Ujjivan Small Finance Bank

Ujjivan Small Finance Bank (Ujjivan SFB) is strengthening its presence in West Bengal as part of a broader strategy to deepen financial inclusion in high-growth regional markets. With new branches, expanded customer outreach, and a focus on underserved communities, the bank aims to boost its retail and microfinance footprint across the state. West Bengal has historically been a stronghold for microfinance activity, offering significant growth potential for small-ticket lending, deposit mobilization, and rural banking services.

Ujjivan Small Finance Bank (SFB) has announced its plan to raise Rs. 2,000 crore through a Qualified Institutional Placement (QIP), marking a significant step in strengthening its capital base and supporting future growth. The fundraising initiative is designed to enhance the bank’s balance sheet resilience, improve its capital adequacy ratio, and provide financial flexibility for expanding its lending operations.

Ujjivan Small Finance Bank (SFB) saw a significant dip in its stock price on Wednesday, following the announcement of a sharp 75% decline in its net profit for the fourth quarter of FY25. The bank's net profit slumped to Rs 83.39 crore from Rs 329.63 crore in the same period last year, largely due to increased provisions for bad loans. Despite a slight rise in total income, the financial institution's rising provisions have sparked concern among investors, leading to a 3% drop in its stock price.