Ujjivan Small Finance Bank Q4 profit decay 75% to ₹83 crore, shares down 3%

Ujjivan Small Finance Bank (SFB) on Wednesday reported that its net profit for the three months ended March 2025 fell 75% to ₹83.39 crore, due to higher provisions for bad loans.
The bank had posted a net profit of ₹329.63 crore in the same period a year ago.
Its total income rose to ₹1,843 crore in the January-March quarter of financial year 2024-25 (FY25) from ₹1,765 crore in the same period a year ago, Ujjivan Small Finance Bank said in a regulatory filing.
Total provisions excluding tax rose to ₹264.50 crore in the quarter under review from ₹79 crore in the same quarter a year ago. The bank’s provision coverage ratio stood at 78% at the end of the March 2025 quarter.
The bank’s total expenses excluding provisions rose to ₹1,483 crore from ₹1,246 crore.
On the asset quality front, the bank’s gross non-performing asset ratio increased to 2.18% from 2.23% a year ago. However, net NPA or bad loans increased to 0.49% from 0.28% at the end of the fourth quarter of the previous fiscal.
For the full FY 2024-25, Ujjivan Small Finance Bank’s net profit declined to ₹726 crore from ₹1,281.50 crore last fiscal and total income rose to ₹7,201 crore in FY25 from ₹6,464 crore in FY24.
At 3:28 pm, Ujjivan Small Finance Bank shares are trading down 3.19% at Rs 42.50 on the NSE.