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:
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Key Business Highlights for the Quarter ended
March 31, 2025: Deposits:
Gross Loan Book:
| Particulars(₹incrore) | Mar31,2025 | Mar31,2024 | Y-o-Y | Dec31,2024 | Q-o-Q |
| GrossLoanBook* | 32,122 | 29,780 | 7.9% | 30,466 | 5.4% |
| MicroGroup Loan | 13,090 | 16,009 | -18.2% | 13,663 | -4.2% |
| IndividualLoan | 5,194 | 4,799 | 8.2% | 4,953 | 4.9% |
| AffordableHousing# | 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% |
| TotalSecured Book | 14,002 | 8,990 | 55.7% | 11,984 | 16.8% |
| SecuredBook(%) | 43.6% | 30.2% | 39.3% |
Disbursements:
| Particulars(₹incrore) | Q4FY25 | Q4FY24 | Y-o-Y | Q3FY25 | Q-o-Q |
| OverallDisbursement | 7,455 | 6,681 | 11.6% | 5,362 | 39.0% |
| MicroGroup Loan | 2,787 | 3,712 | -24.9% | 2,029 | 37.4% |
| IndividualLoan | 1,185 | 1,219 | -2.8% | 857 | 38.3% |
| AffordableHousing | 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 | Mar31,2025 | Dec31,2024 | Mar31,2024 |
| PAR | 4.5% | 5.4% | 3.5% |
| GNPA | 2.2% | 2.7% | 2.1% |
| Particulars | Mar’25 | Feb’25 | Jan’25 |
| CollectionEfficiency(includingforeclosure/advanceetc.) | 108.5% | 106.6% | 106.8% |
| CollectionEfficiency | 96.9% | 96.6% | 96.3% |
Micro Banking (GLandIL): X Bucket Collection Efficiency
| XBucketCE% | 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
