Ujjivan Small Finance Bank (BOM:542904) Moat Score: 0/10 (As of Aug. 08, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:542904 Ujjivan Small Finance Bank Ltd BOM:542904
72 GF Score
Price ₹70.05
GF Value ₹60.82
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Ujjivan Small Finance Bank Moat Score?

Ujjivan Small Finance Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Ujjivan Small Finance Bank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Ujjivan Small Finance Bank might have No Moat - No discernible moat.

Ujjivan Small Finance Bank  (BOM:542904) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Ujjivan Small Finance Bank Moat Score Related Terms

BOM:542904
72GF Score
Ujjivan Small Finance Bank Ltd BOM:542904
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Ujjivan Small Finance Bank (BOM:542904) Overvalued in 2026?

Based on GuruFocus' analysis, Ujjivan Small Finance Bank stock appears to be overvalued. The current stock price of ₹70.05 is trading 15.2% above its estimated GF Value™ of ₹60.82. GuruFocus considers Ujjivan Small Finance Bank to be Modestly Overvalued.

Key valuation signals for BOM:542904:

  • Moat Score: 0
  • GF Value™: ₹60.82 vs. price of ₹70.05 (15.2% above fair value)
  • GF Score™: 72/100 with 5 warning signs

No single metric tells the full story. See the BOM:542904 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Ujjivan Small Finance Bank Business Description

Other Exchanges UJJIVANSFB:India
Address No. 27, 3rd ‘A’ Cross, 18th Main, 6th Block, Grape Garden, Bengaluru, KA, IND, 560 095
Ujjivan Small Finance Bank Ltd is a mass-market-focused SFB in India, catering to unserved and underserved segments and committed to building financial inclusion in the country. Its segments are Treasury; Retail Banking; and Corporate/Wholesale Banking. The company's asset products comprise loans to its micro banking customers that include group loans and individual loans, agriculture and allied loans, MSE loans, affordable housing loans, financial institutions group loans, personal loans, and vehicle loans. It also offers savings accounts, current accounts, and a variety of deposit accounts. In addition, the company also provides non-credit offerings comprising ATM-cum-debit cards, Aadhaar enrolment services, distribution of third-party insurance products, and point-of-sales terminals.
72GF Score

Get the complete analysis for BOM:542904

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹70.05
Price
₹60.82
GF Value