Disclosure under SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
Pursuant to Regulation 30 read with Schedule III of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 and Regulation 8 read with Schedule A of SEBI (Prohibition of Insider Trading) Regulations, 2015, we hereby share the following information:
Key Business Highlights for the Quarter ended March 31, 2025: Deposits:
Gross Loan Book:
Particulars (₹ in crore)
Mar 31, 2025
Mar 31, 2024
Y-o-Y
Dec 31, 2024
Q-o-Q
Gross Loan Book*
32,122
29,780
7.9%
30,466
5.4%
Micro Group Loan
13,090
16,009
-18.2%
13,663
-4.2%
Individual Loan
5,194
4,799
8.2%
4,953
4.9%
Affordable Housing#
7,308
4,924
48.4%
6,393
14.3%
MSME
2,047
1,414
44.8%
1,694
20.8%
FIG
2,785
1,731
60.9%
2,257
23.4%
Others^
1,698
902
88.2%
1,506
12.7%
Total Secured Book
14,002
8,990
55.7%
11,984
16.8%
Secured Book (%)
43.6%
30.2%
39.3%
Disbursements:
Particulars (₹ in crore)
Q4 FY 25
Q4 FY 24
Y-o-Y
Q3 FY 25
Q-o-Q
Overall Disbursement
7,455
6,681
11.6%
5,362
39.0%
Micro Group Loan
2,787
3,712
-24.9%
2,029
37.4%
Individual Loan
1,185
1,219
-2.8%
857
38.3%
Affordable Housing
1,130
730
54.8%
813
39.0%
MSME
533
128
316.6%
332
60.6%
FIG
1,064
546
94.8%
596
78.4%
Others^
756
346
118.6%
735
2.9%
Note – *Includes IBPC/ Securitization of ₹ 195 crore as on Mar’25 | ₹ 199 crore as on Dec’24 | ₹ 2,360 crore as on Mar’24; #Includes M-LAP;
^Includes Vehicle Loans, Gold Loan, Staff Loan, OD-FD & others
Collections & Asset Quality:
Particulars
Mar 31, 2025
Dec 31, 2024
Mar 31, 2024
PAR
4.5%
5.4%
3.5%
GNPA
2.2%
2.7%
2.1%
Particulars
Mar’25
Feb’25
Jan’25
Collection Efficiency (including foreclosure/ advance etc.)
108.5%
106.6%
106.8%
Collection Efficiency
96.9%
96.6%
96.3%
Micro Banking (GL and IL): X Bucket Collection Efficiency
X Bucket CE %
Mar’25
Feb’25
Jan’25
Dec’24
Overall
99.5%
99.0%
99.2%
99.3%
Karnataka
98.7%
96.8%
98.4%
99.1%
Others (Excl. Karnataka)
99.6%
99.4%
99.3%
99.3%
The information with reference to Q4FY25 is provisional and subject to an audit / limited review by the statutory auditors of the Bank. We request you to bring the above to the notice of all concerned.
This intimation shall be available on the Bank’s website at www.ujjivansfb.in
