A 29.09% one-year return against the Sensex’s 12.35% gain , that gap tells investors everything they need to know about why the Ujjivan Small Finance Bank Share Price has attracted growing attention in 2026. Trading at Rs. 62.09 on BSE (NSE ticker: UJJIVANSFB) on October 9, 2026, with analysts pegging a consensus target of Rs. 82.00 , a 32% upside from current levels , the Bengaluru-headquartered small finance bank has delivered returns that most large-cap banking stocks failed to match over the same period.
This article covers live price data, Q1 FY27 financials, the Q2 FY27 results outlook, asset quality indicators including GNPA and PAR, deposit growth, and analyst target projections, all sourced from BSE, NSE, and Yahoo Finance live feeds as of October 9, 2026.
Ujjivan Small Finance Bank Limited: Business Model and Market Listing
Ujjivan Small Finance Bank Limited (NSE: UJJIVANSFB, BSE: 542904) commenced operations as a scheduled commercial bank in February 2017, converting from Ujjivan Financial Services Ltd., one of India’s largest microfinance institutions. The Reserve Bank of India granted it a small finance bank licence, requiring it to maintain at least 75% of its adjusted net bank credit in priority sector loans , a mandate that shapes its entire loan book composition.
The bank operates across three segments: Treasury, Retail Banking, and Corporate/Wholesale Banking. Its core customer base consists of financially underserved individuals across semi-urban and rural India, primarily served through micro loans (group and individual), home and micro-mortgage loans, MSME loans, vehicle loans, agricultural loans, and gold loans. As of the most recent filing on NSE, Ujjivan Small Finance Bank employs approximately 26,555 full-time staff.
The fiscal year ends March 31 each year, meaning Q2 FY27 covers July to September 2026, with Q2 FY27 results expected in late October 2026.
Ujjivan Small Finance Bank Share Price Today: Live Market Data for October 9, 2026
The Ujjivan Small Finance Bank Share Price opened at Rs. 62.39 on BSE on October 9, 2026, trading in a day range of Rs. 62.09 to Rs. 62.77. The stock last recorded Rs. 62.09, marginally down 0.10% from the previous close of Rs. 62.15, according to the BSE real-time feed.
The 52-week range of Rs. 47.33 to Rs. 73.90 captures both the lows from which the stock recovered and the resistance it has faced as it approached the year’s high. From the 52-week low to the current price, the stock has added approximately 31% , strong momentum for a bank in the Rs. 12,000 crore market cap range.
Additional data from the BSE live quote confirms a beta of 0.42, indicating that UJJIVANSFB shares move significantly less than the broader market on a given session , a characteristic that defensive and income-focused investors often seek in banking stocks. The trailing twelve-month EPS stands at Rs. 4.59, producing a PE ratio of 13.53, notably lower than the sector’s larger private bank peers.
| Metric | Detail |
|---|---|
| BSE Code | 542904 |
| NSE Symbol | UJJIVANSFB |
| Current Price (Oct 9, 2026) | Rs. 62.09 |
| Day’s Range | Rs. 62.09 – Rs. 62.77 |
| 52-Week High | Rs. 73.90 |
| 52-Week Low | Rs. 47.33 |
| Market Cap | Rs. 12,114 Crore |
| PE Ratio (TTM) | 13.53 |
| EPS (TTM) | Rs. 4.59 |
| Avg. Analyst Target (1Y) | Rs. 82.00 |
| YTD Return | +17.24% |
| 1-Year Return | +29.09% |
Source: BSE/Yahoo Finance live data, October 9, 2026.
Q1 FY27 Results and the Q2 FY27 Business Update Outlook
Ujjivan Small Finance Bank reported Q1 FY27 (April to June 2026) revenue of Rs. 1,443 crore and a net profit of Rs. 317 crore, translating to a profit margin of 21.93%. These figures, aggregated from BSE regulatory filings, show continued profitability even as the broader microfinance sector absorbed elevated stress in group loan portfolios.
The Q1 FY27 numbers matter because they set the baseline against which Q2 FY27 disbursements, loan book growth, and deposit accretion will be measured. Q2 FY27 covers July to September 2026 , a quarter that typically sees strong disbursement momentum ahead of the festival lending season in Q3. Investors tracking Q2 FY27 results should watch for updates in late October 2026 on the official Ujjivan SFB investor relations page on BSE.
Key sequential metrics to monitor in the Q2 FY27 update include: loan book outstanding (how fast disbursements have translated into gross advances), deposit growth and CASA ratio progression, GNPA movement (whether gross non-performing assets are stabilising or compressing), and PAR30/PAR90 trends in the microfinance book, which reflect early-stage delinquencies before loans formally enter NPA classification.
How Ujjivan SFB Compares to Equitas Small Finance Bank in October 2026
The table below compares the Ujjivan Small Finance Bank Share Price and market metrics with Equitas Small Finance Bank (BSE: EQUITASBNK, NSE: EQUITASBNK), the most directly comparable listed peer, as of October 9, 2026.
| Parameter | Ujjivan SFB (UJJIVANSFB.BO) | Equitas SFB (EQUITASBNK.BO) |
|---|---|---|
| Price (Oct 9, 2026) | Rs. 62.09 | Rs. 66.58 |
| 52-Week High | Rs. 73.90 | Rs. 83.84 |
| 52-Week Low | Rs. 47.33 | Rs. 51.30 |
| Market Cap | Rs. 12,114 Crore | Rs. 7,618 Crore |
| PE Ratio (TTM) | 13.53 | N/A (not available) |
| EPS (TTM) | Rs. 4.59 | N/A |
| Profit Margin | 19.63% | N/A |
| 1-Year Return | +29.09% | Not confirmed |
| 5-Year Return | +198.51% | Not confirmed |
Source: BSE live data, Yahoo Finance, October 9, 2026. N/A = data not available in real-time feed.
Ujjivan SFB commands a higher market capitalisation than Equitas SFB despite both operating in similar geographies and customer segments. The PE ratio of 13.53 for Ujjivan SFB, coupled with a profit margin of 19.63% and revenue TTM of approximately Rs. 4,615 crore, places it in a valuation band that fund managers in the small-cap and mid-cap banking allocation space regularly screen.
Asset Quality, GNPA, PAR and CASA Ratio: What the Numbers Signal
Small finance banks carry structurally higher GNPA ratios than large private sector banks because their borrower profiles include first-time credit users and microfinance customers with limited credit histories. Ujjivan SFB’s asset quality journey reflects the sector-wide stress that followed disruptions in the microfinance ecosystem during FY2023 and FY2024, followed by gradual improvement in FY2025 and FY2026.
GNPA (Gross Non-Performing Assets) as a percentage of gross advances represents the headline asset quality metric monitored by the RBI, BSE, and analysts. For Ujjivan SFB, GNPA has been trending downward from its peak levels during the post-pandemic stress cycle, and the bank’s provisioning coverage ratio has improved , both positive indicators for sustained return on assets.
PAR (Portfolio At Risk), particularly PAR30 (overdue by 30 or more days) and PAR90 (overdue by 90 or more days), captures early-cycle delinquency in the microfinance book before it migrates to NPA status. PAR30 movements in the Q2 FY27 business update will give investors an early read on whether the festive-season loan collections strengthened in July-September 2026 or whether group loan pressure persisted from Q1.
The CASA ratio, representing the proportion of Current Account and Savings Account deposits in the total deposit base, has been improving at Ujjivan SFB as the bank expands its retail liability franchise beyond term deposits. A higher CASA ratio reduces the cost of funds, which directly improves the bank’s net interest margin (NIM) and, over time, supports the earnings trajectory that analyst targets are benchmarked against.
Ujjivan Small Finance Bank Share Price Target 2026: Rs. 82 Analyst Consensus
The Ujjivan Small Finance Bank Share Price target from analysts aggregated on Yahoo Finance stands at an average of Rs. 82.00, with the bearish end at Rs. 60.00 and the bullish target at Rs. 90.00. The Rs. 82.00 average target represents a 32% upside from the current price of Rs. 62.09.
The Rs. 60 downside target essentially represents the current price range, suggesting the bearish scenario has limited additional downside from current levels. The Rs. 90 bull target reflects optimism about GNPA compression, CASA ratio improvement, and sustained loan book growth driving earnings toward Rs. 6-7 EPS in FY28, which at a 13x multiple would price the stock in the Rs. 78-91 range.
Investors can track analyst revisions via platforms like Moneycontrol or LiveMint as Q2 FY27 results arrive in October 2026. Quarterly result surprises, both positive and negative, in a stock with average daily volume of 1.3 million shares on BSE tend to produce multi-percent single-session moves, creating both risk and opportunity for traders.
The 5-year total return of +198.51% (vs Sensex’s +19.92% over the same period) confirms that investors who entered near the stock’s early post-listing prices captured exceptional compounding. The forward question for 2026 and 2027 is whether the second leg of growth, driven by MSME and housing loan diversification, can sustain earnings growth at a rate that justifies continued premium to small finance bank sector peers. For context on other Indian banking and finance stocks worth tracking in October 2026, check the IPO and stock tracker on ipocontrol.in.
Worth Accumulating at Rs. 62? The Investment Case in Brief
The Ujjivan Small Finance Bank Share Price at Rs. 62.09 trades at a PE of 13.53 on trailing earnings of Rs. 4.59 per share. Against an average analyst target of Rs. 82 and a 5-year return of nearly 200%, the fundamental case rests on whether Q2 FY27 and Q3 FY27 earnings can sustain the profitability trajectory seen in Q1 FY27.
Three data points tip the scales toward a cautiously positive view. First, the profit margin of 19.63% is above-average for small finance banks. Second, the low beta of 0.42 means the stock does not swing violently with every market session, making it a reasonable hold for conservative equity investors allocating to the Indian banking sector. Third, the analyst average target of Rs. 82 implies meaningful upside in a 12-month horizon even after the 29% one-year gain.
The key risk is asset quality in the microfinance segment. Any deterioration in PAR or GNPA in Q2 FY27, particularly in the group loan book, would pressure the stock toward the lower analyst target range of Rs. 60. Investors should read the Q2 FY27 business update when released in late October 2026 and compare PAR30 and loan book disbursement numbers against Q1 FY27 baselines before making portfolio decisions on UJJIVANSFB shares.
Frequently Asked Questions on Ujjivan Small Finance Bank Share Price
What is the Ujjivan Small Finance Bank Share Price today on BSE? The Ujjivan Small Finance Bank Share Price stood at Rs. 62.09 on BSE (code: 542904) on October 9, 2026, trading in a day range of Rs. 62.09 to Rs. 62.77. The 52-week range spans Rs. 47.33 to Rs. 73.90.
When are Q2 FY27 results expected for Ujjivan SFB? Q2 FY27 covers July to September 2026. Ujjivan SFB typically announces its quarterly results within 21 days of the quarter end. Formal Q2 FY27 results are expected in late October 2026. Some banks also release provisional business updates with loan book and deposit data ahead of the formal earnings announcement, which investors can track through BSE regulatory filings at BSE.
How does the GNPA trend affect the Ujjivan SFB stock price? GNPA (Gross Non-Performing Assets) signals the credit quality of the bank’s loan book. A rising GNPA requires the bank to set aside more provisions, which reduces net profit and can pressure the stock. A declining GNPA trajectory, particularly in the micro loan and group loan segments, releases provisioning buffer and boosts earnings , a positive trigger for the UJJIVANSFB share price.
What is the Ujjivan Small Finance Bank Share Price target for 2026? The consensus analyst target for the Ujjivan Small Finance Bank Share Price is Rs. 82.00, with the range running from Rs. 60 (bear case) to Rs. 90 (bull case). The Rs. 82 average implies a 32% upside from the October 9, 2026 price of Rs. 62.09.
Does Ujjivan SFB pay a dividend? Ujjivan Small Finance Bank last paid a dividend with the ex-dividend date recorded as July 12, 2024, per Yahoo Finance data. The bank has not declared a dividend in the period immediately preceding October 2026. Income-focused investors should verify the dividend status with the latest board meeting announcements available on NSE before taking a position.
Disclaimer: This article is for educational and informational purposes only. It does not constitute investment advice. ipocontrol.in is not registered with SEBI as an investment adviser. Readers should consult a SEBI-registered financial adviser before making investment decisions.