Key Business Highlights for the Quarter ended June 30, 2024:
Deposits:
• Total deposits grew 22%/3% YoY/QoQ to ₹ 32,500 crore from ₹ 26,660 crore / ₹ 31,462 crore in Jun’23/ Mar’24
• CASA book witnessing a healthy growth up 27%YoY and stable vs Mar’24 at ₹ 8,336 crore
Particulars (₹ in Crores) Jun 30, 2024 Jun 30, 2023 Y-o-Y Mar 31, 2024 Q-o-Q
Total Deposits 32,500 26,660 22% 31,462 3%
CASA 8,336 6,556 27% 8,335 0%
CASA Ratio 25.6% 24.6% 26.5%
Assets:
• Gross Loan Book* up 19%/1% YoY/QoQ to ₹ 30,091 crore from ₹ 25,326 crore/ ₹ 29,780 crore in Jun’23/ Mar’24
• Secured book at 31.5% Vs 27.1%/ 30.2% as on Jun’23/ Mar’24 as other secured businesses continue to scale-up
• Credit to Deposit ratio at 85.3% Vs 85.3% / 87.1% as on Jun’23/ Mar’24 (excluding IBPC/ Securitisation)
Particulars (₹ in Crores) Jun 30, 2024 Jun 30, 2023 Y-o-Y Mar 31, 2024 Q-o-Q
Gross Loan Book* 30,091 25,326 19% 29,780 1%
Disbursements 5,305 5,284 0% 6,681 (21)%
Note – *Includes IBPC/ Securitization of ₹ 2,369 crore as on Jun’24 | ₹ 2,573 crore as on Jun’23 | ₹ 2,360 crore as on Mar’24
# including Micro-LAP; Figures in parentheses represent negative values
National Stock Exchange of India Limited
Listing Department
Exchange Plaza, C-1, Block G, Bandra Kurla Complex, Bandra(E)
Mumbai – 400 051
Symbol: UJJIVANSFB
BSE Limited
Listing Compliance
P.J. Tower,
Dalal Street, Fort, Mumbai – 400 001
Scrip Code: 542904
Collections & Asset Quality at comfortable levels
• Collection continues to be healthy across all buckets
• PAR/GNPA at 4.3%/2.3% vs 3.5%/2.1% as on Mar 31, 2024 (including IBPC/ Securitisation)
Particulars Jun 30, 2024 Mar 31, 2024 Jun 30, 2023
PAR 4.3% 3.5% 3.8%
GNPA 2.3% 2.1% 2.4%
Particulars Jun’24 May’24 Apr’24
Collection Efficiency (including foreclosure/ advance etc.) 107% 109% 108%
Collection Efficiency 98% 98% 98%