Latest News on Ujjivan Small Finance Bank
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).
Stock Market Updates of Ujjivan Small Finance Bank
Recent Updates
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.