Corporate Overview

Statutory Reports

Financial Statements

Disclaimer

“This Annual Report has been prepared in accordance with Applicable Laws, including applicable Securities and Exchange Board of India (SEBI) and Reserve Reserve Bank of India (RBI regulations and may contain certain forward-looking statements which reflect Bank’s current views and expectations based on available information. These are subject to risks, uncertainties and assumptions and actual outcomes may differ significantly from those anticipated. The Bank does not undertake any obligation to revise or update any such forward looking statements, whether as a result of new information, future events or otherwise. The Annual Report is intended for general informational purposes only and should not be construed as financial, investment, legal or other professional advice and readers are advised to refer to official regulatory filings and consult professional advisors before making any decisions.

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Annual Report 2024-2025

img Annual Report 2024-2025
Business
Model

Creating Value,
Scaling Impact.

Our Resources

Financial Capital

We maintain a prudent mix of deposits, equity, loans, and investments, which facilitates sustained growth and delivers returns to our shareholders.

  • Total Deposits: ₹ 37,630 Crores
  • Advances: ₹ 32,122 Crores
  • Shareholders’ Fund: ₹ 6,083 Crores
  • Investments: ₹ 11,730 Crores
  • CASA Ratio: 25.56%

Manufacturing Capital

We combine top-tier technology infrastructure with our widespread network of branches, ATMs, and digital channels to maintain a smooth and seamless delivery of services to our valued customers.

  • Creating a unified service experience through a blend of physical and digital channels
  • Utilising ATMs, corporate offices, and other touchpoints
  • Implementing responsive and scalable core and supporting IT systems
  • No. of branches: 753

Intellectual Capital

We build on our ability to innovate and develop products and services that offer superior experiences, setting us apart within the industry.

  • Introducing cutting-edge digital initiatives and systems
  • Strengthening brand reputation
  • Formulating progressive internal policies
  • Establishing a robust risk management framework
  • Streamlining processes through automation

Social and Relationship Capital

We prioritise social empowerment and foster a financial ecosystem that is accessible to all.

  • CSR Expenditure: ₹ 17.56 Crores
  • Aligned towards ESG

Human Capital

We immensely value our skilled and diverse workforce, whose invaluable experience and proficiency are integral to our success.

  • Employee Base: 24,374
  • Women Employees: 4,896
  • Average Training Hours: 38.9 per Employee
  • Employee Engagement Score: 86
  • Employee Attrition Rate: <20%

Natural Capital

We focus on minimising our environmental footprint by adopting responsible operation and sustainable business practices

  • Total Energy Consumed: 73,826.7 GJ
  • Water Intensity per Crores Turnover: 21.6 GJ
  • 100% of the offices are replaced with energy efficient lighting systems
  • Sensor-based Taps are fitted into newly developed infrastructure
  • 10.1 MT of electronic devices was responsibly disposed of through authorised recyclers
  • Waste segregation is done at source, along with systematic measurement and responsible disposal of dry and wet waste across corporate and all the regional offices

Value Creation

Our Differentiators

Growing
reach

Diversified
product mix

Robust
digital
backbone

Well-equipped and
energised team

Strong
positioning as a bank
that positively
impacts society

Sound risk
management

Experienced
leadership team

Good governance

Outputs

95.1+ Lakhs

Total Customers

92.47%

Share of Digital Transactions in Total Transactions

₹ 7,201 Crores

Total Income

51,003

Vehicles Financed

Outcomes

Financial Capital

  • Net Interest Income: ₹ 3,636 Crores
  • Net Interest Margin: 8.8%
  • Net Profit after Tax: ₹ 726 Crores
  • Return on Assets: 1.7%
  • Return on Equity: 12.4%
  • EPS: ₹ 3.75 per share
  • Capital Adequacy Ratio: 23.1%
  • Gross NPA: 2.2%
  • Net NPA: 0.5%

Manufacturing Capital

  • Total Banking Outlets: 753
  • Retail asset centres: 23
  • ATM + Cash Withdrawal/Deposit Machines: 613
  • Districts Covered: 326

Intellectual Capital

  • New Customers on-boarded onto Digital Channels: 8.69 Lakhs

Social and Relationship Capital

  • CSR Beneficiaries: 1,215,494+
  • PwDs Empowered: 662+
  • Infrastructure Development projects (Chote Kadam): 64+
  • Hours of Employee Volunteering: 14,560+

Human Capital

  • New Hires: 8,065
  • Women in Workforce: 20%
  • Employee Happiness Index: 4.3 (Out of 5)

Natural Capital

  • Scope 1 Emissions: 600.5 MT of CO2 Equivalent
  • Scope 2 Emissions: 13,270 MT of CO2 Equivalent
  • Scope 3 Emissions: 17,908 MT of CO2 Equivalent (Cat 1,2,3,5,6,15)
  • Solar Energy Generated: 51.09 GJ

UN SDGS*

Natural Capital

Manufacturing Capital

Intellectual Capital

Social and Relationship Capital

Human Capital

Natural Capital

* United Nations Sustainable Development Goals

Journey of Ujjivan
Geographical Presence