Latest News on Ujjivan Small Finance Bank
Ujjivan Small Finance Bank Touches Fresh 52-Week Peak at Rs. 54.56
Ujjivan Small Finance Bank has achieved a significant milestone by reaching a new 52-week high of Rs. 54.56 on October 28, 2025. This accomplishment reflects the bank’s strong performance over the past year, with a remarkable 45.41% increase in value. In comparison, the Sensex has only gained 6.04% during the same period, indicating Ujjivan Small Finance Bank’s outperformance.
Despite a slight underperformance of 1.1% against its sector on the day, the bank has demonstrated resilience by trading above its key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages. This trend suggests a robust market position for the small-cap bank, indicating its ability to maintain upward momentum.
The broader market context is also positive, with the Sensex recovering from an initial dip and currently trading at 84,834.72, just 0.54% away from its own 52-week high. The small-cap segment is leading the market, with the BSE Small Cap index gaining 0.39%. Ujjivan Small Finance Bank’s recent performance highlights its strong standing in the financial sector and marks a notable achievement in its growth trajectory.
The bank’s ability to outperform the Sensex and maintain a strong market position is a testament to its solid fundamentals and growth prospects. As the small-cap segment continues to lead the market, Ujjivan Small Finance Bank is well-positioned to capitalize on the trend and continue its upward momentum. With its strong performance and robust market position, the bank is likely to remain a key player in the financial sector, attracting investor attention and driving growth in the small-cap segment.
Overall, Ujjivan Small Finance Bank’s achievement of a new 52-week high is a significant milestone that reflects its strong performance and growth prospects. The bank’s ability to maintain a robust market position and outperform the Sensex is a testament to its solid fundamentals and potential for future growth. As the market continues to recover, Ujjivan Small Finance Bank is likely to remain a key player in the financial sector, driving growth and attracting investor attention.
Ujjivan needs to undergo a transformation to become eligible for a universal banking licence
Ujjivan Financial Services, a leading microfinance institution in India, is on the cusp of a significant transformation. To obtain a universal banking licence, the company must undergo a radical change in its DNA. This transformation is crucial for Ujjivan to expand its services and stay competitive in the rapidly evolving Indian banking landscape.
Currently, Ujjivan operates as a microfinance institution, providing small loans to low-income individuals and groups. However, with a universal banking licence, the company can offer a broader range of financial services, including savings accounts, credit cards, and other banking products. This expansion will enable Ujjivan to tap into the vast and growing Indian banking market, which is expected to reach $1.2 trillion by 2025.
To achieve this transformation, Ujjivan must make significant changes to its business model, operations, and culture. The company will need to invest heavily in technology, talent, and infrastructure to support its expanded services. This will require a substantial increase in capital expenditure, which may put pressure on the company’s bottom line in the short term.
Moreover, Ujjivan will need to adapt to a more complex regulatory environment, as universal banks are subject to stricter regulations and guidelines. The company will need to ensure that its systems, processes, and risk management practices are robust and compliant with the Reserve Bank of India’s (RBI) guidelines.
The transformation will also require a cultural shift within the organization. Ujjivan’s employees will need to develop new skills and expertise to support the expanded services, and the company’s leadership will need to adopt a more nuanced approach to risk management and customer engagement.
Despite the challenges, the potential benefits of obtaining a universal banking licence are significant. Ujjivan can increase its customer base, improve its revenue streams, and enhance its brand reputation. The company can also leverage its existing network and customer relationships to cross-sell and upsell its new services, driving growth and profitability.
In conclusion, Ujjivan’s transformation into a universal bank is a bold and ambitious move that requires significant changes to its DNA. While the journey will be challenging, the potential rewards are substantial. With careful planning, investment, and execution, Ujjivan can successfully navigate this transformation and emerge as a major player in the Indian banking sector. The company’s ability to adapt and evolve will be crucial in determining its success in this new chapter of its journey.
Ujjivan SFB’s Hello Ujjivan app enables transactions worth ₹690 crore, streamlining financial operations for its users.
Ujjivan Small Finance Bank’s mobile banking app, Hello Ujjivan, has achieved significant success in facilitating financial transactions and promoting digital literacy among its microbanking customers. Since its launch, the app has enabled over ₹690 crore in transactions, with over 13 lakh downloads and 98% of users being women with an average age of 35 years. The app has been designed to be accessible and user-friendly, with features such as voice assistance, visual navigation, and multilingual functionality in 11 Indian languages.
The app has facilitated ₹277 crore in loan repayments, ₹358 crore in deposits, ₹34 crore in individual loan disbursements, and over 36,000 Hospicare insurance purchases worth ₹2.4 crore. Additionally, it has enabled over five lakh loan disbursement acknowledgements to be completed digitally, reducing the need for physical bank visits. This shift from physical to digital demonstrates a significant behavioral change among customers who were previously unfamiliar with formal banking technology.
The app’s success can be attributed to its design, which eliminates literacy and language barriers, allowing microbanking customers to perform essential banking activities independently. The app also provides financial literacy through its Digital Diksha feature, which helps customers plan and track their financial goals. The app’s impact has been recognized through multiple industry awards, including the Aegis Graham Bell Award and the SKOCH Award.
Ujjivan Small Finance Bank aims to further expand the app’s capabilities with new features by FY26 to enhance customer convenience, deepen engagement, and drive digital adoption. The bank is focused on scaling Hello Ujjivan as a digital accelerator for collections efficiency, loan disbursements, and cross-sell opportunities within its MicroBanking customer portfolio. The app’s success in driving a shift in financial behavior positions it as a model for an inclusive digital banking mission.
The app’s achievements demonstrate the potential for digital banking to promote financial inclusion and empowerment, particularly among underserved segments. By providing accessible and user-friendly digital banking services, Ujjivan Small Finance Bank is helping to bridge the digital divide and promote economic growth. The bank’s commitment to expanding the app’s capabilities and scaling its impact is expected to have a positive impact on the financial lives of its microbanking customers.
Stock Market Updates of Ujjivan Small Finance Bank
Recent Updates
Ujjivan Small Finance Bank Limited’s Ability to Withstand Market Declines: An Analysis of Insider Selling Trends and Impressive Capital Gains – earlytimes.in
Ujjivan Small Finance Bank Limited has demonstrated resilience during market downturns, and several factors contribute to its stability. One key aspect is the bank’s focus on serving the unbanked and underbanked population in India, providing a unique value proposition. This niche approach has allowed Ujjivan to build a loyal customer base and maintain a strong market position.
Another important factor is the bank’s robust financial performance. Ujjivan has consistently reported high return on equity (RoE) and return on assets (RoA), indicating efficient use of capital and assets. The bank’s net interest margin (NIM) has also remained healthy, reflecting its ability to maintain a balance between lending and borrowing rates.
In addition to its financial performance, Ujjivan’s management team has played a crucial role in navigating market downturns. The team’s experience and expertise in microfinance and small finance banking have enabled the bank to adapt to changing market conditions and make informed decisions.
Insider selling patterns also provide valuable insights into Ujjivan’s resilience. An analysis of insider transactions reveals that the bank’s promoters and management team have not engaged in significant selling activities during market downturns. This suggests that they have confidence in the bank’s long-term prospects and are committed to its growth.
Ujjivan’s high return on capital gains is another factor contributing to its resilience. The bank has generated significant capital gains through its investments and lending activities, which has helped to cushion the impact of market downturns. This, combined with its robust financial performance and stable management team, has enabled Ujjivan to maintain a strong balance sheet and navigate challenging market conditions.
Furthermore, Ujjivan’s small finance bank model is designed to be resilient to market fluctuations. The bank’s focus on serving the unbanked and underbanked population provides a natural hedge against market downturns, as this segment is less affected by economic cycles. Additionally, Ujjivan’s low-cost operating! model and efficient use of technology have helped to reduce costs and improve profitability, making it more resilient to market volatility.
In conclusion, Ujjivan Small Finance Bank Limited’s resilience during market downturns can be attributed to a combination of factors, including its unique value proposition, robust financial performance, experienced management team, and high return on capital gains. The bank’s insider selling patterns and small finance bank model also contribute to its stability, making it an attractive investment opportunity for those looking for a resilient and growth-oriented bank. With its strong foundation and adaptable approach, Ujjivan is well-positioned to navigate future market challenges and continue to deliver value to its customers and investors.
Ujjivan Small Finance Bank’s Q1 earnings take a hit, with net profit drastically falling to Rs 103 crore.
Ujjivan Small Finance Bank has reported a significant decline in its profit for the first quarter of the fiscal year. The bank’s profit plummeted to Rs 103 crore, marking a substantial drop from the previous year’s figures. This decline can be attributed to various factors, including an increase in provisioning for bad loans and a rise in operating expenses.
The bank’s net interest income (NII) also witnessed a decline, standing at Rs 544 crore, as compared to Rs 608 crore in the corresponding quarter of the previous year. This decrease in NII can be attributed to the bank’s efforts to restructure its loan portfolio and focus on high-quality assets.
Ujjivan Small Finance Bank’s gross non-performing assets (NPAs) also saw a rise, standing at 6.4% of the total loans, as compared to 4.4% in the previous quarter. This increase in NPAs has resulted in higher provisioning requirements, which have negatively impacted the bank’s profitability.
The bank’s operating expenses also increased, primarily due to higher employee benefits and other operating expenses. The operating expenses for the quarter stood at Rs 444 crore, as compared to Rs 394 crore in the corresponding quarter of the previous year.
Despite the decline in profit, Ujjivan Small Finance Bank’s management remains optimistic about the bank’s future prospects. The bank is focusing on improving its asset quality, reducing its cost of funds, and increasing its fee income. The management is also working on expanding the bank’s distribution network and enhancing its digital capabilities to improve customer convenience and increase business growth.
In terms of deposits, Ujjivan Small Finance Bank witnessed a growth of 24% year-on-year, with total deposits standing at Rs 17,444 crore. The bank’s CASA (current account and savings account) ratio also improved, standing at 24.3%, as compared to 20.4% in the previous quarter.
Overall, while Ujjivan Small Finance Bank’s Q1 results were disappointing, the bank’s management is taking steps to address the challenges and improve its performance. The bank’s focus on asset quality, cost reduction, and business growth is expected to yield positive results in the coming quarters. However, the bank will need to continue to monitor its NPAs and provisioning requirements closely to ensure a turnaround in its profitability.
Ujjivan Small Finance Bank intends to generate ₹2,000 crore in capital through a Qualified Institutional Placement (QIP) process, which is expected to be completed within the next 18 to 24 months.
Ujjivan Small Finance Bank (SFB) is planning to raise approximately ₹2,000 crore over the next 18-24 months through a Qualified Institutional Placement (QIP) to support its long-term growth strategy. The bank has submitted an application for a universal banking license to the Reserve Bank of India (RBI) and is awaiting a decision, which is expected by December. Despite the uncertainty surrounding the license, Ujjivan SFB has set several growth priorities for FY30, including tripling its liabilities, achieving a CASA ratio of around 35%, and expanding its gross loan book to approximately ₹1 lakh crore.
The bank also plans to add about 500 new branches, maintain a cost-to-income ratio of about 55%, and keep operating expenses below 5% of average assets. For the nearer term, Ujjivan SFB has guided for FY26 with projected asset growth of 20%, a CASA deposit ratio of 27%, a return on assets (ROA) of 1.2-1.4%, and a return on equity (ROE) between 10-12%. The cost-to-income ratio is expected to be around 67%.
According to Sanjeev Nautiyal, MD & CEO of Ujjivan SFB, the bank’s five-year growth plan is designed to be agnostic to whether the RBI grants the universal banking license, ensuring that Ujjivan SFB’s strategic priorities remain on track regardless of regulatory outcomes. This means that the bank is prepared to move forward with its growth plans, with or without the universal banking license.
The proposed QIP of ₹2,000 crore will help Ujjivan SFB to support its long-term growth strategy, which includes expanding its branch network, increasing its loan book, and improving its deposit base. The bank’s management is hopeful that the RBI will grant the universal banking license, which would enable Ujjivan SFB to offer a wider range of banking services to its customers. However, even if the license is not granted, the bank is confident that it can still achieve its growth objectives. Overall, Ujjivan SFB is well-positioned to achieve its long-term growth strategy, with a clear plan in place and a strong management team to execute it.
Despite having a robust capital base, Ujjivan Small Finance Bank is currently grappling with significant financial hurdles.
Ujjivan Small Finance Bank has recently undergone an evaluation adjustment due to changes in its financial metrics and market position. The bank, operating in the small-cap segment of the Other Bank industry, has reported a decline in its financial performance over the past quarters. Specifically, the bank’s profit before tax has decreased significantly, with a reported loss of Rs -113.45 crore, which is a substantial change compared to the previous four-quarter average. Additionally, the net interest income has reached its lowest point at Rs 855.95 crore.
Despite these challenges, the bank maintains a strong capital adequacy ratio of 24.50%, which indicates a robust buffer against risk-based assets. This suggests that the bank has a strong foundation to withstand potential risks and uncertainties. Furthermore, the bank’s gross non-performing asset (NPA) ratio stands at a low 2.52%, which showcases effective lending practices. This low NPA ratio indicates that the bank has been able to manage its loan portfolio effectively and minimize potential losses.
The bank has also experienced a healthy annual growth rate of 17.46% in net interest income, which suggests potential for long-term stability. This growth rate indicates that the bank has been able to increase its revenue from interest-earning assets, which is a positive sign for its future prospects. Overall, the recent evaluation adjustment reflects the bank’s current financial landscape, which is characterized by both challenges and strengths.
The bank’s strong capital adequacy ratio and low NPA ratio are positives, while the decline in profit before tax and net interest income are negatives. However, the bank’s ability to maintain a strong capital base and manage its loan portfolio effectively suggests that it has the potential to navigate the current challenges and achieve long-term stability. The bank’s financial performance will be closely watched in the coming quarters to see if it can recover from the current decline and achieve sustained growth.
Maximize Your Earnings: Explore Top Small Finance Options for Higher FD Returns
Fixed deposits (FDs) are a popular investment option for those seeking assured returns, with small finance banks offering higher interest rates than larger banks. These smaller banks provide competitive rates for short-term deposits, typically ranging from 1-3 years, making them an attractive option for investors. Some of the top small finance banks for FDs include Jana Small Finance Bank, Suryoday Small Finance Bank, and Utkarsh Small Finance Bank, offering interest rates of 7.77%, 7.75%, and 7.65%, respectively.
In comparison, larger banks like SBI offer lower interest rates, ranging from 6.25% to 6.45% for one- to three-year FDs. The higher interest rates offered by small finance banks make them an ideal option for investors seeking maximum returns on their investments. For example, a ₹1 lakh deposit in Jana Small Finance Bank can earn ₹7,770 annually, while the same deposit in SBI would earn ₹6,250 to ₹6,450 annually.
Other small finance banks, such as Equitas Small Finance Bank, ESAF Small Finance Bank, Ujjivan Small Finance Bank, and AU Small Finance Bank, also offer competitive interest rates, ranging from 7.1% to 7.6%. These rates provide annual returns ranging from ₹7,100 to ₹7,600 for a ₹1 lakh deposit, which is higher than what most traditional banks offer.
When investing in FDs with small finance banks, it’s essential to consider factors such as bank stability and reputation, credit ratings, deposit insurance cover, tenure, and liquidity options. While higher returns are attractive, experts recommend balancing higher interest with financial security to ensure safe and profitable investing. Small finance banks are particularly suitable for short-term deposits, as they offer higher returns than traditional banks and provide the flexibility to reinvest or withdraw quickly if needed.
In conclusion, small finance banks like Jana, Suryoday, Utkarsh, Equitas, ESAF, and Ujjivan offer attractive options for FDs, with higher interest rates than larger banks. However, it’s crucial to consider safety, credit ratings, and insurance cover before investing to ensure a secure and profitable investment. By choosing the right small finance bank and considering the necessary factors, investors can earn higher returns on their investments while minimizing risk.
Ujjivan Small Finance Bank introduces Ujjivan Sweep Smart, an exclusive feature for Maxima Current Account customers
Ujjivan Small Finance Bank has introduced a new feature called Ujjivan Sweep Smart, designed for its Maxima Current Account customers. This auto-sweep feature allows businesses and professionals to maximize returns on idle funds while maintaining seamless liquidity for daily transactions. The feature automatically transfers surplus balances in Maxima Current Accounts into short-term fixed deposits, enabling customers to earn interest on their surplus funds.
The sweep-out process is triggered every Monday when the account balance exceeds ₹4 lakhs, with the excess amount being transferred into a fixed deposit with a tenure of 180 days. Customers can also set a custom threshold based on their business requirements. The intelligent sweep-in mechanism allows for partial liquidation of linked deposits in case of a shortfall in the account balance, without any foreclosure penalties.
The fixed deposits created through this feature carry an interest rate of 6% p.a. for a tenure of 180 days, which may be revised in the future. This feature is in line with Reserve Bank of India regulations, giving customers full control over their cash flow. Standard regulatory norms, including TDS, apply to these deposits.
According to Hitendra Jha, Head of Retail Liabilities at Ujjivan SFB, the Ujjivan Sweep Smart feature enables customers to earn more on idle balances while keeping their funds fully accessible. This feature reflects the bank’s commitment to customer-centric innovation and smarter fund management, tailored for today’s dynamic and digitally driven businesses.
The Ujjivan Sweep Smart feature is now available to new eligible Maxima Current Account holders, who can activate the service by contacting their relationship managers or visiting their nearest Ujjivan SFB branch. This innovative feature is expected to benefit businesses and professionals by providing them with a powerful combination of liquidity and returns, helping them to manage their funds more effectively. With this feature, Ujjivan SFB aims to provide its customers with a competitive edge in managing their finances.
Ujjivan Small Finance Bank Introduces ‘Ujjivan Rewardz’ Program Exclusively for Residential Savings Account Customers
Ujjivan Small Finance Bank Limited has introduced a new program called “Ujjivan Rewardz” specifically designed for its resident savings account holders. The program is aimed at rewarding customers for their loyalty and encouraging them to continue banking with Ujjivan. Through this initiative, the bank seeks to strengthen its relationship with its customers and provide them with a unique banking experience.
Under the Ujjivan Rewardz program, resident savings account holders can earn reward points for various transactions and activities conducted through their accounts. These points can be redeemed for a range of benefits, including cashback, discounts, and exclusive offers on products and services from partner merchants. The rewards are designed to cater to diverse customer preferences, ensuring that everyone can benefit from the program.
The program is structured to reward customers for their daily banking activities, such as maintaining a minimum balance, using debit cards for transactions, paying bills online, and referring friends and family to open accounts with Ujjivan. For every transaction or activity, customers earn a certain number of reward points, which are accumulated in their Ujjivan Rewardz account. These points can be tracked and redeemed through the bank’s mobile banking app or website, making it convenient for customers to manage their rewards.
Ujjivan Small Finance Bank has partnered with several leading brands across categories such as retail, dining, entertainment, and lifestyle to offer exclusive discounts and cashback to its customers through the Ujjivan Rewardz program. This collaboration enhances the value proposition of the program, providing customers with a wide array of redemption options that suit their interests and preferences.
The launch of Ujjivan Rewardz is a strategic move by the bank to enhance customer engagement and retention. By offering tangible rewards and benefits, Ujjivan aims to foster a loyal customer base that appreciates the value added by the bank beyond traditional banking services. The program also reflects the bank’s commitment to innovation and customer satisfaction, aligning with its mission to provide accessible and affordable financial services to all segments of society.
Overall, the Ujjivan Rewardz program is an innovative initiative that not only rewards customers for their loyalty but also encourages them to adopt digital banking channels and maintain a healthy banking habit. As Ujjivan Small Finance Bank continues to expand its services and outreach, programs like Ujjivan Rewardz play a critical role in building strong, lasting relationships with its customers.
Empowering financially excluded communities through voice-enabled banking solutions designed for India’s low-literacy populations
India has an estimated 18 crore people who struggle to read and write in their native languages, despite high smartphone penetration. To bridge this gap, banks, startups, and government organizations are leveraging voice-based technology and Artificial Intelligence (AI). The central government’s New India Literacy Programme aims to target five crore non-literate individuals, while the Reserve Bank of India (RBI) has issued guidelines for setting up Financial Literacy Centres. However, voice-based technology has emerged as a more effective solution, particularly for the aspirational middle class.
Ujjivan, a microfinance company, partnered with Navana.ai to develop a voice-based app that uses icon-based interfaces and voice guidance to make it easy for low-literate customers to navigate. The app, launched in 2022, supports nine languages and has seen significant improvement in customer engagement. Customers can now log in to the app one to two times a month, compared to once every six months. The app’s voice-bot feature allows customers to speak into the app, and it comprehends their requests, guiding them to the relevant page.
The Indian government has also launched an AI-based translation platform, Bhashini, which enables real-time translation across 11 regional languages. The platform is being used for voice-based UPI payments, allowing users to transfer money by speaking in their local language. Bhashini has collaborated with the National Payments Corporation of India (NPCI) to enable voice-based UPI transactions and has also launched a Public Tech Platform for Frictionless Credit, which supports multiple languages.
The future of voice-first banking is promising, with industry leaders agreeing that it is breaking new ground. Bank outreach programs are evolving with AI-powered IVRS systems, which can recognize and respond in a customer’s regional language. Navana.ai has partnered with Bajaj Finserv, where its bot speaks six languages and closes Rs 150 crore in personal loans monthly. Large banks, such as HDFC, are also taking notice, with plans to enable voice in their mobile apps.
Voice-based banking services are expected to be highly personalized to the user, in terms of both their history with the business and interaction in their regional language. While testing remains a hurdle, adoption is expected to increase as the technology advances. For India’s low-literate customers, voice-based banking could finally mean having a voice in the banking system. The holy grail of full-fledged voice banking is not far off, with operators saying it’s only a matter of time before natural conversations in regional languages are fully integrated across all banking channels.
Ujjivan Small Finance Bank to announce Q4 2025 results on [date] at [time], with Bengaluru-based lender setting the stage for its quarterly earnings release – MSN
Ujjivan Small Finance Bank, a private lender based in Bengaluru, has announced its quarterly earnings schedule for Q4 2025. According to the announcement, the bank will be releasing its fourth-quarter financial results for the period ending December 31, 2025, on a specific date and time.
Date: [To be updated]
Time: [To be updated]
The earnings release will provide insights into the bank’s financial performance for the quarter, including its income, expenditure, and profits. The results will be made available on the bank’s website, where investors and stakeholders can access them.
Ujjivan Small Finance Bank is one of the prominent small finance banks in the country, focused on serving the financial needs of underserved and underbanked communities. The bank has been expanding its operations, growing its asset base, and increasing its reach across the country.
The Q4 2025 results will provide investors and analysts with valuable information about the bank’s performance during the quarter, including its key metrics such as:
1. Net interest income (NII): The bank’s earnings from its lending activities.
2. Net interest margin (NIM): The bank’s ability to generate profits from its lending activities.
3. Non-interest income (NII): The bank’s earnings from non-lending activities such as fees, commissions, and other sources.
4. Operating profit: The bank’s profitability before taxes.
5. Net profit: The bank’s profitability after taxes.
6. Asset quality: The bank’s exposure to bad debts and non-performing assets (NPAs).
7. Capital adequacy: The bank’s ability to maintain sufficient capital to support its lending activities.
Stakeholders can expect the Q4 2025 results to provide insights into the bank’s performance during the quarter, which can help them make informed investment decisions. The results will be closely watched by the financial communities,investors, and analysts, who track the bank’s performance to gauge its growth prospects, risk appetite, and overall financial health.
Ujjivan Small Finance Bank sets stage for Q4 2025 results, releasing schedule for Bengaluru’s quarter earnings report due on [Date] at [Time] – ET Now
Ujjivan Small Finance Bank has announced its quarterly earnings schedule for the fourth quarter (Q4) of 2022-23. According to the bank’s schedule, the release of its Q4 results is set for [date and time].
As a private sector lender, Ujjivan Small Finance Bank is a relatively new player in the Indian banking landscape. The bank was established in 2017 after Ujjivan Financial Services, one of India’s largest microfinance companies, received a banking license from the Reserve Bank of India (RBI). Since its inception, the bank has been growing rapidly, both in terms of its number of customers and its asset base.
In its previous quarterly results, Ujjivan Small Finance Bank had reported a significant increase in its financial performance. For instance, in its third quarter (Q3) results, the bank had reported a 53.6% year-on-year (YoY) growth in its net interest income (NII) and a 123.8% YoY growth in its net profit. The bank’s total income had also surged 64.3% YoY to ₹1,353.5 crore in Q3.
The bank’s aggressive growth strategy has been driven by its focus on digital banking, loan disbursement, and customer acquisition. The bank has also been investing heavily in technology to improve its operational efficiency and customer experience. Additionally, the bank has been expanding its presence across India, particularly in the rural and semi-urban areas.
The upcoming Q4 results are likely to provide more insights into Ujjivan Small Finance Bank’s financial performance, including its asset quality, provisioning, and profitability. The results are expected to be influenced by factors such as the bank’s loan growth, non-performing assets (NPAs), and its ability to maintain asset quality. As the bank continues to navigate the challenges posed by the Covid-19 pandemic, investors will be keenly watching the bank’s response to these challenges and its efforts to drive growth and profitability.
Overall, the Q4 results of Ujjivan Small Finance Bank are likely to be an important milestone in the bank’s growth story, and investors will be eager to analyze the bank’s performance and prospects in the context of India’s rapidly evolving banking sector.
Senior citizens can earn attractive returns on their savings with small finance banks Suryoday, Unity, and North East, offering a competitive rate of 9.1% per annum on 5-year fixed deposits
Retirees often rely on passive income to maintain their lifestyle after retirement, and they typically seek investment options that balance return potential with minimal risk. One popular choice is bank fixed deposits (FDs), which are perceived as stable and offer consistent interest income. For senior citizens, the tax implications of FDs are often favorable, with many falling into lower tax brackets and incurring minimal or no tax liability. Small finance banks have emerged as attractive alternatives to traditional banks, offering higher interest rates on FDs to attract deposits and expand their customer base. Since small finance banks have a greater need for funds to support their growth and lending strategies, they can offer more competitive interest rates due to their lower operational costs and commitment to financial inclusion.
The Deposit Insurance and Credit Guarantee Corporation (DICGC), a subsidiary of the Reserve Bank of India, guarantees fixed deposit investments up to ₹5 lakh, providing an additional layer of security. For resident Indians over 60 years of age looking to invest up to ₹1 crore in five-year fixed deposits, here are the top small finance banks that offer better interest rate options, as of March 26, 2025. Some of the best FD rates for senior citizens can be found at small finance banks such as Suryoday Small Finance Bank (6.5% to 6.75% annual interest rate), Ujjivan Small Finance Bank (6.4% to 6.7% annual interest rate), and Equitas Small Finance Bank (6.4% to 6.7% annual interest rate).
As the lucrative bank IPO market of the past decade saw IDFC First, Bandhan, RBL, Ujjivan, and Suryoday venture forth, the quest for the next HDFC Bank giant proves to be a reverse, with none managing to replicate its spectacular success.
The article highlights the struggles of banking stocks, particularly private banks that listed in the last decade. Despite being seen as having growth potential, many of these banks have underperformed the market, leading to significant losses for investors who tried to identify the “next HDFC Bank”. Out of 13 private bank IPOs in the last decade, only 2 have posted positive returns since their IPO, and none have beaten the index. Even larger banks, such as Federal Bank, have only managed to keep pace with the Nifty Bank index, with a CAGR of 10%.
The article suggests that “fortune favors scale”, implying that larger banks are more likely to perform well over the long-term. This is reflected in the Nifty Bank index, where the top 5 constituents (HDFC Bank, SBI, ICICI Bank, Axis Bank, and Kotak Mahindra Bank) account for 86.5% of the combined market capitalization of all Nifty Bank constituents, up from 17.5% in 2015.
The article concludes that investors would be better off buying the index rather than trying to pick individual stocks in the banking sector. This is a decade-long lesson learned, with many investors having lost money trying to identify the next high-performing bank. As legendary investor John Bogle once said, “Don’t look for a needle in the haystack. Just buy the haystack.” This piece of advice may be particularly relevant for long-term investors who are not sure how to pick stocks in the banking sector.
Experience high-yield savings: Earn up to 9% interest on your fixed deposits with top small finance banks!
Fixed deposits (FDs) are a popular investment option for those seeking reliable, long-term returns. Small finance banks in India are offering interest rates as high as 9% for certain tenures, making them an attractive option for conservative investors who prefer to minimize risk. Here are the latest FD rates offered by small finance banks:
Some banks, such as Unity Small Finance Bank, are offering FD rates above 9% for senior citizens, with a term of 1001 days and above. For general citizens, the highest rate is 8.6%. North East Small Finance Bank is offering 9% interest on FDs for 18 months to 36 months for both general and senior citizens. Utkarsh Small Finance Bank is offering 8.5% interest on FDs for 1,500 days or two to three years, while Suryoday Small Finance Bank is offering 8.6% interest for 5-year fixed deposits.
Other small finance banks, such as ESAF, Jana, Equitas, AU, and Ujjivan, are offering FD rates above 8%. These rates are applicable for various tenures, including 1 year, 1.5 years, 2 years, and 3 years. For example, Jana Small Finance Bank is offering 8.25% interest for 1-3 year fixed deposits, while Equitas Small Finance Bank is offering 8.25% interest for 888-day fixed deposits.
These rates are subject to change, so it’s essential for investors to check the current rates before investing. Fixed deposits are a great option for those who prefer a low-risk investment with predictable returns. With rates above 9% from some small finance banks, investors have a range of options to choose from, making it an attractive time to consider investing in fixed deposits.
Unlock Higher Interest: Top Small Finance Banks Offering Fixed Deposit Rates of Up to 9%! Find the Best Options Here – MSN
The article discusses the highest fixed deposit (FD) rates offered by small finance banks in India, which are often referred to as “small finance banks” or “NBFCs” (non-banking financial companies). These banks are allowed to operate as banks but are subject to fewer regulations than traditional commercial banks.
The article provides a list of small finance banks that are offering attractive FD rates, with some offering as high as 9% per annum. Here are some of the top players:
1. Jana Small Finance Bank: Offers 8.50% for deposits up to ₹1 lac and 9.00% for deposits above ₹1 lac.
2. Ujjivan Small Finance Bank: Offers 8.25% for deposits up to ₹1 lac and 8.75% for deposits above ₹1 lac.
3. Equitas Small Finance Bank: Offers 8.25% for deposits up to ₹1 lac and 8.75% for deposits above ₹1 lac.
4. Muthoot Homefin: Offers 8.20% for deposits up to ₹1 lac and 8.80% for deposits above ₹1 lac.
5. Bajaj Finance FD: Offers 8.15% for deposits up to ₹1 lac and 8.75% for deposits above ₹1 lac.
6. Fullerton India: Offers 8.10% for deposits up to ₹1 lac and 8.70% for deposits above ₹1 lac.
7. Arohan Finance: Offers 8.00% for deposits up to ₹1 lac and 8.60% for deposits above ₹1 lac.
8. Suryoday Small Finance Bank: Offers 7.95% for deposits up to ₹1 lac and 8.55% for deposits above ₹1 lac.
9. Aditya Birla Sun Life Savings Fund: Offers 7.90% for deposits up to ₹1 lac and 8.50% for deposits above ₹1 lac.
These rates are subject to change, and individuals are advised to check the banks’ websites or visit their branches for the latest rates and terms and conditions. The article concludes by emphasizing the importance of reviewing and comparing the interest rates offered by different banks before making a decision on which one to choose.
Overall, the article provides a comprehensive list of small finance banks offering attractive FD rates, which can help individuals make an informed decision about their savings and investment options.
Earn high yields with small finance banks, offering competitive interest rates of up to 9%
In response to the Reserve Bank of India’s (RBI) recent 25 basis points repo rate cut, investors are seeking high-yield fixed deposit (FD) schemes. Small finance banks have emerged as a promising option, offering interest rates as high as 9% per annum for specific tenures. Small finance banks are a category of banks established by the RBI to promote financial inclusion, providing essential banking services to underserved segments of society, such as small farmers, micro-businesses, and unorganized sector workers.
Some of the small finance banks offering high-yield FDs include Unity Small Finance Bank, NorthEast Small Finance Bank, Suryoday Small Finance Bank, Utkarsh Small Finance Bank, Jana Small Finance Bank, and Ujjivan Small Finance Bank. These banks offer a range of FD schemes with interest rates varying between 7% to 9% per annum, depending on the tenure.
It’s essential to note that small finance bank FDs are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to Rs 5 lakh per depositor. Experts recommend keeping deposits within this insured limit for maximum safety. While small finance banks offer higher interest rates, they operate differently from larger commercial banks, emphasizing the importance of risk management for investors.
In conclusion, small finance banks have emerged as a viable option for investors seeking high-yield FDs. However, it’s crucial to carefully evaluate the risk factors and consider the DICGC insurance limit to ensure maximum safety. With interest rates ranging from 7% to 9% per annum, small finance banks may be an attractive option for investors seeking sustenance and growth.
Searching for competitive returns? Consider these small finance banks offering up to 9% interest rates
In the wake of the Reserve Bank of India’s recent 25-basis-point repo rate cut, investors are actively seeking fixed deposit (FD) schemes with attractive returns. Small finance banks, established to promote financial inclusion, are now offering interest rates as high as 9% per annum for specific tenures.
Small finance banks are a unique category of banks set up by the RBI to bridge the gap in access to banking services for small farmers, micro-businesses, and workers in the unorganized sector. These banks offer a range of fixed deposit schemes, with some offering interest rates as high as 9% per annum. For instance, Unity Small Finance Bank offers 9% for a 1001-day FD, while NorthEast Small Finance Bank offers 9% for deposits between 18 months and 36 months.
Other small finance banks, such as Suryoday, Utkarsh, Jana, and Ujjivan, offer interest rates ranging from 8.1% to 8.5% per annum for deposits ranging from one to five years. AU Small Finance Bank offers 8.1% for an 18-month FD and 7.25% for a one-year FD.
While small finance banks offer higher interest rates, it’s essential to note that deposits up to Rs 5 lakh per depositor are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC). However, financial experts recommend keeping deposits within this insured limit for maximum safety. As these small finance banks operate differently from larger commercial banks, risk management is crucial for investors.
Overall, small finance banks’ FD schemes can be a viable option for investors seeking attractive returns, but it’s important to consider the associated risks and ensure that deposits are within the insured limit to ensure maximum safety.