Usha Financial Services Limited (UFSL) has released its Limited Reviewed Financial Results for the quarter and half year ending September 30, 2025, reporting strong growth across profitability, income, disbursements and asset quality.
The company’s performance underscores its solid fundamentals and sustained momentum as it scales its financial inclusion-led lending portfolio.
UFSL reported notable year-on-year growth in key financial metrics for H1 FY 2025–26. Profit Before Tax (PBT) rose to Rs 1,246.05 lakh from Rs 1,005.24 lakh, marking a 23.96 per cent increase, while Profit After Tax (PAT) grew to Rs 932.07 lakh compared to Rs 781.46 lakh last year, reflecting a rise of 19.27 per cent.
Total income for the period stood at Rs 3,439 lakh, up 25.26 per cent year-on-year. The company disbursed Rs 23,343.13 lakh in loans during the half year, a 24.10 per cent increase, while the number of loans disbursed surged from 1,375 to 5,847, registering a remarkable 325.24 per cent rise. Assets Under Management expanded to Rs 39,457.70 lakh, reflecting a 24.01 per cent increase, and the company’s net worth nearly doubled to Rs 21,650.68 lakh.
The company also reported robust business traction in the first half of the financial year. Revenue for H1 FY26 rose to Rs 3,439 lakh, driven by improved margins and operational efficiencies. Loan disbursements exceeded Rs 230 crore, supported by stronger market penetration and higher product adoption.
AUM grew to approximately Rs 395 crore, signalling healthy portfolio expansion, while net worth increased to Rs 217 crore, strengthening the company’s capital position and supporting a healthy Capital Adequacy Ratio.
Operationally, UFSL made significant progress in expanding its footprint in the small-ticket MSME loan segment through a branch-led model with a strong focus on empowering women entrepreneurs. The company is witnessing growing demand in rural and semi-urban regions, contributing to job creation and deeper financial inclusion. UFSL is also developing co-lending partnerships and introducing new products aimed at enhancing its presence in green financing and personal unsecured lending, strengthening its diversified business model and long-term growth prospects.
Commenting on the company’s performance, Geeta Goswami, CEO and Director of Usha Financial Services Limited, said the first half of FY 2025–26 delivered robust results with strong growth in revenue and profit.
She added that the company continues to witness margin expansion supported by a clear strategic focus on profitability, capacity optimisation and operational efficiency, which is driving consistent and strengthened financial outcomes for UFSL.
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