, up 21% YoY. Capital and Liquidity: Capital adequacy ratio at 23.1%. Average Daily LCR for Mar’25 was 120%. Sanjeev Nautiyal, MD & CEO, Ujjivan Small Finance Bank, said: “FY25 has been an eventful wherein the bank navigated the challenging business environment in the Micro Banking segment maintaining one of the best in industry portfolio quality. Strategic initiative to diversify and build higher share of secured loan book saw significant progress, now contributing 44% of the loan portfolio, up from 30% last year. While, the banking system liquidity continued to see challenges, this was managed at optimal levels with Credit to Deposit ratio improving to around 85% and LCR managed comfortably around 120%. Further, in Feb’25 bank took a major step forward by filing application with RBI to transition to a universal bank. Disbursements for Q4 have been the highest ever in history of Ujjivan at Rs 7,440 crore, up 39% QoQ and 11% YoY. The gross loan book reached Rs 32,122 crore, up 5% QoQ and 8% YoY. The secured book crossed Rs 13,988 crore, up 17% QoQ and 56% YoY. The disbursements for newer product lines contributed 11% to the bank’s disbursements in Q4. The Micro-banking segment saw robust growth in disbursement in Q4, up 38% QoQ. Within Micro Banking, Individual Loan Book grew 5% QoQ, reaching Rs 5,182 crore, now constituting 28% of the overall Micro banking Book as of Mar’25. The Micro Banking Bucket-X Collection Efficiency in all states other than Karnataka showed consistent improvement, reaching 99.6% in Mar’25. The overall Bucket-X collection efficiency reached 99.5% in Mar’25 despite Karnataka registering only 98.7%. The branch and customer specific interventions were pivotal in managing the portfolio making it one of the best in the industry under the current situation. The full implementation of MFIN guardrail 2.0 has been completed with effect from April 1st. For the secured portfolio quality, Housing GNPA reduced YoY to 1.1% as of Mar’25 from 1.5%. MSME saw drastic improvement with GNPA reducing to 5.5% as of Mar’25 from 8.4% as of Mar’24. Bank level GNPA stood at 2.2% and NNPA at 0.5%. Total deposit book closed at Rs 37,630 crore, up 9% QoQ and 20% YoY. In Q4 impressive growth in CASA was witnessed, up 11% QoQ reaching Rs 9,612 crore and now forming 25.5% of total deposits up by 43 bps vs 25.1% in Dec’24. CA Crossed an important milestone of Rs 1,000 crore for the first time, reaching Rs 1,118 crore as on Mar’25, with impressive growth of 35% QoQ and 46% YoY. Retail TD + CASA grew 21% YoY to reach Rs 26,676 crore. Result PDF