Over 5 million customers are served by the well-known Ujjivan Small Finance Bank, which has operations in 24 states and union territories. The bank was founded in 2017 as a division of Ujjivan Financial Services Limited, and since then, both its clientele and financial performance have developed quickly. Strong fundamentals and a promising outlook for the Indian banking industry have been driving up the share price of Ujjivan Small Finance Bank in recent years.
This article will examine the past performance, present market position, and long-term growth potential of Ujjivan Small Finance Bank in more detail. We’ll also examine the elements that could have an impact.
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USFB IN RECENT NEWS
- The share price of Ujjivan Small Finance Bank increased by 5% due to a rise in deposits and an improvement in asset quality.
USFB SHARE PRICE TARGET 2023
USFB SHARE PRICE TARGET 2023 | Maximum Price | Minimum Price |
April 2023 | ₹27.65 | ₹21.27 |
May 2023 | ₹23.04 | ₹17.72 |
June 2023 | ₹27.65 | ₹21.27 |
July 2023 | ₹33.18 | ₹25.52 |
August 2023 | ₹36.50 | ₹28.08 |
September 2023 | ₹38.32 | ₹29.48 |
October 2023 | ₹36.50 | ₹28.08 |
November 2023 | ₹40.15 | ₹30.88 |
December 2023 | ₹44.97 | ₹34.59 |
Ujjivan Small Finance Bank’s share price may experience some volatility in April 2023, with a maximum price target of ₹27.65 and a minimum price target of ₹21.27. The share price may face downward pressure in May 2023, with a maximum price target of ₹27.65 and a minimum price target of ₹17.72. However, June 2023 may bring some stability to the share price, as the maximum and minimum price targets remain the same as in May.
In July 2023, there may be a positive trend in the share price, with a maximum price target of ₹33.18 and a minimum price target of ₹25.52. This positive trend may continue in August 2023, with a maximum price target of ₹36.50 and a minimum price target of ₹28.08. In September 2023, the share price may continue to experience positive growth, with a maximum price target of ₹38.32 and a minimum price target of ₹29.48.
There may be some volatility in October 2023, with a maximum price target of ₹36.50 and a minimum price target of ₹28.08. However, November 2023 may bring another positive trend to the share price, with a maximum price target of ₹40.15 and a minimum price target of ₹30.88.
Finally, in December 2023, the share price may reach its highest point of the year, with a maximum price target of ₹44.97 and a minimum price target of ₹34.59, indicating a continuation of the positive trend throughout the end of the year.
USFB SHARE PRICE TARGET 2024
USFB SHARE PRICE TARGET 2024 | Maximum Price | Minimum Price |
January 2024 | ₹47.33 | 1037.03 |
February 2024 | ₹53.18 | ₹44.32 |
March 2024 | ₹55.98 | ₹45.51 |
April 2024 | ₹50.89 | ₹39.15 |
May 2024 | ₹42.41 | ₹32.62 |
June 2024 | ₹50.89 | ₹39.15 |
July 2024 | ₹43.26 | ₹33.53 |
August 2024 | ₹47.58 | ₹37.77 |
September 2024 | ₹49.96 | ₹38.43 |
October 2024 | ₹58.78 | ₹45.22 |
November 2024 | ₹61.72 | ₹47.48 |
December 2024 | ₹62.95 | ₹48.43 |
In January 2024, the maximum share price target is ₹47.33, while the minimum price target is an unusually high figure of 1037.03, which could suggest some uncertainty in the market.
In February and March 2024, the maximum share price target increases to ₹53.18 and ₹55.98, respectively, while the minimum price target drops to ₹44.32 and ₹45.51, respectively.
However, in April and May 2024, the maximum share price target drops to ₹50.89 and ₹42.41, respectively, while the minimum price target drops to ₹39.15 and ₹32.62, respectively.
In June 2024, the maximum share price target once again reaches ₹50.89, while the minimum price target remains the same as in May at ₹39.15. This suggests that the share price may experience some stability during this month.
In July and August 2024, the maximum share price target increases to ₹43.26 and ₹47.58, respectively, while the minimum price target rises to ₹33.53 and ₹37.77, respectively. This suggests that the share price may continue to experience some positive growth during these months.
In September 2024, the maximum share price target rises to ₹49.96, while the minimum price target increases to ₹38.43. This suggests that the positive trend in the share price may continue during this month.
In October and November 2024, the maximum share price target increases significantly to ₹58.78 and ₹61.72, respectively, while the minimum price target rises to ₹45.22 and ₹47.48, respectively. This indicates that there may be a strong positive trend in the share price during these months.
In December 2024, the maximum share price target reaches ₹62.95, while the minimum price target increases to ₹48.43.
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USFB SHARE PRICE TARGET 2025
USFB SHARE PRICE TARGET 2025 | Maximum Price | Minimum Price |
January 2025 | ₹64.21 | ₹49.39 |
February 2025 | ₹67.59 | ₹51.99 |
March 2025 | ₹70.97 | ₹54.59 |
April 2025 | ₹63.37 | ₹48.74 |
May 2025 | ₹57.61 | ₹44.31 |
June 2025 | ₹63.37 | ₹48.74 |
July 2025 | ₹60.35 | ₹46.42 |
August 2025 | ₹62.86 | ₹48.36 |
September 2025 | ₹66.01 | ₹50.78 |
October 2025 | ₹69.97 | ₹53.82 |
November 2025 | ₹74.87 | ₹57.59 |
December 2025 | ₹76.36 | ₹58.74 |
In January 2025, the maximum share price target is ₹64.21, while the minimum price target is ₹49.39. This suggests that there may be some volatility in the share price during this month.
In February 2025, both the maximum and minimum share price targets increase, with the maximum reaching ₹67.59 and the minimum reaching ₹51.99. In March 2025, the trend continues, with the maximum share price target increasing to ₹70.97 and the minimum price target increasing to ₹54.59.
In April 2025, the maximum share price target drops to ₹63.37, while the minimum price target decreases to ₹48.74. . In May 2025, the trend continues, with both the maximum and minimum share price targets decreasing, reaching ₹57.61 and ₹44.31, respectively.
However, the positive trend resumes in June 2025, with the maximum and minimum share price targets increasing to ₹63.37 and ₹48.74, respectively. In July 2025, the maximum share price target drops slightly to ₹60.35, while the minimum price target increases to ₹46.42.
In August 2025, both the maximum and minimum share price targets increase again, with the maximum reaching ₹62.86 and the minimum reaching ₹48.36. In September 2025, the positive trend continues, with the maximum share price target increasing to ₹66.01 and the minimum price target increasing to ₹50.78.
In October 2025, both the maximum and minimum share price targets reach their highest point for the year, at ₹69.97 and ₹53.82, respectively. In November 2025, the positive trend continues, with the maximum share price target increasing to ₹74.87 and the minimum price target increasing to ₹57.59. Finally, in December 2025, the maximum share price target reaches ₹76.36, while the minimum price target increases to ₹58.74.
USFB SHARE PRICE TARGET 2026 TO 2030
USFB SHARE PRICE TARGET BY | Maximum Price | Minimum Price |
2026 | ₹53.45 | ₹37.42 |
2027 | ₹45.44 | ₹31.81 |
2028 | ₹81.79 | ₹57.25 |
2029 | ₹168.00 | ₹117.60 |
2030 | ₹187.09 | ₹130.96 |
In 2026, the maximum share price target is ₹53.45, while the minimum share price target is ₹37.42. In 2027, the maximum share price target drops to ₹45.44, while the minimum share price target decreases to ₹31.81.
However, in 2028, the maximum share price target jumps to ₹81.79, while the minimum share price target increases to ₹57.25. In 2029, the maximum share price target experiences a significant increase to ₹168.00, while the minimum share price target rises to ₹117.60.
In 2030, the maximum share price target remains relatively stable at ₹187.09, while the minimum share price target increases to ₹130.96.
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FINANCIAL STRENGTH OF USFB (2018 TO 2022)
ANNUAL | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
Total Income | 3,126.07 | 3,116.89 | 3,025.81 | 2,037.57 | 1,579.36 |
Total Income Growth (%) | 0.29 | 3.01 | 48.50 | 29.01 | 598.51 |
Provisions & Contingencies | 1,005.08 | 801.00 | 287.31 | 109.80 | 312.76 |
Provisions & Contingencies Growth (%) | 25.48 | 178.79 | 161.66 | -64.89 | 5,810.60 |
Profit after Tax (PAT) | -414.59 | 8.30 | 349.92 | 199.22 | 6.86 |
PAT Growth (%) | -5,096.93 | -97.63 | 75.65 | 2,802.94 | 0.00 |
Net Interest Margin (%) | 7.51 | 8.48 | 8.87 | 8.05 | 9.08 |
Net Profit Margin (%) | -14.73 | 0.29 | 12.94 | 10.87 | 0.46 |
Basic EPS (₹) | -2.40 | 0.05 | 2.19 | 1.20 | 0.05 |
Looking at the financial statements of USF Bank from the past five years, there have been fluctuations in the company’s growth. Total income has shown a steady growth rate with a slight increase of 0.29% in FY 2022 as compared to FY 2021. However, the growth rate in revenue has been significant from FY 2018 to FY 2020, with a percentage growth of 598.51%.
On the other hand, provisions and contingencies have been on a constant rise from FY 2018, increasing by 161.66% in FY 2020, and reaching a maximum of 1,005.08 in FY 2022. The profit after tax (PAT) of the company has been volatile, with negative growth of -5,096.93% in FY 2022 and a significant growth of 2,802.94% in FY 2019. The net interest margin has been on a decline, with a minimum of 7.51% in FY 2022, whereas the net profit margin has shown an upward trend, reaching a maximum of 12.94% in FY 2020.
The basic earnings per share (EPS) have also shown inconsistency, with negative EPS of -2.40 in FY 2022 and a maximum of 2.19 in FY 2020. In summary, the financial statements of USF Bank suggest fluctuating growth with certain areas showing significant improvements, while others need further attention.
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FAQ’s
How has Ujjivan Small Finance Bank’s revenue growth been in recent years?
According to the financial statement provided, Ujjivan Small Finance Bank’s total income has steadily grown over the past five years, from INR 1,579.36 crore in FY 2018 to INR 3,126.07 crore in FY 2022. The growth rate has varied from year to year, with the highest increase seen between FY 2019 and FY 2020, at 48.5%.
What is Ujjivan Small Finance Bank’s net interest margin?
Ujjivan Small Finance Bank’s net interest margin has ranged from 7.51% in FY 2022 to 9.08% in FY 2018. This figure represents the difference between the interest income generated by the bank and the interest expenses it incurs.
CONCLUSION: UJJIVAN SMALL FINANCE BANK SHARE PRICE TARGET
USF Bank has demonstrated a considerable increase in its overall income over the past five years, with a revenue growth percentage of 598.51% in FY 2018–19. The bank’s PAT, however, has fluctuated, showing negative growth in FY 2021 and a significant fall in FY 2022. The bank’s net profit margin has been low, especially in FY 2022 when it was negative at -14.73%, despite the fact that the bank’s net interest margin has constantly been above 7%.
Before deciding to invest in USF Bank shares, it would be good to carry out additional research and analysis in light of the aforementioned facts.

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