Ujjivan Small Finance Bank Limited (UJJIVANSFB) has announced impressive financial results for Q2FY27, as detailed in the latest investor presentation. The bank’s deposits have crossed the ₹50,000 crore mark for the first time, growing 29.2% year-on-year to reach ₹50,643 crore. This robust growth is well-calibrated, maintaining a Cost of Funds at 6.9% and a CASA ratio at 26.0%. The bank introduced an ASBA facility for customers, which has significantly contributed to its growth. The bank’s capacity additions have led to the highest quarterly disbursement at ₹10,495 crore. Advances have grown by 32.1% with a secured share increasing to 52%.

Financial Performance

Ujjivan Small Finance Bank Limited showcased a robust quarterly performance with all-around financial discipline. The Net Interest Income (NII) stood at ₹1,244 crore, up 35% year-on-year. The bank’s credit cost was 0.7% of the Average Total Assets (ATA). The Provisioning Power of Profits (PPoP) increased to ₹594 crore, up 50% year-on-year. The Return on Assets (RoA) was 2.4% and the Return on Equity (RoE) was 19.7%. Capital optimization and robust profitability led to a Capital Adequacy Ratio (CRAR) increase by 33 basis points to 20.69%.

Operational Highlights

The bank has added over 100 branches in H1FY27, taking its total presence to 880 branches. Ujjivan Small Finance Bank Limited continued to optimize operations and delivered the highest quarterly Profit After Tax (PAT) of ₹365 crore, up 200% year-on-year. The bank’s gross loan book increased by 32% year-on-year to ₹45,699 crore and secured loan book grew by 47% year-on-year to ₹23,803 crore. The bank’s diversified loan book is spread across various segments and geographies, ensuring a well-rounded and resilient growth trajectory.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Ujjivan Small Finance Bank Limited

Ujjivan Small Finance Bank Limited belongs to the Financial Services › Banks – Regional sector. Here’s a quick read on where the business and the stock stand today.

Ujjivan holds in the upper half of its 52-week range, a sign the market backs the stock. Revenue consistency is the one bright spot — zero dips in five years shows operational resilience. No meaningful dividend — total return is entirely dependent on capital appreciation. The stock gains 0.7% in the last month, recovering from the three-month slide. However, it is too early to call this a confirmed reversal. The stock rises -0.6% in three months on 14.3% revenue growth. As a result, the market gives it more credit than the fundamentals strictly justify. Watch the next quarterly results. If growth accelerates, the move makes sense. If not, expect some gains to unwind. Check Fundamentals of Ujjivan Small Finance Bank Limited.

The Federal Bank Limited (NSE: FEDERALBNK) has announced its Q2 FY27 results, showcasing a decadal best record in core earnings and a significant surge in net profit. The company’s business franchise now stands over ₹6.4 lakh crore, marking a robust 20% year-on-year (YoY) growth. This impressive performance is underscored by the highest-ever net profit of ₹1,386 crore and other income of ₹1,490 crore.

Key Highlights

The Federal Bank’s balance sheet has strengthened with a balance sheet size of ₹4.27 lakh crore, up from ₹3.56 lakh crore YoY. The company’s core earnings have also seen a remarkable improvement, with a net interest margin (NIM) of 3.32% compared to 3.06% last year. The return on assets (RoA) and return on equity (RoE) have also seen significant improvements, standing at 1.32% and 13.57% respectively.

Deposit Mobilization and Advances Growth

Deposit mobilization continues to be a strong point for the bank, with total deposits growing by 7% quarter-on-quarter (QoQ) and the customer asset base crossing ₹3 lakh crore, also up 20% YoY. The advances growth has diversified, with retail book, gold loans, and commercial vehicle/construction equipment finance seeing notable increases.

Looking Ahead

The Federal Bank Limited remains optimistic about its future growth trajectory, with sustained improvement in profitability and a robust balance sheet. The bank’s focus on digital transformation and distribution strategy is expected to further drive its performance in the coming quarters.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of The Federal Bank Limited

The Federal Bank Limited belongs to the Financial Services › Banks – Regional sector. Here’s a quick read on where the business and the stock stand today.

The holds in the upper half of its 52-week range, a sign the market backs the stock. Industry-leading margins of 30.7% reflect exceptional pricing power and operational efficiency. Not a single revenue dip or loss quarter in five years — this is a business built to last through cycles. The stock trades at 77% of its 52-week range — near its best levels of the year. Clearly, the market pays a premium for this name. The business grows revenue at 16.6% and profits at 11.1%, with D/E of 0.86. The stock reflects that strength. Moreover, when fundamentals and price action align, the PEG of 1.61 premium is usually justified. Check Fundamentals of The Federal Bank Limited.

Karur Vysya Bank Limited (NSE: KARURVYSYA) has announced its financial results for the quarter ended 30th September 2026, showcasing robust growth across multiple metrics. The bank’s total business increased by 17.96% year-on-year and 5.48% quarter-on-quarter, reaching Rs. 2,39,712 crore. Deposits grew by 15.96% YOY and 4.52% QOQ to Rs. 1,28,123 crore, while advances grew at a robust 20.35% YOY and 6.60% QOQ to Rs. 1,11,589 crore.

Balance Sheet Growth

The bank’s balance sheet size grew by 15.94% to Rs. 1,50,831 crore as of 30th September 2026 from Rs. 1,30,099 crore a year ago. The total business and deposits have seen significant year-on-year growth, reflecting the bank’s strong performance in expanding its customer base and asset base.

Financial Performance

The bank’s net profit increased by 40.91% year-on-year to Rs. 1,543 crore for the half year ending 30th September 2026. The net profit for the quarter stood at Rs. 788 crore, up by 37.28% compared to the same period last year. The net interest margin improved to 4.34%, up by 28 basis points year-on-year. The cost to income ratio decreased to 40.53%.

Moreover, the bank’s capital adequacy ratio (CRAR) stood at 18.61% with a CET1 ratio of 17.98%, well above the regulatory requirement of 11.50%. The non-performing asset ratio (NPA) decreased to 0.69% as of 30th September 2026, reflecting the bank’s strong asset quality.

Karur Vysya Bank’s Managing Director & CEO, Mr. Ramesh Babu B, stated, ‘We are pleased to report that our key performance indicators are broadly in line with the guidance shared earlier. The business growth has been balanced and broad-based, with sustained performance across our three key priorities: growth, profitability, and asset quality.’ The bank’s focus on prudent calibrated growth, operational efficiency, customer centricity, and disciplined risk management positions it well for sustainable value delivery to all stakeholders.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Karur Vysya Bank Limited

Karur Vysya Bank Limited belongs to the Financial Services › Banks – Regional sector. Here’s a quick read on where the business and the stock stand today.

Karur rises 12.2% over three months, with buying pressure holding steady. The PEG of 0.38 is extremely low. Either the market misses the growth story, or there is a catch worth investigating. Industry-leading margins of 41.3% reflect exceptional pricing power and operational efficiency. The stock trades at 87% of its 52-week range — near its best levels of the year. Clearly, the market pays a premium for this name. Both the business and the stock move in the right direction. Revenue grows at 18.7%, profits at 31.4%, and the PEG sits at 0.38 — below its growth rate. That combination is rare. Check Fundamentals of Karur Vysya Bank Limited.