Ujjivan Small Finance Bank ne Q2 FY27 mein investors ko khush kar diya hai. Company ka net profit pichle saal ke **₹121.72 Cr** se badhkar seedha **₹365.05 Cr** par pahunch gaya hai.
Profit ka rocket mode
Bank ne is baar quarterly results mein kamaal kar diya hai. Agar hum total income ki baat karein, toh wo ₹2,448.94 Crore tak pahunch gayi hai, jo pichle saal isi period mein ₹1,938.66 Crore thi. EPS yani Earnings Per Share bhi jump maarkar ₹1.87 ho gaya hai, jo last year sirf ₹0.63 tha.
Asset Quality mein sudhaar
Sirf profit nahi, bank ne apne bad loans (NPAs) ko bhi control mein rakha hai. Gross NPA ratio ghatt kar 2.10% ho gaya hai (jo pehle 2.45% tha), aur Net NPA bhi sudhar kar 0.31% par aa gaya hai. Iska matlab hai ki bank ki balance sheet ab pehle se kaafi strong dikh rahi hai.
Capital buffer aur aage ka raasta
Bank ka Capital Adequacy Ratio (CAR) 20.69% par hai, jo future mein lending badhane ke liye ek solid safety net hai. Halanki, small finance bank sector mein competition bohot hai, isliye aane wale quarters mein margins kaise rehte hain, us par nazar rakhna zaroori hoga.