Share of Ujjivan Small Finance Bank Limited is currently trading at around Rs.44/-Existing as well as Prospective Investors are asking for Ujjivan Bank Share Price Target 2025 as well as targets for 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 about the Ujjivan Bank Share Price Target 2025 as well as targets for 2030, 2035 and 2040.
Discussion & Analysis of Business & Financial performance with future Business Prospects of Ujjivan Small Finance Bank Ltd:
Ujjivan Small Finance Bank Ltd (Ujjivan SFB) has demonstrated a robust performance in recent years, underpinned by strategic initiatives aimed at enhancing its financial metrics and expanding its market presence.
Current Business Performance
In the fiscal year 2024–25, Ujjivan SFB reported a total income of ₹7,201 crore, marking an 11% year-on-year increase. The bank’s net interest margin (NIM) stood at 8.8%, reflecting a slight decrease from the previous year’s 9.1%. The return on assets (RoA) and return on equity (RoE) were recorded at 1.6% and 12.4%, respectively, indicating a solid profitability framework
The bank’s gross loan book expanded by 8% year-on-year to ₹32,122 crore as of March 2025. Notably, the proportion of secured loans increased to 44% from 30% in the previous year, aligning with the bank’s strategy to diversify its loan portfolio. Total deposits grew by 19.6% year-on-year to ₹37,617 crore, with the current account and savings account (CASA) ratio at 25.6%.
Asset quality remained stable, with the gross non-performing assets (GNPA) ratio at 2.2% as of March 2025, a slight improvement from 2.7% in December 2024. The bank’s collection efficiency was reported at 96.9%, underscoring effective credit management practices.
Future Business Prospects
Looking ahead, Ujjivan SFB has outlined a strategic roadmap aimed at transitioning into a universal bank by March 2025. This transition involves diversifying its loan portfolio, enhancing digital infrastructure, and expanding its geographical footprint.
The bank plans to increase its focus on secured lending segments, including affordable housing, micro, small, and medium enterprises (MSMEs), and vehicle financing. Additionally, Ujjivan SFB is investing in digital transformation initiatives, such as mobile banking applications and online services, to improve customer experience and operational efficiency
To support its growth ambitions, Ujjivan SFB is expanding its branch network, particularly in underserved regions, to drive customer acquisition and promote financial inclusion. The bank is also exploring partnerships with fintech companies to offer innovative financial products and services.
In summary, Ujjivan Small Finance Bank’s strong financial performance, coupled with its strategic initiatives focused on diversification, digital transformation, and expansion, position it well for sustained growth and a successful transition to a universal banking model
Share Price Targets:
Ujjivan Bank Share Price Target 2025
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.35-40 in 2025
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.90-100 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.180-200 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.475-500 in 2040
Disclaimer: Investments 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. News4You does not offer investment advice and does not encourage any action based on its content.
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