This Bank is at a Turning Point

Описание: India’s microfinance sector has been under pressure for the last 12–15 months.Over-leveraging, borrower stress, political noise, and collection inefficiencies have impacted MFIs and Small Finance Banks, including Ujjivan Small Finance Bank. Asset quality weakened, credit costs rose, and profitability compressed. But over the last few quarters, an important shift is visible. Collections are normalising, slippages are moderating, and stress in the microfinance book appears to be peaking out.

The key question now is not whether microfinance faced stress;
the real question is: Is the worst behind Ujjivan, and has the recovery phase begun?

In this video, we do a ground-up analysis of Ujjivan Small Finance Bank to understand where the bank stands today and what the next phase could look like.

What this video covers:

• Microfinance sector stress and its impact on Ujjivan
• Business model evolution from a pure MFI to a diversified SFB
• Detailed loan book breakdown: micro vs non-micro segments
• Shift towards secured lending and portfolio diversification
• Asset quality trends, collections, slippages, and recovery signals
• Financial performance and recent improvement in profitability
• Deposit franchise strength, CASA ratio, and cost of funds
• Management’s long-term roadmap and FY30 vision
• Universal Banking License impact on growth and valuation
• Valuation analysis vs other Small Finance Banks
• Key risks investors must track

Who should watch this video?

• Investors tracking microfinance and small finance banks
• Long-term investors looking at recovery stories
• Viewers analysing banking business models and asset quality cycles
• Anyone evaluating valuation vs turnaround potential

Disclosure
Stoic Wealth is registered with SEBI under the SEBI (Research Analyst) Regulations, 2014, with registration no. INH000022224.

Registration granted by SEBI, enlistment as a Research Analyst with the Exchange, and certification from NISM do not guarantee performance of the intermediary or provide any assurance of returns to investors.

Standard Warning
Investments in securities market are subject to market risks. Read all related documents carefully before investing. Past performance is not indicative of future returns..

If you found this analysis useful, LIKE the video, SUBSCRIBE to Stoic Wealth, and share it with someone who follows banking and finance stocks.

⏱ Time Stamps:

00:00 – Sector Context & Introduction
01:27 – Business Model & Loan Book Structure
04:56 – Financial Performance & Recovery Signals
06:17 – Future Outlook & FY30 Vision
08:14 – Valuation Analysis
09:22 – Key Risks & Final Thoughts

Hashtags:

#UjjivanSmallFinanceBankshare #BankingStocks #Microfinance
#SmallFinanceBankshare #IndianStockMarket #StoicWealth
#StockAnalysis #ValueInvesting #BankingSector #ujjivansfbstock