Share of Ujjivan Small Finance Bank Limited is currently trading at around Rs.72/-. Existing as well as Prospective Investors are asking for Ujjivan Bank Share Price Target 2026,2030,2035 & 2040. In this article, we will discuss about the business prospects and financial performance of the Bank and based on our discussion and analysis will tell you the Ujjivan Bank Share Price Target 2026,2030,2035,2040.
Discussion & Analysis of Business & Financial performance with future business prospects of Ujjivan Small Finance Bank Ltd:
Ujjivan Small Finance Bank Ltd is currently in a strong growth phase, supported by improving profitability, expanding deposits, better asset quality and a gradual shift towards secured lending. The bank’s Q1 FY27 performance indicates that its business transformation is gaining momentum. As of June 2026, deposits stood at ₹48,129 crore, registering 24.6% year-on-year growth, while the gross loan book increased 28.9% to ₹42,903 crore. CASA deposits grew an impressive 37.8% to ₹12,930 crore, helping strengthen the bank’s low-cost funding base.
Profitability has also improved sharply. Net interest income reached a record ₹1,186 crore in Q1 FY27, up 38.6% year-on-year, while pre-provision operating profit increased 52% to ₹548 crore. Net profit surged 206.7% to ₹317 crore. Return on Assets stood at 2.2%, while Return on Equity reached 18.2%, reflecting significantly better operating efficiency and earnings quality.
One of the most important developments is the diversification of the loan portfolio. Secured loans accounted for 50.4% of the gross loan book by June 2026, crossing the halfway mark for the first time. Gold loans and vehicle loans have each crossed ₹1,000 crore, reducing the bank’s dependence on unsecured microfinance lending. Asset quality has also improved, with GNPA and NNPA declining to 2.17% and 0.34%, respectively.
Future Business Prospects
The future outlook for Ujjivan SFB appears positive. Management has raised its FY27 RoA guidance to 1.8%-2.0%, reflecting confidence in sustained profitability. The bank is targeting approximately 25% growth in advances while continuing to expand its branch network, digital infrastructure and analytics capabilities. Its branch count reached 814 by June 2026.
The bank’s increasing focus on secured lending, retail banking, gold loans, vehicle finance and digital services could provide a more diversified and stable growth model. Investments in artificial intelligence, analytics, cloud technology and process automation should further improve customer acquisition and operating efficiency.
However, investors should monitor microfinance-related credit risks, competition for deposits, interest-rate movements and the ability to maintain asset quality while pursuing rapid growth. Overall, Ujjivan Small Finance Bank appears well positioned for medium- to long-term expansion, provided it maintains disciplined underwriting and successfully balances growth with risk management. Its improving profitability, stronger secured-loan mix and robust deposit growth make its business outlook encouraging.
Share Price Targets:
Ujjivan Bank Share Price Target 2026
Based on the above discussion and analysis, the share price of Ujjivan Small Finance Bank Ltd is likely to touch the level of around Rs.77–80 in 2026
Ujjivan Bank Share Price Target 2030
Based on the above discussion and analysis, the share price of Ujjivan Small Finance Bank Ltd is likely to touch the level of around Rs.155–160 in 2030
Ujjivan Bank Share Price Target 2035
Based on the above discussion and analysis, the share price of Ujjivan Small Finance Bank Ltd is likely to touch the level of around Rs.325–350 in 2035
Ujjivan Bank Share Price Target 2040
Based on the above discussion and analysis, the share price of Ujjivan Small Finance Bank Ltd is likely to touch the level of around Rs.700-750 in 2040
Disclaimer: Investment in Capital Market/Share Prices are subject to market fluctuations and are dependent on several factors. These predictions are based on the current market conditions and the future market expectations. Investors are advised to take into consideration all these factors before making any investment in Capital Market. This article should not be treated as Investment advisory and is for general Guidance & Educational purpose only. We keep revising our share price targets based on the latest information available with us. Please keep visiting our website regularly to keep yourself updated. MoneyInsight does not offer investment advice and does not encourage any action based on its content.
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