Small Finance Banks Dashboard

Profitability

P&L Metrics · Small Finance Banks · ₹ Crores

₹11,458 Cr

Net Interest Income

Base Year

₹2,707 Cr

Other Income

Base Year

₹8,958 Cr

Operating Expenses

Base Year

₹5,208 Cr

Pre-Provision Profit

Base Year

₹3,799 Cr

Total Provisions

Base Year

₹1,062 Cr

Net Profit After Tax

Base Year

Revenue & Earnings by Bank

Net Interest Income (₹ Cr)

Other Income (₹ Cr)

Operating Expenses (₹ Cr)

Pre-Provision Profit (₹ Cr)

Total Provisions (₹ Cr)

Net Profit / PAT (₹ Cr)

₹15,752 Cr

Net Interest Income

37.5% vs FY22

₹3,623 Cr

Other Income

33.8% vs FY22

₹11,515 Cr

Operating Expenses

28.5% vs FY22

₹7,860 Cr

Pre-Provision Profit

50.9% vs FY22

₹2,346 Cr

Total Provisions

-38.3% vs FY22

₹4,226 Cr

Net Profit After Tax

297.8% vs FY22

Revenue & Earnings by Bank

Net Interest Income (₹ Cr)

Other Income (₹ Cr)

Operating Expenses (₹ Cr)

Pre-Provision Profit (₹ Cr)

Total Provisions (₹ Cr)

Net Profit / PAT (₹ Cr)

₹19,332 Cr

Net Interest Income

22.7% vs FY23

₹5,132 Cr

Other Income

41.7% vs FY23

₹14,697 Cr

Operating Expenses

27.6% vs FY23

₹9,767 Cr

Pre-Provision Profit

24.3% vs FY23

₹2,750 Cr

Total Provisions

17.2% vs FY23

₹5,685 Cr

Net Profit After Tax

34.5% vs FY23

Revenue & Earnings by Bank

Net Interest Income (₹ Cr)

Other Income (₹ Cr)

Operating Expenses (₹ Cr)

Pre-Provision Profit (₹ Cr)

Total Provisions (₹ Cr)

Net Profit / PAT (₹ Cr)

₹22,794 Cr

Net Interest Income

17.9% vs FY24

₹6,468 Cr

Other Income

26.0% vs FY24

₹18,286 Cr

Operating Expenses

24.4% vs FY24

₹10,976 Cr

Pre-Provision Profit

12.4% vs FY24

₹6,911 Cr

Total Provisions

151.3% vs FY24

₹3,180 Cr

Net Profit After Tax

-44.1% vs FY24

Revenue & Earnings by Bank

Net Interest Income (₹ Cr)

Other Income (₹ Cr)

Operating Expenses (₹ Cr)

Pre-Provision Profit (₹ Cr)

Total Provisions (₹ Cr)

Net Profit / PAT (₹ Cr)

₹23,709 Cr

Net Interest Income

4.0% vs FY25

₹7,881 Cr

Other Income

21.8% vs FY25

₹20,982 Cr

Operating Expenses

14.7% vs FY25

₹10,608 Cr

Pre-Provision Profit

-3.3% vs FY25

₹7,124 Cr

Total Provisions

3.1% vs FY25

₹2,730 Cr

Net Profit After Tax

-14.2% vs FY25

Revenue & Earnings by Bank

Net Interest Income (₹ Cr)

Other Income (₹ Cr)

Operating Expenses (₹ Cr)

Pre-Provision Profit (₹ Cr)

Total Provisions (₹ Cr)

Net Profit / PAT (₹ Cr)

COMPARATIVE ANALYSIS · ALL SMALL FINANCE BANKS

Income Statement

₹ Crores

Particulars	AU SFB	Capital SFB	ESAF SFB	Jana SFB	Equitas SFB	Ujjivan SFB	Utkarsh SFB	Suryoday SFB
Interest / Discount on Advances	₹15,711.1	₹826.1	₹3,117.0	₹4,826.0	₹5,971.0	₹6,077.5	₹2,845.8	₹1,893.6
Income on Investments	₹2,647.2	₹130.9	₹410.6	₹490.6	₹661.0	₹830.3	₹401.7	₹214.3
Interest on Bal with RBI & Other Banks	₹92.6	₹89.1	₹0.0	₹45.8	₹162.2	₹16.0	₹131.3	₹47.7
Others	₹185.5	₹2.4	₹0.0	₹12.5	₹0.0	₹7.7	₹0.0	₹4.7
Total Interest Income	₹18,636.3	₹1,048.6	₹3,527.6	₹5,375.0	₹6,794.2	₹6,931.4	₹3,378.8	₹2,160.3
Other Income	₹2,977.9	₹98.3	₹811.1	₹1,021.9	₹1,073.5	₹1,107.5	₹431.0	₹359.7
Total Interest Expense	₹9,523.7	₹587.2	₹1,845.2	₹2,759.7	₹3,403.1	₹3,060.4	₹1,902.0	₹1,061.6
Net Interest Income (NII)	₹9,112.7	₹461.4	₹1,682.5	₹2,615.2	₹3,391.2	₹3,871.0	₹1,476.7	₹1,098.7
Employee Cost	₹3,848.2	₹182.3	₹692.8	₹1,460.2	₹1,964.1	₹1,791.0	₹948.0	₹512.5
Other Administrative Expenses	₹3,153.7	₹163.9	₹1,098.3	₹989.1	₹1,235.7	₹1,477.4	₹903.4	₹561.8
Total Operating Expenses (OPEX)	₹7,001.9	₹346.2	₹1,791.1	₹2,449.4	₹3,199.7	₹3,268.4	₹1,851.4	₹1,074.3
Pre-Provision Operating Profit (PPOP)	₹5,088.8	₹213.5	₹702.4	₹1,187.8	₹1,265.0	₹1,710.1	₹56.3	₹384.1
Total Provisions	₹1,614.7	₹24.7	₹940.4	₹861.3	₹1,136.8	₹799.1	₹1,563.0	₹184.5
Exceptional Items	₹0.0	₹0.0	₹0.0	₹0.0	₹0.0	₹0.0	₹0.0	₹0.0
Profit Before Tax (PBT)	₹3,474.0	₹188.8	(₹237.9)	₹326.4	₹128.1	₹911.0	(₹1,506.6)	₹199.6
Income Tax	₹832.8	₹47.4	(₹62.0)	₹0.0	₹25.1	₹218.4	(₹355.6)	₹47.6
Profit After Tax (PAT)	₹2,641.3	₹141.4	(₹175.9)	₹326.4	₹103.1	₹692.6	(₹1,151.0)	₹152.0

Cost Ratios as % to Total Interest Income

Particulars	AU SFB	Capital SFB	ESAF SFB	Jana SFB	Equitas SFB	Ujjivan SFB	Utkarsh SFB	Suryoday SFB
Interest / Discount on Advances	84.3%	78.8%	88.4%	89.8%	87.9%	87.7%	84.2%	87.7%
Income on Investments	14.2%	12.5%	11.6%	9.1%	9.7%	12.0%	11.9%	9.9%
Interest on Bal with RBI & Other Banks	0.5%	8.5%	0.0%	0.9%	2.4%	0.2%	3.9%	2.2%
Others	1.0%	0.2%	0.0%	0.2%	0.0%	0.1%	0.0%	0.2%
Other Income	16.0%	9.4%	23.0%	19.0%	15.8%	16.0%	12.8%	16.6%
Total Interest Expense	51.1%	56.0%	52.3%	51.3%	50.1%	44.2%	56.3%	49.1%
Net Interest Income (NII)	48.9%	44.0%	47.7%	48.7%	49.9%	55.8%	43.7%	50.9%
Employee Cost	20.6%	17.4%	19.6%	27.2%	28.9%	25.8%	28.1%	23.7%
Other Administrative Expenses	16.9%	15.6%	31.1%	18.4%	18.2%	21.3%	26.7%	26.0%
Total Operating Expenses (OPEX)	37.6%	33.0%	50.8%	45.6%	47.1%	47.2%	54.8%	49.7%
Pre-Provision Operating Profit (PPOP)	27.3%	20.4%	19.9%	22.1%	18.6%	24.7%	1.7%	17.8%
Total Provisions	8.7%	2.4%	26.7%	16.0%	16.7%	11.5%	46.3%	8.5%
Profit Before Tax (PBT)	18.6%	18.0%	(6.7%)	6.1%	1.9%	13.1%	(44.6%)	9.2%
Income Tax	4.5%	4.5%	(1.8%)	0.0%	0.4%	3.2%	(10.5%)	2.2%
Profit After Tax (PAT)	14.2%	13.5%	(5.0%)	6.1%	1.5%	10.0%	(34.1%)	7.0%

Asset Quality

NPA Metrics · Small Finance Banks · % unless noted

₹6,115 Cr

Total Gross NPA

Base Year

₹2,362 Cr

Total Net NPA

Base Year

4.66%

GNPA % (Sector)

Base Year

1.86%

NNPA % (Sector)

Base Year

61.38%

PCR w/o Tech W/off

Base Year

NPA & Asset Quality by Bank

Gross NPA % (GNPA)

Net NPA % (NNPA)

Provision Coverage Ratio %

₹4,173 Cr

Total Gross NPA

-31.8% vs FY22

₹1,410 Cr

Total Net NPA

-40.3% vs FY22

2.47%

GNPA % (Sector)

-219 bps vs FY22

0.87%

NNPA % (Sector)

-99 bps vs FY22

66.21%

PCR w/o Tech W/off

+483 bps vs FY22

NPA & Asset Quality by Bank

Gross NPA % (GNPA)

Net NPA % (NNPA)

Provision Coverage Ratio %

₹4,889 Cr

Total Gross NPA

17.2% vs FY23

₹1,541 Cr

Total Net NPA

9.3% vs FY23

2.29%

GNPA % (Sector)

-18 bps vs FY23

0.76%

NNPA % (Sector)

-11 bps vs FY23

68.47%

PCR w/o Tech W/off

+226 bps vs FY23

NPA & Asset Quality by Bank

Gross NPA % (GNPA)

Net NPA % (NNPA)

Provision Coverage Ratio %

₹9,054 Cr

Total Gross NPA

85.2% vs FY24

₹3,546 Cr

Total Net NPA

130.0% vs FY24

3.45%

GNPA % (Sector)

+116 bps vs FY24

1.39%

NNPA % (Sector)

+63 bps vs FY24

60.84%

PCR w/o Tech W/off

-763 bps vs FY24

NPA & Asset Quality by Bank

Gross NPA % (GNPA)

Net NPA % (NNPA)

Provision Coverage Ratio %

₹9,413 Cr

Total Gross NPA

4.0% vs FY25

₹3,403 Cr

Total Net NPA

-4.0% vs FY25

2.93%

GNPA % (Sector)

-52 bps vs FY25

1.09%

NNPA % (Sector)

-30 bps vs FY25

63.84%

PCR w/o Tech W/off

+300 bps vs FY25

NPA & Asset Quality by Bank

Gross NPA % (GNPA)

Net NPA % (NNPA)

Provision Coverage Ratio %

QUARTERLY NPA MOVEMENT · ALL SMALL FINANCE BANKS

Quarterly GNPA %

Pure Quarters

Bank	FY26				FY25				FY24
Bank	Q4FY26	Q3FY26	Q2FY26	Q1FY26	Q4FY25	Q3FY25	Q2FY25	Q1FY25	Q4FY24	Q3FY24	Q2FY24	Q1FY24
AU SFB	0.74%	2.30%	2.41%	2.47%	2.28%	2.31%	1.98%	1.78%	1.67%	1.98%	1.91%	1.76%
Capital SFB	2.54%	2.68%	2.70%	2.74%	2.58%	2.67%	2.61%	2.69%	2.76%	2.97%	2.73%	2.81%
ESAF SFB	5.41%	5.64%	8.54%	7.48%	6.87%	6.96%	6.98%	6.61%	4.76%	4.16%	2.64%	1.65%
Jana SFB	2.46%	2.59%	2.87%	2.91%	2.71%	2.80%	2.97%	2.62%	2.11%	2.19%	2.44%	2.94%
Equitas SFB	2.60%	2.75%	2.92%	2.92%	2.89%	2.97%	2.95%	2.73%	2.61%	2.53%	2.27%	2.75%
Ujjivan SFB	2.26%	2.38%	2.45%	2.52%	2.18%	2.68%	2.52%	2.52%	2.23%	2.18%	2.35%	2.62%
Utkarsh SFB	3.75%	3.23%	6.17%	9.43%	—	—	—	—	—	—	—	—
Suryoday SFB	6.55%	6.69%	5.93%	8.46%	7.16%	5.53%	3.03%	2.84%	2.94%	3.06%	2.90%	3.04%

Quarterly NNPA %

Pure Quarters

Bank	FY26				FY25				FY24
Bank	Q4FY26	Q3FY26	Q2FY26	Q1FY26	Q4FY25	Q3FY25	Q2FY25	Q1FY25	Q4FY24	Q3FY24	Q2FY24	Q1FY24
AU SFB	0.45%	0.88%	0.88%	0.88%	0.74%	0.91%	0.75%	0.63%	0.55%	0.68%	0.60%	0.55%
Capital SFB	1.24%	1.35%	1.38%	1.39%	1.30%	1.35%	1.29%	1.35%	1.40%	1.53%	1.36%	1.37%
ESAF SFB	1.77%	2.73%	3.80%	3.77%	2.99%	2.97%	2.98%	3.22%	2.26%	2.19%	1.19%	0.81%
Equitas SFB	0.72%	0.92%	0.98%	0.98%	0.98%	0.96%	0.97%	0.83%	1.17%	1.13%	0.97%	1.18%
Jana SFB	1.26%	0.94%	0.94%	0.94%	0.94%	0.94%	0.99%	0.99%	0.56%	0.71%	0.87%	1.19%
Ujjivan SFB	0.43%	0.37%	0.67%	0.70%	0.49%	0.56%	0.56%	0.41%	0.28%	0.17%	0.09%	0.06%
Utkarsh SFB	1.33%	0.39%	2.50%	4.84%	—	—	—	—	—	—	—	—
Suryoday SFB	4.21%	4.35%	3.80%	5.64%	4.58%	3.13%	0.80%	0.47%	0.86%	1.42%	1.46%	1.63%

PCR without Tech W/off (%)

Pure Quarters

Bank	FY26				FY25				FY24
Bank	Q4FY26	Q3FY26	Q2FY26	Q1FY26	Q4FY25	Q3FY25	Q2FY25	Q1FY25	Q4FY24	Q3FY24	Q2FY24	Q1FY24
AU SFB	64.1%	62.1%	64.2%	64.7%	68.1%	61.2%	62.8%	65.1%	67.6%	66.0%	69.1%	69.0%
Capital SFB	51.9%	50.5%	49.6%	50.2%	50.4%	50.3%	51.3%	50.6%	50.0%	49.1%	51.0%	51.9%
ESAF SFB	68.5%	53.0%	57.4%	51.5%	58.2%	59.1%	59.0%	53.0%	53.7%	48.4%	55.5%	51.3%
Equitas SFB	73.0%	67.1%	66.9%	67.0%	66.8%	68.3%	67.7%	70.3%	56.1%	56.0%	57.7%	57.8%
Jana SFB	63.1%	64.4%	67.8%	68.2%	66.1%	66.9%	67.2%	62.7%	73.7%	67.9%	64.9%	60.1%
Ujjivan SFB	81.4%	76.3%	73.3%	72.9%	78.1%	79.7%	78.1%	84.0%	87.5%	92.5%	96.3%	97.9%
Utkarsh SFB	65.4%	88.2%	61.1%	51.2%	—	—	—	—	—	—	—	—
Suryoday SFB	37.3%	36.6%	37.3%	35.4%	37.7%	44.7%	74.3%	83.9%	71.2%	54.3%	50.5%	47.3%

Quarterly GNPA Movement

₹ Crores

Bank	FY26				FY25				FY24
Bank	Q4FY26	Q3FY26	Q2FY26	Q1FY26	Q4FY25	Q3FY25	Q2FY25	Q1FY25	Q4FY24	Q3FY24	Q2FY24	Q1FY24
AU SFB	₹2,756	₹2,881	₹2,835	₹2,751	₹2,477	₹2,336	₹1,902	₹1,613	₹1,237	₹1,340	₹1,245	₹1,121
Capital SFB	₹220	₹219	₹213	₹204	₹185	₹182	₹175	₹172	₹170	₹170	₹160	₹155
ESAF SFB	₹1,214	₹1,166	₹1,635	₹1,364	₹1,291	₹1,274	₹1,279	₹1,242	₹893	₹713	₹399	₹238
Equitas SFB	₹1,135	₹1,116	₹1,082	₹1,036	₹1,068	₹1,072	₹1,023	₹889	₹821	₹750	₹660	₹770
Jana SFB	₹847	₹829	₹871	₹825	₹750	₹758	₹755	₹646	₹494	₹487	₹521	₹553
Ujjivan SFB	₹917	₹879	₹843	₹834	₹696	₹811	₹750	₹697	₹613	₹571	₹586	₹597
Utkarsh SFB	₹1,460	₹1,986	₹2,276	₹2,196	₹1,854	₹1,177	₹719	₹476	₹418	₹464	₹404	₹431
Suryoday SFB	₹864	₹790	₹655	₹918	₹734	₹529	₹273	₹241	₹242	₹223	₹198	₹191

Quarterly NNPA Movement

₹ Crores

Bank	FY26				FY25				FY24
Bank	Q4FY26	Q3FY26	Q2FY26	Q1FY26	Q4FY25	Q3FY25	Q2FY25	Q1FY25	Q4FY24	Q3FY24	Q2FY24	Q1FY24
AU SFB	₹990	₹1,091	₹1,016	₹971	₹791	₹906	₹707	₹563	₹401	₹456	₹385	₹347
Capital SFB	₹106	₹108	₹107	₹102	₹92	₹91	₹85	₹85	₹85	₹86	₹79	₹74
ESAF SFB	₹382	₹548	₹696	₹661	₹540	₹520	₹525	₹584	₹414	₹368	₹178	₹116
Equitas SFB	₹306	₹367	₹358	₹342	₹354	₹340	₹330	₹264	₹361	₹330	₹279	₹325
Jana SFB	₹313	₹295	₹281	₹263	₹254	₹251	₹247	₹241	₹130	₹156	₹183	₹221
Ujjivan SFB	₹170	₹208	₹225	₹226	₹152	₹165	₹164	₹111	₹76	₹43	₹22	₹13
Utkarsh SFB	₹594	₹751	₹848	₹897	₹905	₹458	₹160	₹43	₹4	₹29	₹22	₹44
Suryoday SFB	₹542	₹501	₹411	₹593	₹457	₹292	₹70	₹39	₹70	₹102	₹98	₹101

Balance Sheet

Assets & Liabilities · Small Finance Banks · ₹ Crores

₹136,153 Cr

Total Deposits

Base Year

₹45,946 Cr

Total CASA Deposits

Base Year

33.75%

CASA Ratio

Base Year

₹126,705 Cr

Total Net Advances

Base Year

₹20,175 Cr

Total Networth

Base Year

₹187,924 Cr

Total Assets

Base Year

Balance Sheet by Bank

Deposits (₹ Cr)

CASA Ratio %

Gross Advances (₹ Cr)

Net Advances (₹ Cr)

Networth (₹ Cr)

Total Assets (₹ Cr)

₹176,721 Cr

Total Deposits

29.8% vs FY22

₹57,072 Cr

Total CASA Deposits

24.2% vs FY22

32.30%

CASA Ratio

-145 bps vs FY22

₹161,706 Cr

Total Net Advances

27.6% vs FY22

₹27,281 Cr

Total Networth

35.2% vs FY22

₹241,328 Cr

Total Assets

28.4% vs FY22

Balance Sheet by Bank

Deposits (₹ Cr)

CASA Ratio %

Gross Advances (₹ Cr)

Net Advances (₹ Cr)

Networth (₹ Cr)

Total Assets (₹ Cr)

₹229,940 Cr

Total Deposits

30.1% vs FY23

₹65,974 Cr

Total CASA Deposits

15.6% vs FY23

28.69%

CASA Ratio

-360 bps vs FY23

₹202,932 Cr

Total Net Advances

25.5% vs FY23

₹35,287 Cr

Total Networth

29.4% vs FY23

₹299,524 Cr

Total Assets

24.1% vs FY23

Balance Sheet by Bank

Deposits (₹ Cr)

CASA Ratio %

Gross Advances (₹ Cr)

Net Advances (₹ Cr)

Networth (₹ Cr)

Total Assets (₹ Cr)

₹297,870 Cr

Total Deposits

29.5% vs FY24

₹79,278 Cr

Total CASA Deposits

20.2% vs FY24

26.61%

CASA Ratio

-208 bps vs FY24

₹255,656 Cr

Total Net Advances

26.0% vs FY24

₹40,436 Cr

Total Networth

14.6% vs FY24

₹377,862 Cr

Total Assets

26.2% vs FY24

Balance Sheet by Bank

Deposits (₹ Cr)

CASA Ratio %

Gross Advances (₹ Cr)

Net Advances (₹ Cr)

Networth (₹ Cr)

Total Assets (₹ Cr)

₹352,163 Cr

Total Deposits

18.2% vs FY25

₹91,637 Cr

Total CASA Deposits

15.6% vs FY25

26.02%

CASA Ratio

-59 bps vs FY25

₹311,730 Cr

Total Net Advances

21.9% vs FY25

₹43,772 Cr

Total Networth

8.2% vs FY25

₹449,162 Cr

Total Assets

18.9% vs FY25

Balance Sheet by Bank

Deposits (₹ Cr)

CASA Ratio %

Gross Advances (₹ Cr)

Net Advances (₹ Cr)

Networth (₹ Cr)

Total Assets (₹ Cr)

BALANCE SHEET · COMPARATIVE ANALYSIS · ALL SMALL FINANCE BANKS

Key Fundamentals

₹ Crores

Particulars	FY26								FY25								FY24								FY23								FY22
Particulars	AU SFB	Capital SFB	ESAF SFB	Jana SFB	Equitas SFB	Ujjivan SFB	Utkarsh SFB	Suryoday SFB	AU SFB	Capital SFB	ESAF SFB	Jana SFB	Equitas SFB	Ujjivan SFB	Utkarsh SFB	Suryoday SFB	AU SFB	Capital SFB	ESAF SFB	Jana SFB	Equitas SFB	Ujjivan SFB	Utkarsh SFB	Suryoday SFB	AU SFB	Capital SFB	ESAF SFB	Jana SFB	Equitas SFB	Ujjivan SFB	Utkarsh SFB	Suryoday SFB	AU SFB	Capital SFB	ESAF SFB	Jana SFB	Equitas SFB	Ujjivan SFB	Utkarsh SFB	Suryoday SFB
Deposits	₹152,661	₹10,018	₹25,850	₹35,784	₹46,533	₹45,668	₹21,654	₹13,994	₹124,269	₹8,323	₹23,276	₹29,120	₹43,107	₹37,630	₹21,566	₹10,580	₹87,182	₹7,478	₹19,868	₹22,571	₹36,129	₹31,462	₹17,473	₹7,777	₹69,365	₹6,561	₹14,666	₹16,334	₹25,381	₹25,538	₹13,710	₹5,167	₹52,585	₹6,046	₹12,815	₹13,536	₹18,951	₹18,292	₹10,074	₹3,854
↳ Deposit Growth YoY	22.8%	20.4%	11.1%	22.9%	7.9%	21.4%	0.4%	32.3%	42.5%	11.3%	17.2%	29.0%	19.3%	19.6%	23.4%	36.0%	25.7%	14.0%	35.5%	38.2%	42.3%	23.2%	27.4%	50.5%	31.9%	8.5%	14.4%	20.7%	33.9%	39.6%	36.1%	34.1%	46.2%	15.8%	42.4%	9.3%	15.6%	39.3%	34.2%	18.4%
CASA Ratio	28.40%	34.74%	23.91%	17.94%	26.21%	25.50%	24.00%	22.60%	29.17%	36.94%	24.84%	17.98%	28.79%	25.54%	21.79%	20.91%	33.41%	38.30%	22.66%	19.70%	31.97%	26.49%	20.50%	20.14%	38.43%	41.88%	21.40%	20.21%	42.28%	26.41%	20.90%	17.11%	37.29%	41.90%	22.84%	22.52%	52.00%	27.30%	22.40%	18.78%
CASA Deposits	₹43,357	₹3,480	₹6,181	₹6,418	₹12,198	₹11,645	₹5,196	₹3,162	₹36,253	₹3,074	₹5,783	₹5,235	₹12,410	₹9,612	₹4,699	₹2,212	₹29,126	₹2,864	₹4,502	₹4,447	₹11,552	₹8,335	₹3,582	₹1,566	₹26,660	₹2,748	₹3,138	₹3,301	₹10,732	₹6,744	₹2,865	₹884	₹19,608	₹2,533	₹2,927	₹3,049	₹9,855	₹4,993	₹2,257	₹724
↳ CASA Growth YoY	19.6%	13.2%	6.9%	22.6%	-1.7%	21.2%	10.6%	42.9%	24.5%	7.3%	28.5%	17.7%	7.4%	15.3%	31.2%	41.3%	9.2%	4.2%	43.5%	34.7%	7.6%	23.6%	25.0%	77.1%	36.0%	8.5%	7.2%	8.3%	8.9%	35.1%	27.0%	22.1%	137.0%	21.1%	67.5%	46.9%	75.5%	85.0%	70.0%	44.0%

Gross Advances	₹136,041	₹8,687	₹22,426	₹34,362	₹46,165	₹40,655	₹19,332	₹13,261	₹108,778	₹7,184	₹18,779	₹27,651	₹37,986	₹32,122	₹19,666	₹10,251	₹73,999	₹6,160	₹18,772	₹23,476	₹34,337	₹29,780	₹18,299	₹8,250	₹59,158	₹5,507	₹14,118	₹18,001	₹27,861	₹24,085	₹13,957	₹6,113	₹46,789	₹4,689	₹12,131	₹13,250	₹20,597	₹18,162	₹10,631	₹5,065
↳ Gross Advances Growth YoY	25.1%	20.9%	19.4%	24.3%	21.5%	26.6%	-1.7%	29.4%	47.0%	16.6%	0.0%	17.8%	10.6%	7.9%	7.5%	24.2%	25.1%	11.9%	33.0%	30.4%	23.2%	23.6%	31.1%	35.0%	26.4%	17.4%	16.4%	35.9%	35.3%	32.6%	31.3%	20.7%	32.3%	24.6%	44.2%	11.8%	14.9%	20.0%	26.3%	20.9%
Gross Credit to Deposit (CD Ratio %)	89.1%	86.7%	86.8%	96.0%	99.2%	89.0%	89.3%	94.8%	87.5%	86.3%	80.7%	95.0%	88.1%	85.4%	91.2%	96.9%	84.9%	82.4%	94.5%	104.0%	95.0%	94.7%	104.7%	106.1%	85.3%	83.9%	96.3%	110.2%	109.8%	94.3%	101.8%	118.3%	89.0%	77.6%	94.7%	97.9%	108.7%	99.3%	105.5%	131.4%
Net Advances	₹134,276	₹8,572	₹21,594	₹33,828	₹42,751	₹39,761	₹18,070	₹12,879	₹107,092	₹7,090	₹18,028	₹27,155	₹36,209	₹31,390	₹18,716	₹9,974	₹73,163	₹6,075	₹18,293	₹23,111	₹30,964	₹26,883	₹16,365	₹8,078	₹58,422	₹5,428	₹13,924	₹17,760	₹25,799	₹21,290	₹13,069	₹6,015	₹46,095	₹4,635	₹11,637	₹13,007	₹19,374	₹16,978	₹10,228	₹4,751
↳ Net Advances Growth YoY	25.4%	20.9%	19.8%	24.6%	18.1%	26.7%	-3.5%	29.1%	46.4%	16.7%	-1.4%	17.5%	16.9%	16.8%	14.4%	23.5%	25.2%	11.9%	31.4%	30.1%	20.0%	26.3%	25.2%	34.3%	26.7%	17.1%	19.7%	36.5%	33.2%	25.4%	27.8%	26.6%	33.2%	24.8%	42.5%	12.0%	15.0%	17.1%	24.5%	19.3%

Gross NPAs	₹2,756	₹220	₹1,214	₹847	₹1,135	₹917	₹1,460	₹864	₹2,477	₹185	₹1,291	₹750	₹1,068	₹696	₹1,854	₹734	₹1,237	₹170	₹893	₹494	₹821	₹613	₹418	₹242	₹981	₹153	₹352	₹709	₹724	₹631	₹432	₹191	₹924	₹117	₹950	₹757	₹837	₹1,284	₹648	₹597
Net NPAs	₹990	₹106	₹382	₹313	₹306	₹170	₹594	₹542	₹791	₹92	₹540	₹254	₹354	₹152	₹905	₹457	₹401	₹85	₹414	₹130	₹361	₹76	₹4	₹70	₹245	₹74	₹158	₹468	₹312	₹9	₹51	₹93	₹231	₹63	₹456	₹513	₹479	₹100	₹236	₹283
% of Gross NPAs	0.74%	2.54%	5.41%	2.46%	2.60%	2.26%	7.71%	6.55%	2.28%	2.58%	6.87%	2.71%	2.89%	2.18%	9.43%	7.16%	1.67%	2.76%	4.76%	2.11%	2.61%	2.23%	2.51%	2.94%	1.66%	2.77%	2.49%	3.94%	2.76%	2.88%	3.23%	3.13%	1.98%	2.50%	7.83%	5.71%	4.24%	7.34%	6.10%	11.80%
% of Net NPAs	0.45%	1.24%	1.77%	1.26%	0.72%	0.43%	3.29%	4.21%	0.74%	1.30%	2.99%	0.94%	0.98%	0.49%	4.84%	4.58%	0.55%	1.40%	2.26%	0.56%	1.17%	0.28%	0.03%	0.86%	0.42%	1.36%	1.13%	2.64%	1.21%	0.04%	0.39%	1.55%	0.50%	1.40%	3.92%	3.95%	2.47%	0.61%	2.31%	5.97%
PCR without Tech W/off (%)	64.1%	51.9%	68.5%	63.1%	73.0%	81.4%	59.3%	37.3%	68.1%	50.4%	58.2%	66.1%	66.8%	78.1%	51.2%	37.7%	67.6%	50.0%	53.7%	73.7%	56.1%	87.5%	98.9%	71.2%	75.0%	51.5%	55.1%	34.0%	56.9%	98.6%	88.2%	51.4%	75.0%	46.0%	52.0%	32.2%	42.7%	92.2%	63.6%	52.6%

Equity Share Capital	₹748	₹45	₹516	₹105	₹1,141	₹1,943	₹1,780	₹106	₹745	₹45	₹515	₹105	₹1,140	₹1,935	₹1,102	₹106	₹667	₹45	₹515	₹105	₹1,135	₹1,931	₹1,099	₹106	₹667	₹34	₹449	₹55	₹1,111	₹1,955	₹896	₹106	₹315	₹34	₹449	₹51	₹1,252	₹1,728	₹896	₹106
Networth	₹19,627	₹1,449	₹1,780	₹4,216	₹5,582	₹6,816	₹2,247	₹2,055	₹16,930	₹1,334	₹1,945	₹3,874	₹5,593	₹6,083	₹2,776	₹1,900	₹12,560	₹1,197	₹2,486	₹3,391	₹5,537	₹5,613	₹2,722	₹1,781	₹10,977	₹611	₹1,709	₹1,777	₹4,797	₹4,136	₹1,845	₹1,429	₹7,514	₹516	₹1,407	₹1,335	₹3,972	₹2,560	₹1,421	₹1,452
Total Assets	₹191,797	₹12,144	₹30,868	₹47,448	₹60,610	₹57,541	₹28,869	₹19,884	₹157,846	₹10,108	₹27,178	₹38,464	₹52,836	₹47,689	₹28,127	₹15,614	₹109,426	₹9,295	₹26,087	₹32,710	₹45,304	₹40,422	₹23,903	₹12,378	₹90,216	₹7,991	₹20,224	₹25,644	₹34,958	₹33,317	₹19,117	₹9,861	₹69,078	₹7,154	₹17,708	₹20,189	₹26,948	₹23,604	₹15,064	₹8,180
Book Value Per Share (₹)	₹266.9	₹319.1	₹34.5	₹420.9	₹53.7	₹35.1	₹15.6	₹195.5	₹230.6	₹294.9	₹37.7	₹389.5	₹53.3	₹31.4	₹27.0	₹181.3	₹188.3	₹265.9	₹48.3	₹366.8	₹52.6	₹28.7	₹27.0	₹170.0	₹164.6	₹178.3	₹38.0	₹326.9	₹46.4	₹21.2	₹22.3	₹149.3	₹119.3	₹151.5	₹31.3	₹259.6	₹33.9	₹14.8	₹17.6	₹141.0
Capital Adequacy Ratio	18.7%	22.3%	22.2%	19.4%	20.3%	21.1%	17.7%	20.4%	20.1%	25.4%	21.8%	20.7%	20.6%	23.1%	20.9%	25.8%	20.1%	27.4%	23.3%	20.3%	21.7%	24.7%	22.6%	28.4%	23.6%	18.9%	19.8%	15.6%	23.8%	25.8%	20.6%	33.7%	21.0%	18.6%	18.6%	15.3%	25.2%	19.0%	21.6%	37.9%
Branches	2,790	211	804	822	965	776	1,110	717	2,456	195	787	802	965	753	1,092	710	1,074	177	753	808	965	752	888	695	1,027	170	700	754	922	629	830	577	902	161	575	715	861	575	686	565

Efficiency Ratios

NIM · ROE · ROA · CAR · Small Finance Banks

5,040

Total Branches

Base Year

₹0.21 Cr

PAT Per Branch (₹ Cr)

Base Year

₹27.01 Cr

Deposits Per Branch

Base Year

₹25.14 Cr

Net Advances Per Branch

Base Year

Efficiency & Ratio Metrics by Bank

Net Interest Margin % (NIM)

Return on Equity % (ROE)

Return on Assets % (ROA)

Deposits Per Branch (₹ Cr)

Net Advances Per Branch (₹ Cr)

Efficiency Ratios

% · FY22

Particulars	AU SFB	Capital SFB	ESAF SFB	Jana SFB	Equitas SFB	Ujjivan SFB	Utkarsh SFB	Suryoday SFB
Net Interest Margin (NIM) %	5.70%	3.80%	8.86%	7.26%	8.54%	8.80%	8.80%	8.60%
Cost to Income Ratio %	57.07%	63.42%	63.69%	66.46%	66.26%	71.63%	58.91%	60.86%
Return on Assets (RoA) %	1.87%	0.90%	0.39%	0.09%	1.07%	(1.90%)	0.48%	(1.29%)
Return on Equity (RoE) %	16.40%	12.90%	4.14%	1.53%	7.75%	(13.80%)	4.14%	(6.01%)

5,609

Total Branches

11.3% vs FY22

₹0.75 Cr

PAT Per Branch (₹ Cr)

257.4% vs FY22

₹31.51 Cr

Deposits Per Branch

16.6% vs FY22

₹28.83 Cr

Net Advances Per Branch

14.7% vs FY22

Efficiency & Ratio Metrics by Bank

Net Interest Margin % (NIM)

Return on Equity % (ROE)

Return on Assets % (ROA)

Deposits Per Branch (₹ Cr)

Net Advances Per Branch (₹ Cr)

Efficiency Ratios

% · FY23

Particulars	AU SFB	Capital SFB	ESAF SFB	Jana SFB	Equitas SFB	Ujjivan SFB	Utkarsh SFB	Suryoday SFB
Net Interest Margin (NIM) %	6.10%	4.20%	10.00%	7.84%	9.00%	9.50%	9.70%	9.50%
Cost to Income Ratio %	63.01%	59.97%	57.93%	56.22%	63.41%	55.32%	54.15%	60.02%
Return on Assets (RoA) %	1.79%	1.20%	1.63%	1.13%	1.82%	1.01%	2.42%	0.87%
Return on Equity (RoE) %	15.40%	16.60%	19.40%	16.70%	12.55%	31.40%	22.84%	5.10%

6,112

Total Branches

9.0% vs FY23

₹0.93 Cr

PAT Per Branch (₹ Cr)

23.4% vs FY23

₹37.62 Cr

Deposits Per Branch

19.4% vs FY23

₹33.20 Cr

Net Advances Per Branch

15.2% vs FY23

Efficiency & Ratio Metrics by Bank

Net Interest Margin % (NIM)

Return on Equity % (ROE)

Return on Assets % (ROA)

Deposits Per Branch (₹ Cr)

Net Advances Per Branch (₹ Cr)

Efficiency Ratios

% · FY24

Particulars	AU SFB	Capital SFB	ESAF SFB	Jana SFB	Equitas SFB	Ujjivan SFB	Utkarsh SFB	Suryoday SFB
Net Interest Margin (NIM) %	5.45%	3.90%	10.70%	8.00%	8.36%	9.10%	9.40%	9.80%
Cost to Income Ratio %	63.57%	62.51%	58.65%	57.35%	64.49%	54.31%	56.38%	61.59%
Return on Assets (RoA) %	1.54%	1.27%	1.86%	2.38%	1.96%	3.47%	2.46%	1.94%
Return on Equity (RoE) %	13.50%	14.60%	20.30%	26.90%	14.43%	26.10%	19.50%	12.90%

7,760

Total Branches

27.0% vs FY24

₹0.41 Cr

PAT Per Branch (₹ Cr)

-55.9% vs FY24

₹38.39 Cr

Deposits Per Branch

2.0% vs FY24

₹32.95 Cr

Net Advances Per Branch

-0.8% vs FY24

Efficiency & Ratio Metrics by Bank

Net Interest Margin % (NIM)

Return on Equity % (ROE)

Return on Assets % (ROA)

Deposits Per Branch (₹ Cr)

Net Advances Per Branch (₹ Cr)

Efficiency Ratios

% · FY25

Particulars	AU SFB	Capital SFB	ESAF SFB	Jana SFB	Equitas SFB	Ujjivan SFB	Utkarsh SFB	Suryoday SFB
Net Interest Margin (NIM) %	5.94%	4.20%	8.10%	7.60%	7.51%	8.80%	8.03%	9.00%
Cost to Income Ratio %	56.34%	62.63%	75.58%	62.05%	67.95%	62.31%	61.61%	70.59%
Return on Assets (RoA) %	1.53%	1.35%	(1.94%)	1.49%	0.30%	1.67%	0.09%	0.84%
Return on Equity (RoE) %	13.10%	10.40%	(22.80%)	13.00%	2.45%	12.40%	0.80%	6.00%

8,195

Total Branches

5.6% vs FY25

₹0.33 Cr

PAT Per Branch (₹ Cr)

-18.7% vs FY25

₹42.97 Cr

Deposits Per Branch

12.0% vs FY25

₹38.04 Cr

Net Advances Per Branch

15.5% vs FY25

Efficiency & Ratio Metrics by Bank

Net Interest Margin % (NIM)

Return on Equity % (ROE)

Return on Assets % (ROA)

Deposits Per Branch (₹ Cr)

Net Advances Per Branch (₹ Cr)

Efficiency Ratios

% · FY26

Particulars	AU SFB	Capital SFB	ESAF SFB	Jana SFB	Equitas SFB	Ujjivan SFB	Utkarsh SFB	Suryoday SFB
Net Interest Margin (NIM) %	5.65%	4.04%	6.40%	6.70%	6.69%	8.10%	5.40%	7.30%
Cost to Income Ratio %	57.91%	61.85%	71.56%	67.34%	71.67%	65.65%	97.05%	73.67%
Return on Assets (RoA) %	1.57%	1.23%	(0.60%)	0.79%	0.18%	1.37%	(4.16%)	0.89%
Return on Equity (RoE) %	14.20%	10.10%	(9.10%)	7.60%	1.73%	10.90%	(42.10%)	7.60%

Financials

Individual Bank Performance · Income Statement · Capital & Key Ratios · Business Numbers

Select a Bank Click to view quarterly financials

AU SFB

AU Small Finance Bank

Capital

Capital Small Finance Bank

ESAF SFB

ESAF Small Finance Bank

Jana SFB

Jana Small Finance Bank

Equitas

Equitas Small Finance Bank

Ujjivan

Ujjivan Small Finance Bank

Utkarsh

Utkarsh Small Finance Bank

Suryoday

Suryoday Small Finance Bank

AU Small Finance Bank

Figures in ₹ Crores

Download PDF

Net Profit (₹ Cr)

₹2,641

FY26

NIM %

5.65%

FY26

GNPA %

0.74%

FY26

NNPA %

0.45%

FY26

ROE %

14.20%

FY26

ROA %

1.57%

FY26

Particulars	FY26							FY25							FY24	FY23	FY22
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	FY23	FY22
INCOME STATEMENT (₹ Crores)
Interest / Disc. on Advances	15,711	4,244	11,468	4,016	7,451	3,786	3,665	13,368	3,556	9,813	3,441	6,372	3,280	3,092	8,442	6,805	4,947
Income on Investments	2,647	708	1,939	650	1,289	644	645	2,238	618	1,620	569	1,051	508	543	1,632	1,190	781
Interest on Bal with RBI & Others	93	23	70	23	47	30	17	69	22	47	19	29	15	14	67	58	87
Others	185	45	140	38	103	51	52	388	75	313	85	228	108	120	413	152	107
Total Fund Based Income	18,636	5,019	13,617	4,727	8,890	4,511	4,378	16,064	4,271	11,793	4,113	7,680	3,911	3,769	10,555	8,205	5,922
↳ YoY Growth %	16.0%	17.5%	15.5%	14.9%	15.8%	15.4%	16.2%	52.2%	50.9%	52.7%	50.4%	53.9%	54.5%	53.3%	28.6%	38.6%	19.6%
↳ QoQ Growth %	—	6.2%	—	4.8%	—	3.0%	2.5%	—	3.8%	—	5.2%	—	3.8%	33.2%	—	—	—
Other Income	2,978	731	2,247	724	1,523	713	811	2,563	761	1,802	618	1,184	638	546	1,746	1,034	994
Total Income	21,614	5,750	15,864	5,451	10,413	5,224	5,189	18,626	5,031	13,595	4,732	8,863	4,549	4,315	12,301	9,240	6,915
↳ YoY Growth %	18.3%	12.0%	20.6%	14.1%	24.2%	22.2%	26.3%	49.2%	45.8%	50.5%	48.2%	51.7%	51.0%	52.5%	42.8%	40.7%	4.0%
↳ QoQ Growth %	—	2.1%	—	0.8%	—	1.4%	7.2%	—	4.1%	—	8.0%	—	4.7%	23.9%	—	—	—
Total Interest Expense	9,524	2,437	7,087	2,386	4,701	2,367	2,334	8,052	2,177	5,875	2,091	3,785	1,936	1,848	5,398	3,780	2,688
↳ YoY Growth %	18.3%	12.0%	20.6%	14.1%	24.2%	22.2%	26.3%	49.2%	45.8%	50.5%	48.2%	51.7%	51.0%	52.5%	42.8%	40.7%	4.0%
↳ QoQ Growth %	—	2.1%	—	0.8%	—	1.4%	7.2%	—	4.1%	—	8.0%	—	4.7%	23.9%	—	—	—
Net Interest Income (NII)	9,113	2,582	6,530	2,341	4,189	2,144	2,045	8,012	2,094	5,918	2,023	3,895	1,974	1,921	5,157	4,425	3,234
↳ NII YoY Growth %	13.7%	23.3%	10.4%	15.7%	7.6%	8.6%	6.5%	55.4%	56.6%	54.9%	52.7%	56.1%	58.1%	54.1%	16.5%	36.8%	36.7%
↳ NII QoQ Growth %	—	10.3%	—	9.2%	—	4.9%	-2.4%	—	3.5%	—	2.4%	—	2.8%	43.6%	—	—	—
Employee Cost	3,848	1,045	2,803	1,019	1,784	919	866	3,148	817	2,330	755	1,576	785	790	2,104	1,793	1,379
Other Admin Expenses	3,154	917	2,237	831	1,406	729	678	2,809	745	2,065	682	1,383	695	688	2,284	1,647	1,034
Total Operating Expenses	7,002	1,962	5,040	1,850	3,190	1,647	1,543	5,957	1,562	4,395	1,436	2,959	1,481	1,478	4,388	3,440	2,413
↳ YoY Growth %	10.2%	4.6%	12.4%	0.9%	19.0%	6.9%	32.8%	83.6%	94.6%	79.6%	83.4%	77.6%	74.7%	81.0%	24.5%	11.3%	-15.9%
↳ QoQ Growth %	—	11.2%	—	0.5%	—	-7.8%	1.5%	—	7.2%	—	6.5%	—	14.5%	48.8%	—	—	—
Pre-Provision Operating Profit	5,089	1,352	3,737	1,215	2,522	1,210	1,312	4,617	1,292	3,325	1,205	2,120	1,132	988	2,515	2,019	1,815
↳ PPOP YoY Growth %	10.2%	4.6%	12.4%	0.9%	19.0%	6.9%	32.8%	83.6%	94.6%	79.6%	83.4%	77.6%	74.7%	81.0%	24.5%	11.3%	-15.9%
↳ PPOP QoQ Growth %	—	11.2%	—	0.5%	—	-7.8%	1.5%	—	7.2%	—	6.5%	—	14.5%	48.8%	—	—	—
Total Provisions	1,615	269	1,345	331	1,014	481	533	1,829	635	1,194	502	692	373	319	439	155	361
Exceptional Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	77	0	0
Profit Before Tax (PBT)	3,474	1,082	2,392	884	1,508	729	779	2,788	657	2,131	703	1,428	759	669	1,999	1,865	1,454
Income Tax	833	250	583	217	366	168	198	682	153	529	175	354	188	166	465	437	324
Net Profit / PAT	2,641	832	1,809	668	1,142	561	581	2,106	504	1,602	528	1,074	571	503	1,535	1,428	1,130
↳ PAT YoY Growth %	25.4%	65.2%	12.9%	26.3%	6.3%	-1.8%	15.6%	37.2%	35.9%	37.7%	40.8%	36.1%	42.2%	29.9%	7.5%	26.4%	-3.5%
↳ PAT QoQ Growth %	—	24.6%	—	19.0%	—	-3.4%	15.3%	—	-4.7%	—	-7.5%	—	13.7%	35.6%	—	—	—
BALANCE SHEET & BUSINESS (₹ Crores)
Total Assets	191,797	191,797	174,052	174,052	165,542	165,542	160,813	157,846	157,846	143,044	143,044	138,829	138,829	125,942	109,426	90,216	69,078
Networth	19,627	19,627	18,701	18,701	17,936	17,936	17,437	16,930	16,930	16,300	16,300	15,769	15,769	15,263	12,560	10,977	7,514
Equity Share Capital	748	748	747	747	746	746	745	745	745	744	744	744	744	743	667	667	315
Reserves	19,225	19,225	18,231	18,231	17,563	17,563	17,003	16,422	16,422	15,872	15,872	15,344	15,344	14,773	11,890	10,311	7,199
Gross Advances	136,041	136,041	125,209	125,209	117,525	117,525	111,614	108,778	108,778	100,989	100,989	96,033	96,033	90,703	73,999	59,158	46,789
↳ Gross Advances YoY %	25.1%	25.1%	24.0%	24.0%	22.4%	22.4%	23.1%	47.0%	47.0%	49.3%	49.3%	47.7%	47.7%	42.5%	25.1%	26.4%	32.3%
Net Advances	134,276	134,276	123,420	123,420	115,705	115,705	109,834	107,092	107,092	99,559	99,559	94,838	94,838	89,652	73,163	58,422	46,095
↳ Net Advances YoY %	25.4%	25.4%	24.0%	24.0%	22.0%	22.0%	22.5%	46.4%	46.4%	49.2%	49.2%	47.8%	47.8%	42.6%	25.2%	26.7%	33.2%
Total Deposits	152,661	152,661	138,415	138,415	132,509	132,509	127,696	124,269	124,269	112,260	112,260	109,693	109,693	97,290	87,182	69,365	52,585
↳ Deposit YoY %	22.8%	22.8%	23.3%	23.3%	20.8%	20.8%	31.3%	42.5%	42.5%	40.1%	40.1%	44.8%	44.8%	40.4%	25.7%	31.9%	46.2%
Savings Deposits	33,998	33,998	32,543	32,543	31,401	31,401	30,983	29,256	29,256	28,758	28,758	29,540	29,540	27,299	23,788	22,980	17,039
↳ Savings YoY %	16.2%	16.2%	13.2%	13.2%	6.3%	6.3%	13.5%	23.0%	23.0%	27.2%	27.2%	40.5%	40.5%	29.7%	3.5%	34.9%	156.5%
Current Deposits	9,359	9,359	7,404	7,404	7,562	7,562	6,348	6,997	6,997	5,644	5,644	5,981	5,981	4,736	5,338	3,680	2,569
↳ Current YoY %	33.8%	33.8%	31.2%	31.2%	26.4%	26.4%	34.0%	31.1%	31.1%	47.3%	47.3%	29.0%	29.0%	46.2%	45.1%	43.2%	57.4%
CASA Deposits	43,357	43,357	39,947	39,947	38,963	38,963	37,331	36,253	36,253	34,402	34,402	35,521	35,521	32,035	29,126	26,660	19,608
↳ CASA YoY %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS (₹)	35.30	11.12	24.22	8.94	15.30	7.52	7.79	28.29	6.77	21.53	7.10	14.44	7.68	6.76	23.02	21.42	35.88
KEY RATIOS
NIM %	5.65%	5.96%	5.50%	5.70%	5.45%	5.50%	5.40%	5.94%	5.80%	6.00%	5.90%	6.05%	6.10%	6.00%	5.45%	6.10%	5.70%
Cost to Income %	57.91%	59.21%	57.42%	60.35%	55.85%	57.66%	54.04%	56.34%	54.73%	56.93%	54.38%	58.26%	56.68%	59.93%	63.57%	63.01%	57.07%
GNPA %	0.74%	0.74%	2.30%	2.30%	2.41%	2.41%	2.47%	2.28%	2.28%	2.31%	2.31%	1.98%	1.98%	1.78%	1.67%	1.66%	1.98%
NNPA %	0.45%	0.45%	0.88%	0.88%	0.88%	0.88%	0.88%	0.74%	0.74%	0.91%	0.91%	0.75%	0.75%	0.63%	0.55%	0.42%	0.50%
PCR %	64.08%	64.08%	62.11%	62.11%	64.18%	64.18%	64.70%	68.05%	68.05%	61.22%	61.22%	62.84%	62.84%	65.13%	67.59%	75.02%	75.03%
ROA %	1.57%	1.80%	1.48%	1.56%	1.44%	1.40%	1.48%	1.53%	1.36%	1.63%	1.48%	1.64%	1.72%	1.56%	1.54%	1.79%	1.87%
ROE %	14.22%	—	—	—	—	—	—	14.17%	—	—	—	—	—	—	13.04%	15.44%	16.39%
CASA Ratio %	28.40%	28.40%	28.86%	28.86%	29.40%	29.40%	29.23%	29.17%	29.17%	30.64%	30.64%	32.38%	32.38%	32.93%	33.41%	38.43%	37.29%
CAR %	18.68%	18.68%	19.01%	19.01%	18.78%	18.78%	19.42%	20.06%	20.06%	18.01%	18.01%	18.51%	18.51%	20.11%	20.06%	23.59%	20.99%
COST RATIOS AS % TO TOTAL INCOME
Interest / Disc. on Advances	84.30%	84.55%	84.21%	84.96%	83.82%	83.93%	83.70%	83.22%	83.26%	83.21%	83.66%	82.97%	83.86%	82.04%	79.98%	82.93%	83.55%
Income on Investments	14.20%	14.10%	14.24%	13.75%	14.50%	14.28%	14.73%	13.93%	14.48%	13.74%	13.82%	13.69%	13.00%	14.41%	15.47%	14.50%	13.18%
Interest on Bal with RBI	0.50%	0.45%	0.51%	0.50%	0.52%	0.65%	0.39%	0.43%	0.51%	0.40%	0.45%	0.37%	0.38%	0.37%	0.63%	0.71%	1.47%
Others (Fund Income)	1.00%	0.90%	1.03%	0.80%	1.15%	1.13%	1.18%	2.42%	1.75%	2.66%	2.07%	2.97%	2.76%	3.19%	3.92%	1.86%	1.80%
Other Income	15.98%	14.56%	16.50%	15.31%	17.13%	15.80%	18.51%	15.95%	17.81%	15.28%	15.03%	15.41%	16.31%	14.48%	16.54%	12.61%	16.78%
Total Interest Expense	51.10%	48.55%	52.04%	50.48%	52.88%	52.47%	53.30%	50.13%	50.97%	49.82%	50.83%	49.28%	49.51%	49.04%	51.14%	46.07%	45.39%
Net Interest Income	48.90%	51.45%	47.96%	49.52%	47.12%	47.53%	46.70%	49.87%	49.03%	50.18%	49.17%	50.72%	50.49%	50.96%	48.86%	53.93%	54.61%
Employee Cost	20.65%	20.82%	20.59%	21.56%	20.07%	20.36%	19.77%	19.60%	19.14%	19.76%	18.35%	20.52%	20.09%	20.96%	19.93%	21.85%	23.29%
Admin Expenses	16.92%	18.27%	16.43%	17.57%	15.82%	16.15%	15.47%	17.49%	17.44%	17.51%	16.57%	18.01%	17.77%	18.25%	21.64%	20.08%	17.46%
Total Operating Expenses	37.57%	39.09%	37.01%	39.13%	35.89%	36.51%	35.24%	37.08%	36.58%	37.27%	34.91%	38.53%	37.86%	39.22%	41.57%	41.93%	40.74%
PPOP	27.31%	26.93%	27.45%	25.71%	28.37%	26.82%	29.97%	28.74%	30.26%	28.19%	29.29%	27.60%	28.94%	26.22%	23.83%	24.61%	30.65%
Provisions	8.66%	5.37%	9.88%	7.00%	11.41%	10.66%	12.18%	11.39%	14.87%	10.12%	12.20%	9.01%	9.54%	8.47%	4.16%	1.89%	6.10%
PBT	18.64%	21.56%	17.57%	18.70%	16.96%	16.16%	17.79%	17.36%	15.39%	18.07%	17.10%	18.59%	19.40%	17.75%	18.94%	22.72%	24.55%
Income Tax	4.47%	4.99%	4.28%	4.58%	4.12%	3.72%	4.52%	4.25%	3.59%	4.48%	4.25%	4.61%	4.80%	4.41%	4.40%	5.32%	5.48%
PAT	14.17%	16.57%	13.29%	14.12%	12.84%	12.43%	13.27%	13.11%	11.79%	13.59%	12.85%	13.98%	14.61%	13.33%	14.54%	17.40%	19.08%

CAP

Capital Small Finance Bank

Figures in ₹ Crores

Download PDF

Net Profit (₹ Cr)

₹141

FY26

NIM %

4.04%

FY26

GNPA %

2.54%

FY26

NNPA %

1.24%

FY26

ROE %

10.10%

FY26

ROA %

1.23%

FY26

Particulars	FY26							FY25							FY24	FY23	FY22
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	FY23	FY22
INCOME STATEMENT (₹ Crores)
Interest / Disc. on Advances	826	216	610	213	398	203	195	719	186	533	186	347	178	168	624	533	437
Income on Investments	131	33	98	33	64	33	32	123	31	92	31	60	30	30	112	98	86
Interest on Bal with RBI & Others	89	23	66	25	41	20	20	65	14	51	17	34	15	20	56	45	55
Others	2	1	2	1	1	0	0	2	0	2	1	1	0	0	2	1	0
Total Fund Based Income	1,049	273	775	272	504	256	247	908	231	677	235	442	224	218	794	676	578
↳ YoY Growth %	15.4%	18.0%	14.5%	15.7%	13.9%	14.7%	13.1%	14.4%	13.3%	14.7%	15.1%	14.5%	13.5%	15.7%	17.5%	16.9%	13.1%
↳ QoQ Growth %	—	0.4%	—	6.0%	—	3.8%	6.7%	—	-1.5%	—	5.1%	—	2.3%	7.0%	—	—	—
Other Income	98	26	72	26	46	23	23	86	26	60	18	42	26	17	68	49	54
Total Income	1,147	299	848	298	550	280	270	995	257	737	253	484	249	235	862	725	632
↳ YoY Growth %	15.3%	16.3%	15.0%	17.9%	13.5%	12.2%	14.8%	15.3%	14.4%	15.7%	13.8%	16.7%	17.1%	16.2%	18.9%	14.7%	13.5%
↳ QoQ Growth %	—	0.2%	—	6.7%	—	3.6%	5.0%	—	1.5%	—	1.5%	—	6.0%	4.6%	—	—	—
Total Interest Expense	587	152	435	153	282	145	137	498	128	370	128	242	123	119	449	354	323
↳ YoY Growth %	17.8%	18.7%	17.5%	19.4%	16.6%	18.1%	15.0%	10.9%	9.3%	11.5%	9.5%	12.6%	8.9%	16.6%	26.9%	9.6%	3.2%
↳ QoQ Growth %	—	-0.1%	—	5.4%	—	5.5%	6.9%	—	0.4%	—	4.2%	—	2.8%	1.6%	—	—	—
Net Interest Income (NII)	461	121	341	119	221	112	110	410	103	307	107	200	101	99	345	322	255
↳ NII YoY Growth %	12.5%	17.1%	10.9%	11.4%	10.7%	10.6%	10.8%	18.8%	18.8%	18.9%	22.5%	17.0%	19.5%	14.5%	7.2%	26.1%	28.5%
↳ NII QoQ Growth %	—	1.1%	—	6.9%	—	1.7%	6.5%	—	-3.8%	—	6.1%	—	1.8%	14.2%	—	—	—
Employee Cost	182	46	136	50	86	43	43	149	38	110	37	73	37	36	125	118	54
Other Admin Expenses	164	40	124	44	80	41	38	162	43	119	40	78	41	37	134	105	142
Total Operating Expenses	346	87	260	94	165	84	81	311	82	229	77	152	78	73	258	223	196
↳ YoY Growth %	11.4%	5.9%	13.3%	21.5%	9.2%	7.3%	11.2%	20.3%	20.6%	20.2%	18.0%	21.4%	18.2%	25.0%	16.0%	13.5%	13.5%
↳ QoQ Growth %	—	-7.9%	—	11.9%	—	3.4%	-0.6%	—	5.6%	—	-1.1%	—	7.2%	7.8%	—	—	—
Pre-Provision Operating Profit	214	60	154	52	102	51	51	185	47	139	48	91	48	43	155	149	113
↳ PPOP YoY Growth %	15.1%	27.7%	10.9%	8.1%	12.4%	5.0%	20.7%	19.7%	18.7%	20.0%	19.3%	20.4%	41.9%	2.8%	4.2%	31.4%	58.4%
↳ PPOP QoQ Growth %	—	15.8%	—	2.0%	—	-1.3%	9.6%	—	-2.0%	—	-0.9%	—	13.4%	7.9%	—	—	—
Total Provisions	25	6	19	6	13	4	9	10	2	8	2	6	4	2	7	25	29
Exceptional Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax (PBT)	189	54	135	46	89	46	43	175	45	130	46	84	44	40	148	124	84
Income Tax	47	14	33	11	22	11	10	43	11	33	12	21	11	10	37	31	22
Net Profit / PAT	141	40	101	34	67	35	32	132	34	97	34	63	33	30	112	94	63
↳ PAT YoY Growth %	7.4%	17.1%	4.0%	1.1%	5.6%	4.6%	6.6%	18.0%	21.4%	16.9%	17.7%	16.5%	37.3%	-0.3%	19.1%	49.6%	53.5%
↳ PAT QoQ Growth %	—	16.5%	—	-1.4%	—	9.0%	-6.5%	—	0.6%	—	2.1%	—	11.1%	6.4%	—	—	—
BALANCE SHEET & BUSINESS (₹ Crores)
Total Assets	12,144	12,144	12,091	12,091	11,434	11,434	11,113	10,108	10,108	10,184	10,184	9,561	9,561	9,612	9,295	7,991	7,154
Networth	1,449	1,449	1,421	1,421	1,386	1,386	1,373	1,334	1,334	1,295	1,295	1,259	1,259	1,231	1,197	611	516
Equity Share Capital	45	45	45	45	45	45	45	45	45	45	45	45	45	45	45	34	34
Reserves	1,416	1,416	1,396	1,396	1,362	1,362	1,327	1,295	1,295	1,250	1,250	1,216	1,216	1,182	1,152	576	482
Gross Advances	8,687	8,687	8,164	8,164	7,907	7,907	7,437	7,184	7,184	6,816	6,816	6,718	6,718	6,391	6,160	5,507	4,689
↳ Gross Advances YoY %	20.9%	20.9%	19.8%	19.8%	17.7%	17.7%	16.4%	16.6%	16.6%	19.2%	19.2%	14.5%	14.5%	15.8%	11.9%	17.4%	24.6%
Net Advances	8,572	8,572	8,054	8,054	7,801	7,801	7,335	7,090	7,090	6,724	6,724	6,628	6,628	6,304	6,075	5,428	4,635
↳ Net Advances YoY %	20.9%	20.9%	19.8%	19.8%	17.7%	17.7%	16.3%	16.7%	16.7%	19.3%	19.3%	14.6%	14.6%	15.9%	11.9%	17.1%	24.8%
Total Deposits	10,018	10,018	9,931	9,931	9,317	9,317	9,110	8,323	8,323	8,384	8,384	7,780	7,780	7,778	7,478	6,561	6,046
↳ Deposit YoY %	20.4%	20.4%	18.5%	18.5%	19.8%	19.8%	17.1%	11.3%	11.3%	12.0%	12.0%	11.1%	11.1%	10.1%	14.0%	8.5%	15.8%
Savings Deposits	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
↳ Savings YoY %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Current Deposits	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
↳ Current YoY %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
CASA Deposits	3,480	3,480	3,565	3,569	3,161	3,161	3,270	3,074	3,074	3,278	3,278	2,886	2,886	3,072	2,864	2,748	2,533
↳ CASA YoY %	13.2%	13.2%	8.8%	8.9%	9.5%	9.5%	6.5%	7.3%	7.3%	10.9%	10.9%	9.2%	9.2%	8.7%	4.2%	8.5%	21.1%
EPS (₹)	31.13	8.82	22.35	7.58	14.78	7.70	7.07	29.09	7.57	21.59	7.52	14.06	7.40	6.67	24.76	27.33	18.39
KEY RATIOS
NIM %	4.04%	4.06%	4.04%	4.01%	4.05%	4.00%	4.10%	4.20%	4.09%	4.23%	4.30%	4.20%	4.20%	4.20%	3.90%	4.20%	3.80%
Cost to Income %	61.85%	59.16%	62.81%	64.56%	61.85%	62.41%	61.29%	62.63%	63.59%	62.30%	61.85%	62.53%	61.90%	63.22%	62.51%	59.97%	63.42%
GNPA %	2.54%	2.54%	2.68%	2.68%	2.70%	2.70%	2.74%	2.58%	2.58%	2.67%	2.67%	2.61%	2.61%	2.69%	2.76%	2.77%	2.50%
NNPA %	1.24%	1.24%	1.35%	1.35%	1.38%	1.38%	1.39%	1.30%	1.30%	1.35%	1.35%	1.29%	1.29%	1.35%	1.40%	1.36%	1.40%
PCR %	51.89%	51.89%	50.45%	50.45%	49.60%	49.60%	50.17%	50.45%	50.45%	50.30%	50.30%	51.27%	51.27%	50.57%	50.01%	51.48%	46.02%
ROA %	1.23%	1.33%	1.20%	1.16%	1.22%	1.26%	1.18%	1.35%	1.36%	1.36%	1.37%	1.35%	1.40%	1.30%	1.27%	1.20%	0.90%
ROE %	10.10%	11.40%	9.83%	9.90%	9.80%	10.20%	9.40%	10.40%	10.80%	10.53%	10.90%	10.35%	10.80%	9.90%	14.60%	16.60%	12.90%
CASA Ratio %	34.74%	34.74%	35.90%	35.94%	33.93%	33.93%	35.90%	36.94%	36.94%	39.10%	39.10%	37.10%	37.10%	39.50%	38.30%	41.88%	41.90%
CAR %	22.31%	22.31%	21.60%	21.60%	24.23%	24.23%	24.50%	25.39%	25.39%	25.80%	25.80%	26.34%	26.34%	26.30%	27.39%	18.87%	18.60%
COST RATIOS AS % TO TOTAL INCOME
Interest / Disc. on Advances	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Income on Investments	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Interest on Bal with RBI	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Others (Fund Income)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Other Income	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Interest Expense	51.20%	51.00%	51.27%	51.14%	51.33%	51.80%	50.86%	50.10%	49.96%	50.16%	50.51%	49.97%	49.21%	50.78%	52.08%	48.80%	51.06%
Net Interest Income	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Employee Cost	15.89%	15.53%	16.02%	16.78%	15.61%	15.33%	15.91%	14.94%	14.92%	14.94%	14.66%	15.09%	15.00%	15.19%	14.45%	16.26%	8.59%
Admin Expenses	14.29%	13.46%	14.58%	14.76%	14.49%	14.75%	14.22%	16.31%	16.90%	16.11%	15.94%	16.19%	16.44%	15.93%	15.51%	14.44%	22.44%
Total Operating Expenses	30.18%	28.98%	30.61%	31.54%	30.10%	30.08%	30.12%	31.25%	31.82%	31.05%	30.61%	31.28%	31.44%	31.11%	29.95%	30.70%	31.03%
PPOP	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Provisions	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
PBT	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Income Tax	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
PAT	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

ESAF

ESAF Small Finance Bank

Figures in ₹ Crores

Download PDF

Net Profit (₹ Cr)

−₹166

FY26

NIM %

6.40%

FY26

GNPA %

5.41%

FY26

NNPA %

1.77%

FY26

ROE %

-9.10%

FY26

ROA %

-0.60%

FY26

Particulars	FY26							FY25							FY24	FY23	FY22
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	FY23	FY22
INCOME STATEMENT (₹ Crores)
Interest / Disc. on Advances	3,117	892	2,225	790	1,436	715	721	3,409	779	2,630	834	1,796	878	918	3,461	2,532	1,727
Income on Investments	411	102	309	104	205	104	101	402	111	291	103	188	95	93	353	312	188
Interest on Bal with RBI & Others	10	2	8	0	7	0	7	50	1	48	13	35	23	12	4	10	25
Others	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Fund Based Income	3,537	995	2,542	894	1,648	820	828	3,861	892	2,969	950	2,019	996	1,022	3,818	2,854	1,940
↳ YoY Growth %	-8.4%	11.5%	-14.4%	-5.9%	-18.4%	-17.7%	-19.0%	1.1%	-11.0%	5.4%	-2.5%	9.6%	5.6%	13.8%	33.8%	47.1%	18.2%
↳ QoQ Growth %	—	11.3%	—	9.1%	—	-1.0%	—	—	-6.1%	—	-4.7%	—	-2.5%	—	—	—	—
Other Income	811	201	610	269	340	145	195	468	145	324	112	212	97	115	442	288	208
Total Income	4,348	1,196	3,152	1,163	1,988	965	1,023	4,329	1,037	3,293	1,062	2,231	1,093	1,138	4,260	3,142	2,148
↳ YoY Growth %	1.9%	4.3%	1.1%	-0.2%	1.8%	-0.1%	3.7%	25.0%	11.3%	30.4%	22.6%	34.9%	31.5%	38.6%	42.4%	28.3%	10.2%
↳ QoQ Growth %	—	3.4%	—	1.3%	—	1.2%	—	—	-1.1%	—	1.5%	—	5.1%	—	—	—	—
Total Interest Expense	1,845	477	1,368	462	906	456	450	1,811	458	1,353	463	890	456	434	1,449	1,017	793
↳ YoY Growth %	1.9%	4.3%	1.1%	-0.2%	1.8%	-0.1%	3.7%	25.0%	11.3%	30.4%	22.6%	34.9%	31.5%	38.6%	42.4%	28.3%	10.2%
↳ QoQ Growth %	—	3.4%	—	1.3%	—	1.2%	—	—	-1.1%	—	1.5%	—	5.1%	—	—	—	—
Net Interest Income (NII)	1,692	518	1,174	432	742	364	378	2,050	434	1,616	487	1,129	540	588	2,370	1,836	1,147
↳ NII YoY Growth %	-17.5%	19.2%	-27.3%	-11.2%	-34.3%	-32.6%	-35.8%	-13.5%	-26.5%	-9.2%	-18.4%	-4.5%	-9.4%	0.5%	29.0%	60.1%	24.5%
↳ NII QoQ Growth %	—	19.8%	—	18.8%	—	-3.7%	—	—	-10.8%	—	-9.9%	—	-8.2%	—	—	—	—
Employee Cost	693	173	519	171	349	158	190	660	185	475	179	297	193	103	363	278	232
Other Admin Expenses	1,098	304	794	279	515	258	258	1,243	304	940	293	647	301	346	1,286	953	631
Total Operating Expenses	1,791	478	1,313	449	864	416	448	1,904	488	1,415	472	944	494	450	1,649	1,231	863
↳ YoY Growth %	15.7%	166.1%	-10.3%	98.2%	-45.1%	-34.8%	-50.8%	-47.1%	-68.2%	-40.3%	-55.7%	-32.7%	-50.6%	-15.5%	30.1%	81.7%	18.0%
↳ QoQ Growth %	—	-4.4%	—	170.8%	—	-25.4%	—	—	-28.8%	—	-10.9%	—	-43.7%	—	—	—	—
Pre-Provision Operating Profit	712	241	471	253	218	93	125	615	91	524	127	397	143	254	1,163	894	492
↳ PPOP YoY Growth %	15.7%	166.1%	-10.3%	98.2%	-45.1%	-34.8%	-50.8%	-47.1%	-68.2%	-40.3%	-55.7%	-32.7%	-50.6%	-15.5%	30.1%	81.7%	18.0%
↳ PPOP QoQ Growth %	—	-4.4%	—	170.8%	—	-25.4%	—	—	-28.8%	—	-10.9%	—	-43.7%	—	—	—	—
Total Provisions	940	214	726	243	483	249	234	1,250	332	919	410	509	340	169	592	488	418
Exceptional Items	0	0	0	0	0	0	0	58	0	58	0	58	58	0	0	0	0
Profit Before Tax (PBT)	-228	27	-255	9	-265	-155	-109	-693	-241	-452	-282	-170	-255	85	570	406	74
Income Tax	-62	4	-66	2	-68	-40	-28	-172	-58	-114	-71	-42	-65	22	145	104	19
Net Profit / PAT	-166	24	-190	7	-197	-116	-81	-521	-183	-338	-211	-127	-190	63	426	302	55
↳ PAT YoY Growth %	—	—	—	—	—	—	—	—	—	—	—	—	—	-51.7%	40.8%	452.4%	-48.1%
↳ PAT QoQ Growth %	—	230.2%	—	—	—	—	—	—	—	—	—	—	—	44.8%	—	—	—
BALANCE SHEET & BUSINESS (₹ Crores)
Total Assets	30,868	30,868	29,137	29,137	27,129	27,129	26,703	27,178	27,178	26,748	26,748	26,646	26,646	26,835	26,087	20,224	17,708
Networth	1,780	1,780	1,756	1,756	1,748	1,748	1,864	1,945	1,945	2,124	2,124	2,333	2,333	2,558	2,486	1,709	1,407
Equity Share Capital	516	516	516	516	516	516	515	515	515	515	515	515	515	515	515	449	449
Reserves	1,264	1,264	1,966	1,966	1,233	1,233	1,348	1,430	1,430	1,967	1,967	1,844	1,844	2,034	1,971	1,260	957
Gross Advances	22,426	22,426	20,679	20,679	19,137	19,137	18,224	18,779	18,779	18,291	18,291	18,340	18,340	18,783	18,772	14,118	12,131
↳ Gross Advances YoY %	19.4%	19.4%	13.1%	13.1%	4.3%	4.3%	-3.0%	0.0%	0.0%	6.6%	6.6%	21.3%	21.3%	30.0%	33.0%	16.4%	44.2%
Net Advances	21,594	21,594	20,061	20,061	18,199	18,199	17,521	18,028	18,028	17,538	17,538	17,586	17,586	18,125	18,293	13,924	11,637
↳ Net Advances YoY %	19.8%	19.8%	14.4%	14.4%	3.5%	3.5%	-3.3%	-1.4%	-1.4%	4.3%	4.3%	18.0%	18.0%	26.6%	31.4%	19.7%	42.5%
Total Deposits	25,850	25,850	24,006	24,006	22,894	22,894	22,698	23,276	23,276	22,415	22,415	21,614	21,614	20,887	19,868	14,666	12,815
↳ Deposit YoY %	11.1%	11.1%	7.1%	7.1%	5.9%	5.9%	8.7%	17.2%	17.2%	18.8%	18.8%	24.1%	24.1%	33.4%	35.5%	14.4%	42.4%
Savings Deposits	5,816	5,816	5,689	5,689	5,746	5,746	5,334	5,452	5,452	5,283	5,283	5,025	5,025	4,649	4,170	2,874	2,708
↳ Savings YoY %	6.7%	6.7%	7.7%	7.7%	14.4%	14.4%	14.7%	30.7%	30.7%	60.5%	60.5%	74.6%	74.6%	77.8%	45.1%	6.1%	69.8%
Current Deposits	365	365	336	336	298	298	295	331	331	309	309	294	294	278	332	264	220
↳ Current YoY %	10.2%	10.2%	8.8%	8.8%	1.2%	1.2%	6.1%	-0.3%	-0.3%	13.6%	13.6%	11.4%	11.4%	17.3%	25.8%	20.1%	43.5%
CASA Deposits	6,181	6,181	6,026	6,026	6,044	6,044	5,629	5,783	5,783	5,592	5,592	5,319	5,319	4,927	4,502	3,138	2,927
↳ CASA YoY %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS (₹)	-3.23	0.46	-3.68	0.14	-3.82	-2.25	-1.58	-10.12	-3.55	-6.57	-4.09	-2.47	-3.69	1.22	8.27	6.73	1.22
KEY RATIOS
NIM %	6.40%	7.30%	6.10%	6.60%	5.95%	5.90%	6.00%	8.10%	6.90%	8.73%	7.70%	9.25%	9.10%	9.40%	10.70%	10.00%	8.86%
Cost to Income %	71.56%	66.45%	73.62%	64.01%	79.84%	81.69%	78.20%	75.58%	84.35%	72.96%	78.73%	70.38%	77.54%	63.90%	58.65%	57.93%	63.69%
GNPA %	5.41%	5.41%	5.64%	5.64%	8.54%	8.54%	7.48%	6.87%	6.87%	6.96%	6.96%	6.98%	6.98%	6.61%	4.76%	2.49%	7.83%
NNPA %	1.77%	1.77%	2.73%	2.73%	3.80%	3.80%	3.77%	2.99%	2.99%	2.97%	2.97%	2.98%	2.98%	3.22%	2.26%	1.13%	3.92%
PCR %	68.49%	68.49%	52.99%	52.99%	57.40%	57.40%	51.53%	58.19%	58.19%	59.15%	59.15%	58.97%	58.97%	53.00%	53.67%	55.11%	51.98%
ROA %	-0.60%	-0.32%	-0.93%	0.12%	-1.46%	-1.72%	-1.20%	-1.94%	-2.68%	-1.67%	-3.16%	-0.92%	-2.80%	0.96%	1.86%	1.63%	0.39%
ROE %	-9.10%	5.20%	-13.80%	1.60%	-19.20%	-21.30%	-17.10%	-22.80%	-36.00%	-19.00%	-36.40%	-10.30%	-30.50%	9.90%	20.30%	19.40%	4.14%
CASA Ratio %	23.91%	23.91%	25.10%	25.10%	26.40%	26.40%	24.80%	24.84%	24.84%	24.95%	24.95%	24.61%	24.61%	23.59%	22.66%	21.40%	22.84%
CAR %	22.22%	22.22%	22.68%	22.68%	22.43%	22.43%	22.74%	21.84%	21.84%	22.70%	22.70%	23.16%	23.16%	23.46%	23.27%	19.83%	18.60%
COST RATIOS AS % TO TOTAL INCOME
Interest / Disc. on Advances	88.12%	89.63%	87.53%	88.32%	87.11%	87.21%	87.01%	88.30%	87.38%	88.58%	87.76%	88.96%	88.15%	89.75%	90.65%	88.73%	89.01%
Income on Investments	11.61%	10.20%	12.16%	11.64%	12.44%	12.74%	12.14%	10.41%	12.46%	9.80%	10.87%	9.30%	9.52%	9.08%	9.24%	10.93%	9.71%
Interest on Bal with RBI	0.27%	0.17%	0.31%	0.04%	0.45%	0.05%	0.86%	1.29%	0.16%	1.62%	1.38%	1.74%	2.33%	1.16%	0.11%	0.34%	1.28%
Others (Fund Income)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Other Income	22.93%	20.24%	23.98%	30.13%	20.65%	17.71%	23.56%	12.13%	16.22%	10.90%	11.78%	10.49%	9.69%	11.27%	11.57%	10.09%	10.70%
Total Interest Expense	52.17%	47.97%	53.81%	51.64%	54.98%	55.59%	54.38%	46.90%	51.30%	45.58%	48.73%	44.09%	45.77%	42.46%	37.94%	35.65%	40.87%
Net Interest Income	47.83%	52.03%	46.19%	48.36%	45.02%	44.41%	45.62%	53.10%	48.70%	54.42%	51.27%	55.91%	54.23%	57.54%	62.06%	64.35%	59.13%
Employee Cost	19.59%	17.43%	20.43%	19.07%	21.17%	19.32%	22.99%	17.10%	20.72%	16.01%	18.81%	14.69%	19.38%	10.12%	9.51%	9.74%	11.97%
Admin Expenses	31.05%	30.59%	31.23%	31.17%	31.26%	31.42%	31.11%	32.21%	34.03%	31.66%	30.83%	32.05%	30.19%	33.85%	33.68%	33.38%	32.51%
Total Operating Expenses	50.64%	48.02%	51.66%	50.24%	52.43%	50.74%	54.10%	49.30%	54.76%	47.66%	49.64%	46.73%	49.57%	43.97%	43.18%	43.12%	44.48%
PPOP	20.13%	24.25%	18.52%	28.24%	13.24%	11.37%	15.08%	15.93%	10.16%	17.67%	13.41%	19.67%	14.35%	24.85%	30.45%	31.32%	25.35%
Provisions	26.59%	21.53%	28.57%	27.22%	29.29%	30.33%	28.27%	32.38%	37.16%	30.94%	43.14%	25.20%	34.09%	16.54%	15.51%	17.09%	21.55%
PBT	-6.46%	2.72%	-10.05%	1.02%	-16.06%	-18.96%	-13.18%	-17.95%	-27.00%	-15.23%	-29.73%	-8.41%	-25.56%	8.31%	14.94%	14.23%	3.81%
Income Tax	-1.75%	0.36%	-2.58%	0.22%	-4.10%	-4.83%	-3.38%	-4.44%	-6.46%	-3.84%	-7.53%	-2.10%	-6.48%	2.17%	3.79%	3.63%	0.99%
PAT	-4.70%	2.36%	-7.47%	0.80%	-11.96%	-14.13%	-9.81%	-13.50%	-20.54%	-11.39%	-22.20%	-6.31%	-19.08%	6.14%	11.15%	10.59%	2.82%

JANA

Jana Small Finance Bank

Figures in ₹ Crores

Download PDF

Net Profit (₹ Cr)

₹326

FY26

NIM %

6.70%

FY26

GNPA %

2.46%

FY26

NNPA %

1.26%

FY26

ROE %

7.60%

FY26

ROA %

0.79%

FY26

Particulars	FY26							FY25							FY24	FY23	FY22
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	FY23	FY22
INCOME STATEMENT (₹ Crores)
Interest / Disc. on Advances	4,826	1,308	3,518	1,222	2,296	1,175	1,121	4,230	1,074	3,179	1,073	2,106	1,062	1,044	3,616	2,722	2,412
Income on Investments	491	129	362	134	228	116	112	377	86	291	88	203	94	109	349	325	256
Interest on Bal with RBI & Others	46	7	39	7	31	14	18	63	22	40	16	24	10	14	48	28	59
Others	13	0	13	11	2	0	2	2	2	0	0	0	0	0	0	0	0
Total Fund Based Income	5,375	1,445	3,930	1,374	2,557	1,305	1,252	4,671	1,184	3,511	1,177	2,333	1,166	1,167	4,013	3,075	2,727
↳ YoY Growth %	15.1%	22.0%	12.0%	16.7%	9.6%	11.9%	7.3%	16.4%	6.5%	21.0%	13.4%	25.2%	19.1%	31.9%	30.5%	12.8%	9.2%
↳ QoQ Growth %	—	5.2%	—	5.3%	—	4.2%	5.8%	—	0.5%	—	1.0%	—	-0.1%	5.0%	—	—	—
Other Income	1,022	266	756	245	512	247	264	776	234	542	177	365	176	189	671	625	324
Total Income	6,397	1,710	4,687	1,618	3,068	1,552	1,516	5,447	1,418	4,052	1,355	2,698	1,342	1,356	4,684	3,700	3,050
↳ YoY Growth %	19.1%	17.7%	19.6%	21.3%	18.8%	20.0%	17.5%	22.8%	15.8%	25.5%	19.5%	28.9%	26.2%	31.7%	33.3%	5.9%	8.3%
↳ QoQ Growth %	—	-0.0%	—	3.4%	—	4.8%	8.7%	—	3.0%	—	2.2%	—	2.7%	7.2%	—	—	—
Total Interest Expense	2,760	709	2,051	709	1,341	686	655	2,317	602	1,714	585	1,129	572	557	1,886	1,415	1,337
↳ YoY Growth %	19.1%	17.7%	19.6%	21.3%	18.8%	20.0%	17.5%	22.8%	15.8%	25.5%	19.5%	28.9%	26.2%	31.7%	33.3%	5.9%	8.3%
↳ QoQ Growth %	—	-0.0%	—	3.4%	—	4.8%	8.7%	—	3.0%	—	2.2%	—	2.7%	7.2%	—	—	—
Net Interest Income (NII)	2,615	736	1,880	664	1,215	618	597	2,355	581	1,796	593	1,204	594	610	2,127	1,660	1,390
↳ NII YoY Growth %	11.1%	26.5%	4.6%	12.1%	1.0%	4.1%	-2.1%	10.7%	-1.6%	16.9%	8.0%	21.9%	13.0%	32.0%	28.1%	19.4%	10.0%
↳ NII QoQ Growth %	—	10.8%	—	7.4%	—	3.6%	2.7%	—	-1.9%	—	-0.2%	—	-2.6%	3.2%	—	—	—
Employee Cost	1,460	384	1,076	370	707	356	351	1,210	327	883	309	574	296	278	975	778	699
Other Admin Expenses	989	282	707	263	443	231	212	732	211	521	181	340	175	165	630	507	440
Total Operating Expenses	2,449	666	1,783	633	1,150	587	563	1,943	538	1,405	491	914	471	443	1,605	1,285	1,139
↳ YoY Growth %	-0.0%	20.7%	-8.6%	-1.1%	-11.8%	-6.6%	-16.2%	-0.5%	-18.9%	9.7%	-5.5%	17.7%	5.5%	30.3%	19.3%	74.1%	27.5%
↳ QoQ Growth %	—	21.3%	—	-1.1%	—	-6.4%	7.5%	—	-0.6%	—	-6.6%	—	-16.1%	4.1%	—	—	—
Pre-Provision Operating Profit	1,188	335	853	276	577	279	298	1,188	277	934	279	654	299	356	1,193	1,000	575
↳ PPOP YoY Growth %	-0.0%	20.7%	-8.6%	-1.1%	-11.8%	-6.6%	-16.2%	-0.5%	-18.9%	9.7%	-5.5%	17.7%	5.5%	30.3%	19.3%	74.1%	27.5%
↳ PPOP QoQ Growth %	—	21.3%	—	-1.1%	—	-6.4%	7.5%	—	-0.6%	—	-6.6%	—	-16.1%	4.1%	—	—	—
Total Provisions	861	195	666	266	400	204	196	714	158	580	174	406	210	196	679	744	569
Exceptional Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax (PBT)	326	140	187	10	177	75	102	474	120	354	105	249	88	160	514	256	5
Income Tax	0	0	0	0	0	0	0	-28	-4	-24	-5	-19	-8	-10	-155	—	—
Net Profit / PAT	326	140	187	10	177	75	102	501	123	378	111	267	97	171	670	256	5
↳ PAT YoY Growth %	-34.9%	13.2%	-50.6%	-91.2%	-33.8%	-22.5%	-40.3%	-25.1%	-61.6%	8.7%	-17.8%	25.4%	-21.3%	88.8%	161.6%	4635.1%	-93.6%
↳ PAT QoQ Growth %	—	1342.3%	—	-87.1%	—	-26.4%	-17.5%	—	11.6%	—	14.4%	—	-43.3%	-47.0%	—	—	—
BALANCE SHEET & BUSINESS (₹ Crores)
Total Assets	47,448	47,448	43,322	43,322	42,188	42,188	39,367	38,464	38,464	35,051	35,051	33,434	33,434	33,294	32,710	25,644	20,189
Networth	4,216	4,216	4,036	4,036	4,029	4,029	3,975	3,874	3,874	3,736	3,736	3,636	3,636	3,553	3,391	1,777	1,335
Equity Share Capital	105	105	105	105	105	105	105	105	105	105	105	105	105	105	105	55	51
Reserves	4,328	4,328	4,173	4,173	4,163	4,163	4,088	3,987	3,987	3,840	3,840	3,729	3,729	3,633	3,462	1,472	1,133
Gross Advances	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
↳ Gross Advances YoY %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Advances	33,828	33,828	31,496	31,496	29,743	29,743	27,825	27,155	27,155	26,514	26,514	24,861	24,861	24,207	23,111	17,760	13,007
↳ Net Advances YoY %	24.6%	24.6%	18.8%	18.8%	19.6%	19.6%	14.9%	17.5%	17.5%	20.7%	20.7%	18.3%	18.3%	31.0%	30.1%	36.5%	12.0%
Total Deposits	35,784	35,784	33,733	33,733	32,532	32,532	29,426	29,120	29,120	25,865	25,865	24,808	24,808	23,710	22,571	16,334	13,536
↳ Deposit YoY %	22.9%	22.9%	30.4%	30.4%	31.1%	31.1%	24.1%	29.0%	29.0%	24.4%	24.4%	31.0%	31.0%	41.1%	38.2%	20.7%	9.3%
Savings Deposits	—	—	4,854	4,854	4,287	4,287	3,764	3,809	3,809	3,429	3,429	3,580	3,580	3,485	3,198	2,589	2,283
↳ Savings YoY %	—	—	41.6%	41.6%	—	19.8%	8.0%	19.1%	19.1%	22.3%	22.3%	—	28.3%	47.1%	23.6%	13.4%	59.9%
Current Deposits	—	—	1,888	1,888	1,673	1,673	1,469	1,426	1,426	1,338	1,338	1,397	1,397	1,361	1,249	712	766
↳ Current YoY %	—	—	41.1%	41.1%	—	19.8%	8.0%	14.2%	14.2%	22.3%	22.3%	—	28.3%	47.1%	75.3%	-7.0%	18.2%
CASA Deposits	6,418	6,418	6,742	6,742	5,960	5,960	5,233	5,235	5,235	4,767	4,767	4,977	4,977	4,846	4,447	3,301	3,049
↳ CASA YoY %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS (₹)	30.99	13.27	17.73	0.92	16.81	7.13	9.69	47.73	11.75	36.09	10.56	25.56	9.25	16.31	64.02	46.56	1.05
KEY RATIOS
NIM %	6.70%	7.20%	6.70%	6.60%	6.75%	6.60%	6.90%	7.60%	7.40%	7.70%	7.30%	7.80%	7.70%	8.00%	8.00%	7.84%	7.26%
Cost to Income %	67.34%	66.57%	67.64%	69.64%	66.58%	67.79%	65.38%	62.05%	65.98%	60.07%	63.75%	58.27%	61.19%	55.45%	57.35%	56.22%	66.46%
GNPA %	2.46%	2.46%	2.59%	2.59%	2.87%	2.87%	2.91%	2.71%	2.71%	2.80%	2.80%	2.97%	2.97%	2.62%	2.11%	3.94%	5.71%
NNPA %	1.26%	1.26%	0.94%	0.94%	0.94%	0.94%	0.94%	0.94%	0.94%	0.94%	0.94%	0.99%	0.99%	0.99%	0.56%	2.64%	3.95%
PCR %	63.10%	63.10%	64.44%	64.44%	67.77%	67.77%	68.15%	66.09%	66.09%	66.94%	66.94%	67.23%	67.23%	62.73%	73.70%	34.01%	32.19%
ROA %	0.79%	1.26%	0.62%	0.09%	0.90%	0.74%	1.07%	1.49%	1.40%	1.52%	1.30%	1.63%	1.17%	2.10%	2.38%	1.13%	0.09%
ROE %	7.60%	12.80%	5.80%	0.90%	8.45%	7.10%	9.80%	13.00%	12.30%	13.50%	11.40%	14.50%	10.20%	18.80%	26.90%	16.70%	1.53%
CASA Ratio %	17.94%	17.94%	19.99%	19.99%	18.32%	18.32%	17.78%	17.98%	17.98%	18.43%	18.43%	20.06%	20.06%	20.44%	19.70%	20.21%	22.52%
CAR %	19.38%	19.38%	19.17%	19.17%	19.72%	19.72%	19.97%	20.68%	20.68%	18.39%	18.39%	18.81%	18.81%	19.29%	20.31%	15.57%	15.26%
COST RATIOS AS % TO TOTAL INCOME
Interest / Disc. on Advances	89.79%	90.58%	89.50%	88.95%	89.79%	90.06%	89.51%	90.55%	90.71%	90.56%	91.15%	90.26%	91.07%	89.45%	90.11%	88.51%	88.47%
Income on Investments	9.13%	8.93%	9.20%	9.72%	8.92%	8.88%	8.96%	8.08%	7.26%	8.30%	7.50%	8.70%	8.07%	9.33%	8.70%	10.58%	9.39%
Interest on Bal with RBI	0.85%	0.49%	0.99%	0.53%	1.23%	1.06%	1.41%	1.34%	1.90%	1.14%	1.35%	1.04%	0.86%	1.22%	1.19%	0.92%	2.15%
Others (Fund Income)	0.23%	0.00%	0.32%	0.80%	0.06%	0.00%	0.12%	0.03%	0.13%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Other Income	19.01%	18.39%	19.24%	17.82%	20.01%	18.97%	21.09%	16.61%	19.76%	15.44%	15.07%	15.63%	15.06%	16.20%	16.72%	20.32%	11.87%
Total Interest Expense	51.34%	49.08%	52.18%	51.64%	52.46%	52.60%	52.32%	49.59%	50.88%	48.83%	49.67%	48.41%	49.07%	47.75%	46.99%	46.02%	49.03%
Net Interest Income	48.66%	50.92%	47.82%	48.36%	47.54%	47.40%	47.68%	50.41%	49.12%	51.17%	50.33%	51.59%	50.93%	52.25%	53.01%	53.98%	50.97%
Employee Cost	27.17%	26.58%	27.38%	26.91%	27.63%	27.25%	28.03%	25.91%	27.64%	25.16%	26.28%	24.59%	25.39%	23.79%	24.29%	25.29%	25.64%
Admin Expenses	18.40%	19.55%	17.98%	19.17%	17.34%	17.74%	16.93%	15.67%	17.80%	14.85%	15.41%	14.57%	14.99%	14.16%	15.70%	16.49%	16.13%
Total Operating Expenses	45.57%	46.14%	45.36%	46.08%	44.97%	44.99%	44.96%	41.59%	45.44%	40.01%	41.69%	39.16%	40.38%	37.95%	39.99%	41.77%	41.77%
PPOP	22.10%	23.17%	21.70%	20.09%	22.57%	21.38%	23.81%	25.43%	23.43%	26.59%	23.70%	28.05%	25.61%	30.49%	29.74%	32.53%	21.08%
Provisions	16.02%	13.49%	16.96%	19.38%	15.65%	15.63%	15.67%	15.29%	13.31%	16.51%	14.76%	17.40%	18.03%	16.76%	16.92%	24.21%	20.88%
PBT	6.07%	9.68%	4.75%	0.71%	6.92%	5.75%	8.14%	10.14%	10.12%	10.08%	8.95%	10.65%	7.58%	13.73%	12.82%	8.32%	0.20%
Income Tax	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-0.59%	-0.31%	-0.69%	-0.45%	-0.80%	-0.72%	-0.89%	-3.87%	0.00%	0.00%
PAT	6.07%	9.68%	4.75%	0.71%	6.92%	5.75%	8.14%	10.74%	10.43%	10.77%	9.40%	11.46%	8.29%	14.62%	16.68%	8.32%	0.20%

Equitas Small Finance Bank

Figures in ₹ Crores

Download PDF

Net Profit (₹ Cr)

₹103

FY26

NIM %

6.69%

FY26

GNPA %

2.60%

FY26

NNPA %

0.72%

FY26

ROE %

1.73%

FY26

ROA %

0.18%

FY26

Particulars	FY26							FY25							FY24	FY23	FY22
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	FY23	FY22
INCOME STATEMENT (₹ Crores)
Interest / Disc. on Advances	5,971	1,632	4,339	1,495	2,844	1,410	1,434	5,563	1,448	4,116	1,425	2,691	1,366	1,325	4,921	3,765	3,139
Income on Investments	661	168	493	169	324	163	161	647	159	488	164	324	170	154	540	316	246
Interest on Bal with RBI & Others	162	37	125	28	98	44	54	101	37	64	23	41	19	22	26	82	74
Others	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Fund Based Income	6,794	1,836	4,958	1,692	3,266	1,617	1,649	6,312	1,644	4,668	1,612	3,056	1,555	1,501	5,486	4,162	3,459
↳ YoY Growth %	7.6%	11.7%	6.2%	4.9%	6.9%	4.0%	9.9%	15.0%	13.8%	15.5%	12.8%	16.9%	14.4%	19.7%	31.8%	20.3%	8.3%
↳ QoQ Growth %	—	8.6%	—	4.6%	—	-1.9%	0.3%	—	2.0%	—	3.7%	—	3.6%	3.9%	—	—	—
Other Income	1,074	263	810	289	521	229	292	911	225	686	238	448	239	209	799	670	534
Total Income	7,868	2,100	5,768	1,981	3,787	1,846	1,941	7,223	1,869	5,354	1,850	3,503	1,794	1,710	6,285	4,831	3,993
↳ YoY Growth %	11.2%	5.1%	13.4%	5.9%	17.5%	12.1%	23.4%	27.2%	23.6%	28.5%	23.3%	31.5%	26.8%	36.9%	48.8%	13.8%	1.8%
↳ QoQ Growth %	—	1.9%	—	-0.4%	—	-2.3%	6.0%	—	2.6%	—	5.4%	—	7.6%	6.2%	—	—	—
Total Interest Expense	3,403	856	2,547	840	1,707	844	863	3,060	815	2,246	794	1,452	753	699	2,407	1,617	1,421
↳ YoY Growth %	11.2%	5.1%	13.4%	5.9%	17.5%	12.1%	23.4%	27.2%	23.6%	28.5%	23.3%	31.5%	26.8%	36.9%	48.8%	13.8%	1.8%
↳ QoQ Growth %	—	1.9%	—	-0.4%	—	-2.3%	6.0%	—	2.6%	—	5.4%	—	7.6%	6.2%	—	—	—
Net Interest Income (NII)	3,391	980	2,411	852	1,559	774	786	3,252	829	2,422	818	1,604	802	801	3,080	2,545	2,038
↳ NII YoY Growth %	4.3%	18.2%	-0.5%	4.1%	-2.8%	-3.6%	-2.0%	5.6%	5.5%	5.6%	4.2%	6.3%	4.8%	7.9%	21.0%	24.9%	13.4%
↳ NII QoQ Growth %	—	15.1%	—	10.1%	—	-1.5%	-5.3%	—	1.3%	—	2.0%	—	0.1%	2.0%	—	—	—
Employee Cost	1,964	514	1,450	516	934	474	460	1,621	418	1,203	425	777	402	375	1,369	1,097	898
Other Admin Expenses	1,236	327	909	318	591	288	303	1,208	325	883	298	584	289	295	1,132	942	806
Total Operating Expenses	3,200	841	2,359	834	1,525	762	763	2,829	744	2,085	724	1,361	692	670	2,501	2,038	1,704
↳ YoY Growth %	-5.2%	29.3%	-15.7%	-7.7%	-19.5%	-31.2%	-7.5%	-3.1%	-16.9%	2.0%	-7.6%	7.4%	5.9%	9.1%	17.1%	35.5%	-2.1%
↳ QoQ Growth %	—	31.0%	—	27.7%	—	-23.6%	1.1%	—	-6.5%	—	-4.8%	—	2.7%	-9.2%	—	—	—
Pre-Provision Operating Profit	1,265	402	863	307	555	241	315	1,334	311	1,023	333	690	350	340	1,377	1,176	868
↳ PPOP YoY Growth %	-5.2%	29.3%	-15.7%	-7.7%	-19.5%	-31.2%	-7.5%	-3.1%	-16.9%	2.0%	-7.6%	7.4%	5.9%	9.1%	17.1%	35.5%	-2.1%
↳ PPOP QoQ Growth %	—	31.0%	—	27.7%	—	-23.6%	1.1%	—	-6.5%	—	-4.8%	—	2.7%	-9.2%	—	—	—
Total Provisions	1,137	124	1,013	193	819	207	612	1,135	258	877	243	634	330	305	314	407	490
Exceptional Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax (PBT)	128	278	-150	114	-264	34	-297	199	53	146	90	56	20	36	1,063	769	378
Income Tax	25	66	-41	24	-64	9	-74	52	11	41	23	17	7	10	264	195	97
Net Profit / PAT	103	213	-110	90	-200	24	-224	147	42	105	66	39	13	26	799	574	281
↳ PAT YoY Growth %	-29.9%	405.1%	—	35.8%	—	87.3%	—	-81.6%	-79.7%	-82.3%	-67.2%	-90.1%	-93.5%	-86.5%	39.3%	104.3%	-26.9%
↳ PAT QoQ Growth %	—	136.2%	—	273.0%	—	—	—	—	-36.5%	—	414.7%	—	-50.0%	-87.6%	—	—	—
BALANCE SHEET & BUSINESS (₹ Crores)
Total Assets	60,610	60,610	55,786	55,786	55,431	55,431	53,934	52,836	52,836	50,823	50,823	48,634	48,634	46,446	45,304	34,958	26,948
Networth	5,582	5,582	5,384	5,384	5,323	5,323	5,308	5,593	5,593	5,538	5,538	5,467	5,467	5,520	5,537	4,797	3,972
Equity Share Capital	1,141	1,141	1,141	1,141	1,141	1,141	1,140	1,140	1,140	1,139	1,139	1,138	1,138	1,136	1,135	1,111	1,252
Reserves	4,984	4,984	4,823	4,823	4,733	4,733	4,709	4,933	4,933	4,939	4,939	4,872	4,872	4,860	4,834	4,047	2,994
Gross Advances	46,165	46,165	43,268	43,268	39,123	39,123	37,610	37,986	37,986	37,344	37,344	36,053	36,053	34,871	34,337	27,861	20,597
↳ Gross Advances YoY %	21.5%	21.5%	15.9%	15.9%	8.5%	8.5%	7.9%	10.6%	10.6%	13.9%	13.9%	15.4%	15.4%	17.8%	23.2%	35.3%	14.9%
Net Advances	42,751	42,751	39,846	39,846	36,352	36,352	34,741	36,209	36,209	35,386	35,386	33,963	33,963	31,926	30,964	25,799	19,374
↳ Net Advances YoY %	18.1%	18.1%	12.6%	12.6%	7.0%	7.0%	8.8%	16.9%	16.9%	21.1%	21.1%	18.1%	18.1%	16.0%	20.0%	33.2%	15.0%
Total Deposits	46,533	46,533	43,668	43,668	44,094	44,094	44,379	43,107	43,107	40,738	40,738	39,753	39,753	37,524	36,129	25,381	18,951
↳ Deposit YoY %	7.9%	7.9%	7.2%	7.2%	10.9%	10.9%	18.3%	19.3%	19.3%	25.8%	25.8%	28.9%	28.9%	35.4%	42.3%	33.9%	15.6%
Savings Deposits	10,662	10,662	11,611	11,611	11,856	11,856	10,800	10,762	10,762	10,176	10,176	10,728	10,728	10,551	10,337	9,758	9,083
↳ Savings YoY %	-0.9%	-0.9%	14.1%	14.1%	10.5%	10.5%	2.4%	4.1%	4.1%	5.2%	5.2%	12.5%	12.5%	7.7%	5.9%	7.4%	78.3%
Current Deposits	1,536	1,536	1,275	1,275	1,766	1,766	2,253	1,648	1,648	1,492	1,492	1,456	1,456	1,173	1,215	974	772
↳ Current YoY %	-6.8%	-6.8%	-14.5%	-14.5%	21.3%	21.3%	92.1%	35.6%	35.6%	62.0%	62.0%	78.9%	78.9%	39.5%	24.7%	26.2%	48.4%
CASA Deposits	12,198	12,198	12,886	12,886	13,622	13,622	13,053	12,410	12,410	11,668	11,668	12,184	12,184	11,724	11,552	10,732	9,855
↳ CASA YoY %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS (₹)	0.90	1.86	-0.96	0.79	-1.75	0.21	-1.96	1.29	0.37	0.92	0.58	0.34	0.11	0.23	7.04	5.16	2.24
KEY RATIOS
NIM %	6.69%	7.29%	6.52%	6.72%	6.42%	6.29%	6.55%	7.51%	7.13%	7.68%	7.39%	7.79%	7.69%	7.97%	8.36%	9.00%	8.54%
Cost to Income %	71.67%	67.64%	73.22%	73.08%	73.30%	76.01%	70.79%	67.95%	70.49%	67.09%	68.50%	66.36%	66.41%	66.30%	64.49%	63.41%	66.26%
GNPA %	2.60%	2.60%	2.75%	2.75%	2.92%	2.92%	2.92%	2.89%	2.89%	2.97%	2.97%	2.95%	2.95%	2.73%	2.61%	2.76%	4.24%
NNPA %	0.72%	0.72%	0.92%	0.92%	0.98%	0.98%	0.98%	0.98%	0.98%	0.96%	0.96%	0.97%	0.97%	0.83%	1.17%	1.21%	2.47%
PCR %	73.03%	73.03%	67.10%	67.10%	66.93%	66.93%	67.03%	66.83%	66.83%	68.28%	68.28%	67.71%	67.71%	70.29%	56.06%	56.90%	42.73%
ROA %	0.18%	1.44%	-0.27%	0.64%	-0.74%	0.16%	-1.64%	0.30%	0.32%	0.29%	0.52%	0.17%	0.12%	0.24%	1.96%	1.82%	1.07%
ROE %	1.69%	—	—	—	—	—	—	2.44%	—	—	—	—	—	—	14.36%	12.20%	7.35%
CASA Ratio %	26.21%	26.21%	29.51%	29.51%	30.89%	30.89%	29.41%	28.79%	28.79%	28.64%	28.64%	30.65%	30.65%	31.24%	31.97%	42.28%	52.00%
CAR %	20.31%	20.31%	20.47%	20.47%	20.74%	20.74%	20.48%	20.60%	20.60%	20.29%	20.29%	19.36%	19.36%	20.55%	21.70%	23.80%	25.16%
COST RATIOS AS % TO TOTAL INCOME
Interest / Disc. on Advances	87.88%	88.86%	87.52%	88.37%	87.09%	87.20%	86.97%	88.14%	88.06%	88.17%	88.40%	88.05%	87.85%	88.25%	89.69%	90.46%	90.75%
Income on Investments	9.73%	9.13%	9.95%	10.01%	9.92%	10.07%	9.78%	10.26%	9.70%	10.45%	10.16%	10.61%	10.93%	10.28%	9.84%	7.58%	7.10%
Interest on Bal with RBI	2.39%	2.01%	2.53%	1.63%	2.99%	2.73%	3.25%	1.60%	2.24%	1.37%	1.44%	1.34%	1.22%	1.47%	0.47%	1.96%	2.15%
Others (Fund Income)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Other Income	15.80%	14.35%	16.34%	17.11%	15.94%	14.16%	17.69%	14.44%	13.71%	14.70%	14.79%	14.65%	15.37%	13.90%	14.56%	16.09%	15.43%
Total Interest Expense	50.09%	46.63%	51.37%	49.66%	52.26%	52.16%	52.35%	48.48%	49.55%	48.11%	49.23%	47.52%	48.40%	46.60%	43.87%	38.86%	41.08%
Net Interest Income	49.91%	53.37%	48.63%	50.34%	47.74%	47.84%	47.65%	51.52%	50.45%	51.89%	50.77%	52.48%	51.60%	53.40%	56.13%	61.14%	58.92%
Employee Cost	28.91%	28.00%	29.25%	30.52%	28.59%	29.29%	27.90%	25.68%	25.45%	25.76%	26.40%	25.43%	25.88%	24.96%	24.95%	26.35%	25.97%
Admin Expenses	18.19%	17.81%	18.33%	18.78%	18.10%	17.83%	18.36%	19.14%	19.78%	18.91%	18.52%	19.12%	18.59%	19.66%	20.64%	22.63%	23.30%
Total Operating Expenses	47.09%	45.80%	47.57%	49.29%	46.68%	47.12%	46.25%	44.82%	45.23%	44.67%	44.91%	44.55%	44.47%	44.62%	45.59%	48.98%	49.26%
PPOP	18.62%	21.92%	17.40%	18.16%	17.00%	14.87%	19.09%	21.14%	18.94%	21.92%	20.65%	22.58%	22.49%	22.68%	25.11%	28.26%	25.08%
Provisions	16.73%	6.76%	20.43%	11.44%	25.08%	12.80%	37.13%	17.99%	15.69%	18.80%	15.08%	20.76%	21.20%	20.30%	5.73%	9.78%	14.15%
PBT	1.89%	15.16%	-3.03%	6.72%	-8.08%	2.07%	-18.04%	3.15%	3.24%	3.12%	5.57%	1.83%	1.29%	2.38%	19.38%	18.47%	10.93%
Income Tax	0.37%	3.58%	-0.82%	1.40%	-1.97%	0.58%	-4.47%	0.82%	0.68%	0.87%	1.45%	0.56%	0.46%	0.67%	4.81%	4.69%	2.81%
PAT	1.52%	11.58%	-2.21%	5.32%	-6.11%	1.49%	-13.57%	2.33%	2.56%	2.25%	4.11%	1.26%	0.83%	1.72%	14.56%	13.78%	8.12%

UJJ

Ujjivan Small Finance Bank

Figures in ₹ Crores

Download PDF

Net Profit (₹ Cr)

₹693

FY26

NIM %

8.10%

FY26

GNPA %

2.26%

FY26

NNPA %

0.43%

FY26

ROE %

10.90%

FY26

ROA %

1.37%

FY26

Particulars	FY26							FY25							FY24	FY23	FY22
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	FY23	FY22
INCOME STATEMENT (₹ Crores)
Interest / Disc. on Advances	6,077	1,658	4,419	1,548	2,872	1,473	1,399	5,526	1,360	4,166	1,382	2,784	1,405	1,379	4,973	3,708	2,576
Income on Investments	830	216	614	199	415	203	212	806	209	597	202	395	201	194	679	411	185
Interest on Bal with RBI & Others	16	2	14	3	11	5	6	11	3	8	5	4	3	1	11	18	52
Others	8	2	6	2	4	2	2	12	2	9	3	7	4	3	15	28	0
Total Fund Based Income	6,931	1,878	5,053	1,752	3,301	1,682	1,619	6,354	1,573	4,781	1,591	3,190	1,613	1,577	5,677	4,165	2,813
↳ YoY Growth %	9.1%	19.4%	5.7%	10.1%	3.5%	4.3%	2.6%	11.9%	2.9%	15.2%	8.2%	19.1%	15.9%	22.6%	36.3%	48.1%	0.2%
↳ QoQ Growth %	—	6.7%	—	5.6%	—	3.8%	1.3%	—	4.5%	—	-3.1%	—	2.6%	0.5%	—	—	—
Other Income	1,108	307	801	295	505	256	249	846	270	577	172	404	207	197	787	560	315
Total Income	8,039	2,185	5,854	2,047	3,806	1,939	1,868	7,201	1,843	5,358	1,763	3,594	1,820	1,774	6,464	4,725	3,128
↳ YoY Growth %	11.6%	18.6%	9.3%	16.1%	5.9%	6.5%	5.3%	11.4%	4.4%	14.0%	6.5%	18.1%	15.2%	21.2%	36.8%	51.1%	0.3%
↳ QoQ Growth %	—	6.7%	—	5.6%	—	3.8%	1.3%	—	4.5%	—	-3.1%	—	2.6%	0.5%	—	—	—
Total Interest Expense	3,060	785	2,275	751	1,524	761	763	2,718	709	2,009	704	1,305	669	636	2,268	1,467	1,039
↳ YoY Growth %	12.6%	10.8%	13.2%	6.7%	16.8%	13.7%	20.0%	19.9%	19.2%	20.1%	15.3%	22.9%	17.8%	28.6%	54.6%	41.2%	-3.6%
↳ QoQ Growth %	—	4.5%	—	-1.2%	—	-0.3%	7.6%	—	0.7%	—	5.3%	—	5.2%	6.8%	—	—	—
Net Interest Income (NII)	3,871	1,093	2,778	1,000	1,778	922	856	3,636	864	2,772	887	1,885	944	941	3,409	2,698	1,774
↳ NII YoY Growth %	6.5%	26.4%	0.2%	12.8%	-5.7%	-2.3%	-9.1%	6.7%	-7.4%	12.0%	3.1%	16.7%	14.6%	18.8%	26.4%	52.1%	2.6%
↳ NII QoQ Growth %	—	9.2%	—	8.5%	—	7.7%	-1.0%	—	-2.5%	—	-6.0%	—	0.2%	0.8%	—	—	—
Employee Cost	1,791	470	1,321	474	847	435	412	1,499	420	1,080	371	709	368	340	1,183	920	813
Other Admin Expenses	1,477	415	1,062	382	680	347	333	1,294	355	939	329	611	322	289	1,096	882	683
Total Operating Expenses	3,268	885	2,383	856	1,527	783	744	2,793	774	2,019	700	1,319	690	629	2,279	1,802	1,496
↳ YoY Growth %	1.2%	43.0%	-10.1%	22.4%	-22.1%	-14.2%	-29.3%	-11.9%	-30.6%	-4.9%	-21.5%	3.1%	-4.7%	11.3%	31.7%	145.7%	-26.8%
↳ QoQ Growth %	—	17.0%	—	11.3%	—	9.6%	0.2%	—	0.2%	—	-22.1%	—	-9.6%	-1.7%	—	—	—
Pre-Provision Operating Profit	1,710	515	1,196	440	756	395	360	1,689	360	1,329	359	970	461	510	1,917	1,456	592
↳ PPOP YoY Growth %	1.2%	43.0%	-10.1%	22.4%	-22.1%	-14.2%	-29.3%	-11.9%	-30.6%	-4.9%	-21.5%	3.1%	-4.7%	11.3%	31.7%	145.7%	-26.8%
↳ PPOP QoQ Growth %	—	17.0%	—	11.3%	—	9.6%	0.2%	—	0.2%	—	-22.1%	—	-9.6%	-1.7%	—	—	—
Total Provisions	799	144	655	195	460	235	225	748	264	483	223	260	151	110	215	-12	1,142
Exceptional Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax (PBT)	911	371	540	244	296	160	136	942	95	846	136	710	310	400	1,702	1,467	-550
Income Tax	218	89	130	59	71	39	32	215	12	204	28	176	77	99	421	367	-136
Net Profit / PAT	693	282	411	186	225	122	103	726	83	643	109	534	233	301	1,281	1,100	-414
↳ PAT YoY Growth %	-4.6%	238.1%	-36.1%	71.0%	-57.9%	-47.8%	-65.7%	-43.3%	-74.7%	-32.5%	-63.8%	-18.1%	-28.9%	-7.1%	16.5%	—	—
↳ PAT QoQ Growth %	—	51.8%	—	52.6%	—	17.9%	23.8%	—	-23.2%	—	-53.4%	—	-22.6%	-8.7%	—	—	—
BALANCE SHEET & BUSINESS (₹ Crores)
Total Assets	57,541	57,541	52,299	52,299	9,614	9,614	49,111	47,689	47,689	45,226	45,226	43,619	43,619	42,050	40,422	33,317	23,604
Networth	6,816	6,816	6,519	6,519	6,323	6,323	6,191	6,083	6,083	5,996	5,996	5,882	5,882	5,927	5,613	4,136	2,560
Equity Share Capital	1,943	1,943	1,938	1,938	1,937	1,937	1,935	1,935	1,935	1,935	1,935	1,934	1,934	1,933	1,931	1,955	1,728
Reserves	4,873	4,873	4,808	4,808	4,622	4,622	4,252	4,148	4,148	4,501	4,501	4,393	4,393	3,911	3,610	2,181	832
Gross Advances	40,655	40,655	37,057	37,057	34,588	34,588	33,287	32,122	32,122	30,466	30,466	30,344	30,344	30,069	29,780	24,085	18,162
↳ Gross Advances YoY %	26.6%	26.6%	21.6%	21.6%	14.0%	14.0%	10.7%	7.9%	7.9%	9.8%	9.8%	14.2%	14.2%	18.7%	23.6%	32.6%	20.0%
Net Advances	39,761	39,761	36,228	36,228	33,970	33,808	32,501	31,390	31,390	29,820	29,621	29,758	29,179	29,483	26,883	21,290	16,978
↳ Net Advances YoY %	26.7%	26.7%	21.5%	22.3%	14.2%	15.9%	10.2%	16.8%	16.8%	9.6%	15.6%	14.4%	20.0%	19.2%	26.3%	25.4%	17.1%
Total Deposits	45,668	45,668	42,223	42,223	39,211	39,211	38,619	37,630	37,630	34,494	34,494	34,070	34,070	32,514	31,462	25,538	18,292
↳ Deposit YoY %	21.4%	21.4%	22.4%	22.4%	15.1%	15.1%	18.8%	19.6%	19.6%	16.3%	16.3%	16.9%	16.9%	22.0%	23.2%	39.6%	39.3%
Savings Deposits	0	—	0	—	0	—	—	0	—	0	—	0	—	—	0	0	0
↳ Savings YoY %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Current Deposits	0	—	0	—	0	—	—	0	—	0	—	0	—	—	0	0	0
↳ Current YoY %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
CASA Deposits	11,645	11,645	11,535	11,535	10,783	10,783	9,381	9,612	9,612	8,662	8,662	8,832	8,832	8,334	8,335	6,744	4,993
↳ CASA YoY %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS (₹)	3.57	1.45	2.12	0.96	1.16	0.63	0.53	3.75	0.43	3.32	0.56	2.76	1.20	1.56	6.63	5.63	-2.40
KEY RATIOS
NIM %	8.10%	8.50%	7.90%	8.20%	7.80%	7.90%	7.70%	8.80%	8.30%	9.00%	8.60%	9.25%	9.20%	9.30%	9.10%	9.50%	8.80%
Cost to Income %	65.65%	63.23%	66.60%	66.06%	66.90%	66.45%	67.38%	62.31%	68.28%	60.30%	66.08%	57.62%	59.97%	55.25%	54.31%	55.32%	71.63%
GNPA %	2.26%	2.26%	2.38%	2.38%	2.45%	2.45%	2.52%	2.18%	2.18%	2.68%	2.68%	2.52%	2.52%	2.52%	2.23%	2.88%	7.34%
NNPA %	0.43%	0.43%	0.37%	0.37%	0.67%	0.67%	0.70%	0.49%	0.49%	0.56%	0.56%	0.56%	0.56%	0.41%	0.28%	0.04%	0.61%
PCR %	81.41%	81.41%	76.34%	76.34%	73.31%	73.31%	72.90%	78.10%	78.10%	79.67%	79.67%	78.12%	78.12%	84.05%	87.54%	98.57%	92.24%
ROA %	1.37%	0.51%	0.84%	0.37%	0.23%	0.25%	0.21%	1.67%	0.18%	0.56%	0.25%	0.64%	0.55%	0.73%	3.47%	1.01%	-1.90%
ROE %	10.90%	17.20%	8.70%	11.50%	7.20%	7.70%	6.70%	12.40%	5.60%	14.60%	8.80%	18.30%	15.70%	20.90%	26.10%	31.40%	-13.80%
CASA Ratio %	25.50%	25.50%	27.32%	27.32%	27.50%	27.50%	24.29%	25.54%	25.54%	25.11%	25.11%	25.92%	25.92%	25.63%	26.49%	26.41%	27.30%
CAR %	21.14%	21.14%	21.62%	21.62%	21.36%	21.36%	22.77%	23.10%	23.10%	23.90%	23.90%	23.38%	23.38%	24.85%	24.69%	25.81%	18.99%
COST RATIOS AS % TO TOTAL INCOME
Interest / Disc. on Advances	87.68%	88.29%	87.45%	88.34%	86.99%	87.54%	86.41%	86.96%	86.42%	87.14%	86.85%	87.28%	87.14%	87.43%	87.60%	89.02%	91.57%
Income on Investments	11.98%	11.50%	12.16%	11.38%	12.57%	12.07%	13.09%	12.68%	13.26%	12.49%	12.70%	12.39%	12.46%	12.30%	11.95%	9.86%	6.58%
Interest on Bal with RBI	0.23%	0.13%	0.27%	0.18%	0.32%	0.27%	0.37%	0.17%	0.16%	0.18%	0.28%	0.12%	0.16%	0.09%	0.19%	0.43%	1.84%
Others (Fund Income)	0.11%	0.09%	0.12%	0.10%	0.13%	0.12%	0.13%	0.19%	0.16%	0.20%	0.17%	0.21%	0.23%	0.18%	0.26%	0.68%	0.00%
Other Income	15.98%	16.33%	15.85%	16.87%	15.31%	15.24%	15.38%	13.32%	17.14%	12.06%	10.82%	12.68%	12.85%	12.50%	13.86%	13.44%	11.20%
Total Interest Expense	44.15%	41.82%	45.02%	42.89%	46.15%	45.21%	47.13%	42.78%	45.07%	42.02%	44.27%	40.90%	41.48%	40.31%	39.94%	35.22%	36.95%
Net Interest Income	55.85%	58.18%	54.98%	57.11%	53.85%	54.79%	52.87%	57.22%	54.93%	57.98%	55.73%	59.10%	58.52%	59.69%	60.06%	64.78%	63.05%
Employee Cost	25.84%	25.02%	26.14%	27.05%	25.66%	25.88%	25.43%	23.60%	26.67%	22.59%	23.33%	22.22%	22.84%	21.57%	20.84%	22.09%	28.89%
Admin Expenses	21.31%	22.10%	21.02%	21.82%	20.60%	20.65%	20.55%	20.36%	22.54%	19.64%	20.65%	19.14%	19.95%	18.31%	19.30%	21.17%	24.30%
Total Operating Expenses	47.15%	47.12%	47.17%	48.87%	46.26%	46.53%	45.99%	43.96%	49.21%	42.23%	43.98%	41.36%	42.80%	39.88%	40.15%	43.27%	53.19%
PPOP	24.67%	27.40%	23.66%	25.10%	22.89%	23.49%	22.27%	26.58%	22.87%	27.81%	22.57%	30.42%	28.57%	32.31%	33.77%	34.95%	21.06%
Provisions	11.53%	7.66%	12.97%	11.15%	13.93%	13.97%	13.90%	11.77%	16.81%	10.11%	14.00%	8.16%	9.33%	6.96%	3.79%	-0.28%	40.62%
PBT	13.14%	19.74%	10.69%	13.95%	8.96%	9.53%	8.37%	14.82%	6.05%	17.70%	8.57%	22.26%	19.24%	25.34%	29.98%	35.23%	-19.56%
Income Tax	3.15%	4.73%	2.57%	3.35%	2.15%	2.29%	2.00%	3.39%	0.75%	4.26%	1.74%	5.51%	4.79%	6.25%	7.41%	8.82%	-4.83%
PAT	9.99%	15.01%	8.13%	10.60%	6.81%	7.24%	6.38%	11.43%	5.30%	13.44%	6.83%	16.74%	14.45%	19.09%	22.57%	26.41%	-14.73%

UTK

Utkarsh Small Finance Bank

Figures in ₹ Crores

Download PDF

Net Profit (₹ Cr)

−₹1,151

FY26

NIM %

5.40%

FY26

GNPA %

7.71%

FY26

NNPA %

3.29%

FY26

ROE %

-42.10%

FY26

ROA %

-4.16%

FY26

Particulars	FY26							FY25							FY24	FY23	FY22
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	FY23	FY22
INCOME STATEMENT (₹ Crores)
Interest / Disc. on Advances	2,846	695	2,151	680	1,470	714	756	3,337	764	2,573	827	1,746	880	867	2,880	2,278	1,646
Income on Investments	402	119	282	114	168	87	81	278	78	200	70	129	68	61	209	151	155
Interest on Bal with RBI & Others	131	22	109	27	82	39	44	150	37	113	35	77	39	38	89	76	48
Others	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Fund Based Income	3,379	837	2,542	821	1,721	840	881	3,765	880	2,885	932	1,953	987	966	3,178	2,505	1,849
↳ YoY Growth %	-10.3%	-4.9%	-11.9%	-11.9%	-11.9%	-14.9%	-8.8%	18.5%	-1.8%	26.4%	15.7%	32.2%	30.5%	34.1%	26.9%	35.5%	16.9%
↳ QoQ Growth %	—	1.9%	—	-2.2%	—	-4.6%	0.1%	—	-5.7%	—	-5.5%	—	2.2%	7.8%	—	—	—
Other Income	431	115	316	81	235	97	138	600	287	313	105	207	103	105	400	299	185
Total Income	3,810	952	2,858	902	1,956	937	1,019	4,365	1,167	3,198	1,038	2,160	1,090	1,071	3,579	2,804	2,034
↳ YoY Growth %	-12.7%	-18.4%	-10.6%	-13.1%	-9.5%	-14.0%	-4.8%	22.0%	14.8%	24.8%	16.8%	29.0%	26.5%	31.8%	27.6%	37.9%	19.2%
↳ QoQ Growth %	—	5.6%	—	-3.8%	—	-8.0%	-12.7%	—	12.4%	—	-4.7%	—	1.8%	5.3%	—	—	—
Total Interest Expense	1,902	461	1,441	473	969	489	479	1,742	468	1,274	452	822	429	393	1,293	976	788
↳ YoY Growth %	9.2%	-1.6%	13.2%	4.5%	17.9%	14.2%	22.0%	34.8%	31.6%	36.0%	39.7%	34.0%	36.2%	31.6%	32.4%	23.9%	6.2%
↳ QoQ Growth %	—	-2.6%	—	-3.4%	—	2.2%	2.3%	—	3.5%	—	5.5%	—	9.2%	10.4%	—	—	—
Net Interest Income (NII)	1,477	376	1,101	348	752	350	402	2,023	411	1,611	480	1,131	558	573	1,886	1,529	1,061
↳ NII YoY Growth %	-27.0%	-8.6%	-31.7%	-27.4%	-33.5%	-37.2%	-29.9%	7.3%	-23.8%	19.7%	-0.4%	31.0%	26.4%	35.8%	23.3%	44.1%	26.4%
↳ NII QoQ Growth %	—	8.0%	—	-0.6%	—	-12.8%	-2.3%	—	-14.3%	—	-14.0%	—	-2.6%	6.2%	—	—	—
Employee Cost	948	237	711	246	464	236	228	846	204	641	225	416	211	205	737	570	430
Other Admin Expenses	903	242	662	227	435	215	220	770	260	510	175	335	174	161	552	420	304
Total Operating Expenses	1,851	479	1,372	473	899	451	448	1,616	465	1,151	400	751	384	367	1,289	990	734
↳ YoY Growth %	14.6%	3.1%	19.2%	18.2%	19.7%	17.4%	22.2%	25.4%	22.8%	26.4%	29.6%	24.8%	24.4%	25.2%	30.2%	34.9%	34.6%
↳ QoQ Growth %	—	1.3%	—	4.9%	—	0.7%	-3.6%	—	16.0%	—	4.2%	—	4.9%	-3.1%	—	—	—
Pre-Provision Operating Profit	56	12	44	-44	88	-3	92	1,007	234	773	185	588	276	311	997	838	512
↳ PPOP YoY Growth %	-94.4%	-94.7%	-94.3%	—	-85.0%	—	-70.6%	1.0%	-17.1%	8.1%	-27.7%	28.1%	16.3%	40.7%	19.0%	63.8%	22.2%
↳ PPOP QoQ Growth %	—	—	—	—	—	—	-60.8%	—	26.3%	—	-33.0%	—	-11.2%	10.3%	—	—	—
Total Provisions	1,563	244	1,319	446	872	462	411	979	223	757	423	333	208	125	338	303	398
Exceptional Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax (PBT)	-1,507	-232	-1,275	-491	-784	-465	-319	28	11	16	-238	254	68	186	659	536	114
Income Tax	-356	-44	-312	-116	-196	-117	-79	4	8	-4	-70	66	17	49	162	131	53
Net Profit / PAT	-1,151	-188	-963	-375	-588	-348	-239	24	3	21	-168	189	51	137	498	405	61
↳ PAT YoY Growth %	—	—	—	—	—	—	—	-95.2%	-98.1%	-93.9%	—	-14.9%	-55.1%	27.8%	23.0%	558.6%	-45.0%
↳ PAT QoQ Growth %	—	—	—	—	—	—	—	—	—	—	—	—	-62.6%	-13.9%	—	—	—
BALANCE SHEET & BUSINESS (₹ Crores)
Total Assets	28,869	28,869	28,280	28,280	27,384	27,384	27,794	28,127	28,127	26,607	26,607	26,306	26,306	24,891	23,903	19,117	15,064
Networth	2,247	2,247	2,433	2,433	1,982	1,982	2,466	2,776	2,776	2,727	2,727	2,892	2,892	2,722	2,722	1,845	1,421
Equity Share Capital	1,780	1,780	1,780	1,780	1,102	1,102	1,102	1,102	1,102	1,102	1,102	1,101	1,101	1,100	1,099	896	896
Reserves	996	996	1,036	1,036	1,411	1,411	1,633	1,873	1,873	1,244	1,244	1,412	1,412	2,011	1,874	1,104	677
Gross Advances	19,332	19,332	18,306	18,306	18,655	18,655	19,224	19,666	19,666	19,057	19,057	19,101	19,101	18,798	18,299	13,957	10,631
↳ Gross Advances YoY %	-1.7%	-1.7%	-3.9%	-3.9%	-2.3%	-2.3%	2.3%	7.5%	7.5%	16.2%	16.2%	28.3%	28.3%	30.6%	31.1%	31.3%	26.3%
Net Advances	18,070	18,070	16,742	16,742	16,897	16,897	17,925	18,716	18,716	18,528	18,528	18,132	18,132	16,834	16,365	13,069	10,228
↳ Net Advances YoY %	-3.5%	-3.5%	-9.6%	-9.6%	-6.8%	-6.8%	6.5%	14.4%	14.4%	23.6%	23.6%	28.8%	28.8%	24.6%	25.2%	27.8%	24.5%
Total Deposits	21,654	21,654	21,087	21,087	21,447	21,447	21,489	21,566	21,566	20,172	20,172	19,496	19,496	18,163	17,473	13,710	10,074
↳ Deposit YoY %	0.4%	0.4%	4.5%	4.5%	10.0%	10.0%	18.3%	23.4%	23.4%	33.5%	33.5%	39.6%	39.6%	30.0%	27.4%	36.1%	34.2%
Savings Deposits	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
↳ Savings YoY %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Current Deposits	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
↳ Current YoY %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
CASA Deposits	5,196	5,196	4,611	4,611	4,482	4,482	4,229	4,699	4,699	3,973	3,973	3,899	3,899	3,453	3,582	2,865	2,257
↳ CASA YoY %	10.6%	10.6%	16.1%	16.1%	14.9%	14.9%	22.5%	31.2%	31.2%	31.5%	31.5%	39.6%	39.6%	30.1%	25.0%	27.0%	70.0%
EPS (₹)	-6.47	-1.06	-5.41	-2.11	-5.34	-3.16	-2.17	0.22	0.03	0.19	-1.53	1.71	0.47	1.25	4.53	4.52	0.69
KEY RATIOS
NIM %	5.40%	5.50%	5.37%	5.10%	5.50%	5.10%	5.90%	8.03%	6.40%	8.57%	7.50%	9.10%	8.80%	9.40%	9.40%	9.70%	8.80%
Cost to Income %	97.05%	97.50%	96.89%	110.32%	91.06%	100.74%	83.02%	61.61%	66.50%	59.83%	68.36%	56.10%	58.17%	54.08%	56.38%	54.15%	58.91%
GNPA %	7.71%	7.71%	11.05%	11.05%	12.42%	12.42%	11.42%	9.43%	9.43%	6.17%	6.17%	3.88%	3.88%	2.78%	2.51%	3.23%	6.10%
NNPA %	3.29%	3.29%	4.48%	4.48%	5.02%	5.02%	5.00%	4.84%	4.84%	2.50%	2.50%	0.89%	0.89%	0.26%	0.03%	0.39%	2.31%
PCR %	59.31%	59.31%	62.19%	62.19%	62.75%	62.75%	59.15%	51.18%	51.18%	61.11%	61.11%	77.74%	77.74%	90.99%	98.92%	88.19%	63.58%
ROA %	-4.16%	-2.68%	-4.68%	-5.44%	-4.30%	-5.12%	-3.48%	0.09%	0.04%	0.69%	-2.56%	2.31%	2.32%	2.30%	2.46%	2.42%	0.48%
ROE %	-42.10%	-26.80%	-47.93%	-55.90%	-43.95%	-54.10%	-33.80%	0.80%	0.40%	0.97%	-21.80%	12.30%	6.60%	18.10%	19.50%	22.84%	4.14%
CASA Ratio %	24.00%	24.00%	20.11%	20.11%	20.90%	20.90%	19.70%	21.79%	21.79%	19.70%	19.70%	20.00%	20.00%	19.00%	20.50%	20.90%	22.40%
CAR %	17.71%	17.71%	20.11%	20.11%	17.21%	17.21%	19.60%	20.93%	20.93%	21.10%	21.10%	22.43%	22.43%	23.18%	22.57%	20.64%	21.59%
COST RATIOS AS % TO TOTAL INCOME
Interest / Disc. on Advances	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Income on Investments	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Interest on Bal with RBI	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Others (Fund Income)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Other Income	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Interest Expense	49.93%	48.38%	50.44%	52.43%	49.52%	52.22%	47.03%	39.91%	40.13%	39.83%	43.58%	38.03%	39.35%	36.69%	36.12%	34.80%	38.75%
Net Interest Income	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Employee Cost	24.88%	24.93%	24.87%	27.30%	23.74%	25.20%	22.40%	19.37%	17.51%	20.05%	21.71%	19.26%	19.34%	19.17%	20.59%	20.33%	21.14%
Admin Expenses	23.71%	25.40%	23.15%	25.17%	22.22%	22.93%	21.57%	17.65%	22.31%	15.94%	16.86%	15.50%	15.93%	15.07%	15.42%	14.98%	14.94%
Total Operating Expenses	48.60%	50.32%	48.02%	52.48%	45.97%	48.13%	43.97%	37.02%	39.82%	36.00%	38.57%	34.76%	35.28%	34.24%	36.02%	35.30%	36.08%
PPOP	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Provisions	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
PBT	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Income Tax	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
PAT	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

SRY

Suryoday Small Finance Bank

Figures in ₹ Crores

Download PDF

Net Profit (₹ Cr)

₹152

FY26

NIM %

7.30%

FY26

GNPA %

6.55%

FY26

NNPA %

4.21%

FY26

ROE %

7.60%

FY26

ROA %

0.89%

FY26

Particulars	FY26							FY25							FY24	FY23	FY22
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	FY23	FY22
INCOME STATEMENT (₹ Crores)
Interest / Disc. on Advances	1,894	527	1,366	477	889	455	434	1,731	416	1,314	430	884	451	434	1,395	1,025	817
Income on Investments	214	58	157	52	105	54	51	199	48	150	52	98	49	49	183	150	112
Interest on Bal with RBI & Others	48	15	33	13	20	10	10	24	6	18	6	13	8	5	11	9	13
Others	5	2	3	2	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Fund Based Income	2,160	602	1,559	544	1,015	520	495	1,954	471	1,483	488	995	507	488	1,589	1,184	942
↳ YoY Growth %	10.6%	27.8%	5.1%	11.5%	2.0%	2.5%	1.4%	23.0%	5.8%	29.6%	18.8%	35.7%	35.2%	36.3%	34.2%	25.7%	21.3%
↳ QoQ Growth %	—	10.6%	—	4.7%	—	4.9%	5.2%	—	-3.5%	—	-3.8%	—	3.9%	9.8%	—	—	—
Other Income	360	90	269	81	188	80	109	217	60	157	40	118	47	70	219	97	94
Total Income	2,520	692	1,828	625	1,203	600	604	2,171	531	1,640	527	1,113	555	558	1,808	1,281	1,036
↳ YoY Growth %	25.2%	26.2%	24.9%	21.6%	26.7%	26.2%	27.3%	35.3%	29.9%	37.4%	33.1%	39.8%	34.4%	46.1%	43.3%	22.3%	-2.3%
↳ QoQ Growth %	—	6.7%	—	2.1%	—	5.4%	9.8%	—	2.9%	—	6.0%	—	6.3%	12.1%	—	—	—
Total Interest Expense	1,062	285	777	267	509	261	248	848	226	622	220	402	207	195	626	437	357
↳ YoY Growth %	25.2%	26.2%	24.9%	21.6%	26.7%	26.2%	27.3%	35.3%	29.9%	37.4%	33.1%	39.8%	34.4%	46.1%	43.3%	22.3%	-2.3%
↳ QoQ Growth %	—	6.7%	—	2.1%	—	5.4%	9.8%	—	2.9%	—	6.0%	—	6.3%	12.1%	—	—	—
Net Interest Income (NII)	1,099	317	782	277	505	258	247	1,106	245	861	268	593	300	293	962	747	584
↳ NII YoY Growth %	-0.7%	29.4%	-9.2%	3.2%	-14.8%	-13.9%	-15.7%	15.0%	-9.6%	24.6%	9.2%	33.1%	35.7%	30.5%	28.9%	27.7%	42.4%
↳ NII QoQ Growth %	—	14.4%	—	7.2%	—	4.5%	1.0%	—	-8.8%	—	-10.6%	—	2.3%	8.3%	—	—	—
Employee Cost	512	143	370	128	242	126	115	444	116	328	105	223	110	114	361	242	228
Other Admin Expenses	562	157	405	141	264	132	132	490	142	348	131	216	111	105	367	264	185
Total Operating Expenses	1,074	300	774	269	506	259	247	934	258	676	236	440	221	219	728	507	413
↳ YoY Growth %	-1.3%	129.4%	-19.1%	24.7%	-30.7%	-37.6%	-24.5%	-14.3%	-63.7%	5.2%	-37.5%	28.3%	34.5%	23.2%	34.5%	27.0%	46.5%
↳ QoQ Growth %	—	20.2%	—	12.5%	—	-27.3%	133.5%	—	-34.6%	—	-43.8%	—	-12.0%	12.4%	—	—	—
Pre-Provision Operating Profit	384	107	277	89	188	79	109	389	47	343	71	271	127	144	454	337	266
↳ PPOP YoY Growth %	-1.3%	129.4%	-19.1%	24.7%	-30.7%	-37.6%	-24.5%	-14.3%	-63.7%	5.2%	-37.5%	28.3%	34.5%	23.2%	34.5%	27.0%	46.5%
↳ PPOP QoQ Growth %	—	20.2%	—	12.5%	—	-27.3%	133.5%	—	-34.6%	—	-43.8%	—	-12.0%	12.4%	—	—	—
Total Provisions	184	41	143	41	102	40	62	245	93	152	34	118	67	52	166	237	393
Exceptional Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax (PBT)	200	66	134	48	86	39	47	144	-47	191	38	153	60	93	288	101	-127
Income Tax	48	16	32	11	20	9	12	29	-13	42	4	37	15	23	72	23	-34
Net Profit / PAT	152	50	102	37	66	30	35	115	-34	149	33	115	45	70	216	78	-93
↳ PAT YoY Growth %	32.2%	—	-31.3%	9.8%	-43.1%	-33.0%	-49.6%	-46.8%	—	-4.1%	-41.8%	17.9%	-9.8%	47.2%	177.9%	—	—
↳ PAT QoQ Growth %	—	36.0%	—	20.2%	—	-13.8%	—	—	—	—	-26.6%	—	-35.2%	15.2%	—	—	—
BALANCE SHEET & BUSINESS (₹ Crores)
Total Assets	19,884	19,884	17,039	17,039	16,604	16,604	16,059	15,614	15,614	13,926	13,926	13,500	13,500	12,744	12,378	9,861	8,180
Networth	2,055	2,055	1,981	1,981	1,930	1,930	1,935	1,900	1,900	1,909	1,909	1,895	1,895	1,853	1,781	1,429	1,452
Equity Share Capital	106	106	106	106	106	106	106	106	106	106	106	106	106	106	106	106	106
Reserves	1,972	1,972	1,923	1,923	1,886	1,886	1,856	1,821	1,821	1,848	1,848	1,814	1,814	1,769	1,699	1,479	1,391
Gross Advances	13,261	13,261	11,810	11,885	11,049	11,124	10,846	10,251	10,251	9,563	9,563	9,010	9,010	8,487	8,250	6,113	5,065
↳ Gross Advances YoY %	29.4%	29.4%	23.5%	24.3%	22.6%	23.5%	27.8%	24.2%	24.2%	31.0%	31.0%	32.1%	32.1%	35.3%	35.0%	20.7%	20.9%
Net Advances	12,879	12,879	11,521	11,521	10,805	10,805	10,521	9,974	9,974	9,327	9,327	8,807	8,807	8,285	8,078	6,015	4,751
↳ Net Advances YoY %	29.1%	29.1%	23.5%	23.5%	22.7%	22.7%	27.0%	23.5%	23.5%	29.9%	29.9%	31.0%	31.0%	34.0%	34.3%	26.6%	19.3%
Total Deposits	13,994	13,994	12,865	12,865	11,991	11,991	11,312	10,580	10,580	9,708	9,708	8,851	8,851	8,137	7,777	5,167	3,854
↳ Deposit YoY %	32.3%	32.3%	32.5%	32.5%	35.5%	35.5%	39.0%	36.0%	36.0%	49.7%	49.7%	38.5%	38.5%	42.2%	50.5%	34.1%	18.4%
Savings Deposits	—	—	—	—	—	—	—	1,380	—	—	—	—	—	—	919	692	628
↳ Savings YoY %	—	—	—	—	—	—	—	50.1%	—	—	—	—	—	—	32.7%	10.2%	58.9%
Current Deposits	—	—	—	—	—	—	—	832	—	—	—	—	—	—	647	192	96
↳ Current YoY %	—	—	—	—	—	—	—	28.7%	—	—	—	—	—	—	237.4%	100.4%	-11.0%
CASA Deposits	3,162	3,162	2,732	2,732	2,477	2,477	2,006	2,212	2,212	1,893	1,893	1,581	1,581	1,439	1,566	884	724
↳ CASA YoY %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS (₹)	14.30	4.68	9.62	3.44	6.18	2.86	3.32	10.82	-3.18	14.00	3.13	10.87	4.27	6.59	20.34	7.32	-8.76
KEY RATIOS
NIM %	7.30%	7.90%	7.13%	7.30%	7.05%	6.90%	7.20%	9.00%	7.80%	9.40%	8.40%	9.85%	9.70%	10.00%	9.80%	9.50%	8.60%
Cost to Income %	73.67%	73.71%	73.65%	75.12%	72.89%	76.59%	69.39%	70.59%	84.70%	66.37%	76.82%	61.85%	63.47%	60.30%	61.59%	60.02%	60.86%
GNPA %	6.55%	6.55%	6.69%	6.69%	5.93%	5.93%	8.46%	7.16%	7.16%	5.53%	5.53%	3.03%	3.03%	2.84%	2.94%	3.13%	11.80%
NNPA %	4.21%	4.21%	4.35%	4.35%	3.80%	3.80%	5.64%	4.58%	4.58%	3.13%	3.13%	0.80%	0.80%	0.47%	0.86%	1.55%	5.97%
PCR %	37.30%	37.30%	36.60%	36.60%	37.30%	37.30%	35.36%	37.72%	37.72%	44.74%	44.74%	74.29%	74.29%	83.85%	71.17%	51.43%	52.57%
ROA %	0.89%	1.08%	0.84%	0.88%	0.82%	0.76%	0.88%	0.84%	-0.92%	1.41%	0.96%	1.80%	1.40%	1.88%	1.94%	0.87%	-1.29%
ROE %	7.59%	—	—	—	—	—	—	6.16%	—	—	—	—	—	—	12.74%	5.04%	-6.01%
CASA Ratio %	22.60%	22.60%	21.24%	21.24%	20.66%	20.66%	17.73%	20.91%	20.91%	19.50%	19.50%	17.86%	17.86%	17.68%	20.14%	17.11%	18.78%
CAR %	20.45%	20.45%	21.94%	21.94%	23.41%	23.41%	24.61%	25.83%	25.83%	26.92%	26.92%	24.95%	24.95%	27.27%	28.41%	33.72%	37.86%
COST RATIOS AS % TO TOTAL INCOME
Interest / Disc. on Advances	87.66%	87.64%	87.66%	87.72%	87.63%	87.64%	87.62%	88.59%	88.48%	88.63%	88.15%	88.86%	88.82%	88.90%	87.78%	86.59%	86.78%
Income on Investments	9.92%	9.57%	10.05%	9.52%	10.34%	10.36%	10.32%	10.17%	10.26%	10.14%	10.70%	9.86%	9.68%	10.04%	11.53%	12.65%	11.86%
Interest on Bal with RBI	2.21%	2.50%	2.10%	2.30%	1.99%	1.91%	2.06%	1.24%	1.26%	1.24%	1.15%	1.28%	1.49%	1.06%	0.69%	0.76%	1.35%
Others (Fund Income)	0.22%	0.30%	0.19%	0.46%	0.04%	0.08%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.02%
Other Income	16.65%	15.01%	17.28%	14.87%	18.57%	15.36%	21.94%	11.12%	12.77%	10.60%	8.11%	11.82%	9.36%	14.37%	13.81%	8.23%	10.02%
Total Interest Expense	49.14%	47.38%	49.82%	49.10%	50.20%	50.31%	50.09%	43.38%	48.01%	41.92%	45.01%	40.40%	40.86%	39.93%	39.43%	36.93%	37.94%
Net Interest Income	50.86%	52.62%	50.18%	50.90%	49.80%	49.69%	49.91%	56.62%	51.99%	58.08%	54.99%	59.60%	59.14%	60.07%	60.57%	63.07%	62.06%
Employee Cost	23.72%	23.74%	23.72%	23.52%	23.82%	24.33%	23.29%	22.74%	24.60%	22.15%	21.54%	22.45%	21.64%	23.28%	22.71%	20.48%	24.23%
Admin Expenses	26.01%	26.11%	25.97%	25.88%	26.01%	25.49%	26.56%	25.08%	30.25%	23.44%	26.93%	21.72%	21.83%	21.61%	23.09%	22.32%	19.64%
Total Operating Expenses	49.73%	49.85%	49.69%	49.40%	49.84%	49.82%	49.86%	47.82%	54.85%	45.58%	48.47%	44.17%	43.48%	44.89%	45.81%	42.79%	43.86%
PPOP	17.78%	17.78%	17.78%	16.37%	18.53%	15.23%	22.00%	19.92%	9.91%	23.10%	14.63%	27.25%	25.02%	29.56%	28.57%	28.51%	28.21%
Provisions	8.54%	6.87%	9.18%	7.58%	10.05%	7.67%	12.54%	12.56%	19.85%	10.24%	6.89%	11.89%	13.16%	10.56%	10.47%	19.99%	41.70%
PBT	9.24%	10.91%	8.59%	8.79%	8.49%	7.56%	9.46%	7.36%	-9.94%	12.85%	7.74%	15.36%	11.86%	19.00%	18.10%	8.52%	-13.49%
Income Tax	2.20%	2.65%	2.03%	2.06%	2.01%	1.71%	2.33%	1.48%	-2.76%	2.82%	0.91%	3.76%	2.91%	4.64%	4.51%	1.96%	-3.61%
PAT	7.03%	8.26%	6.56%	6.72%	6.47%	5.85%	7.12%	5.88%	-7.18%	10.03%	6.83%	11.60%	8.95%	14.35%	13.59%	6.57%	-9.88%

Customize

Compare any banks across key metrics · Annual or Quarterly view

Banks:

Loading…

💡 Click on any bank name in the legend below to show or hide its trend line.

Overview

Profitability

Income Statement

Cost Ratios as % to Total Interest Income

Asset Quality

Quarterly GNPA %

Quarterly NNPA %

PCR without Tech W/off (%)

Quarterly GNPA Movement

Quarterly NNPA Movement

Balance Sheet

Key Fundamentals

Efficiency Ratios

Efficiency Ratios

Efficiency Ratios

Efficiency Ratios

Efficiency Ratios

Efficiency Ratios

Financials

Customize