Unity Small Finance Bank›Financial health

Unity Small Finance Bank

RBI-published financial indicators · Q4FY2026

SFBUnlisted
Compared with 43 banks
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Capital adequacyⓘ
RBIRBI min 9%
—
Gross NPAⓘ
RBI PCAPCA trigger 6%
—
Return on assetsⓘ
RBI PCAPCA floor 0.25%
✓

Deposits insured up to ₹5,00,000

Per depositor, per bank — by DICGC (RBI subsidiary)

🛡

Safety & asset quality

Capital buffer + bad-loan ratios. Higher CAR, lower NPA = safer.

Capital adequacy (CAR)ⓘ
—
RBIRBI min 9%
Gross NPAⓘ
—
RBI PCAPCA trigger 6%
Net NPAⓘ
—
RBI PCAPCA trigger 6%
📊

Profitability

Earnings efficiency. Strong margins & returns = well-run bank.

Net interest marginⓘ
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IndustryIndustry avg 2.5%+
CASA ratioⓘ
—
IndustryIndustry avg 30%+
Return on assetsⓘ
—
RBI PCAPCA floor 0.25%
Return on equityⓘ
—
IndustryIndustry avg 8%+
🏦

Scale & reach

Larger deposit base + branch network = wider accessibility.

Branchesⓘ
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Total depositsⓘ
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Total advancesⓘ
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Net profitⓘ
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Rankings:Among SFB peersAmong all 43 SCBs

Compare all banks

Side-by-side on any metric. Click a bank name to view its page. Data: Q4FY2026.

#BankCapital adequacy
1
Tamilnad Mercantile BankPrivate
33.73%
2
IDBI BankPrivate
26.65%
3
Kotak Mahindra BankPrivate
23.40%
4
Capital Small Finance BankSFB
22.31%
5
ESAF Small Finance BankSFB
22.20%
6
City Union BankPrivate
21.92%
7
Equitas Small Finance BankSFB
21.40%
8
Ujjivan Small Finance BankSFB
21.14%
9
Shivalik Small Finance BankSFB
20.80%
10
CSB BankPrivate
20.66%
11
Suryoday Small Finance BankSFB
20.45%
12
Karnataka BankPrivate
20.07%
13
Indian Overseas BankPSU
19.78%
14
HDFC BankPrivate
19.70%
15
South Indian BankPrivate
19.66%
16
Jana Small Finance BankSFB
19.40%
17
Dhanlaxmi BankPrivate
18.92%
18
Karur Vysya BankPrivate
18.76%
19
AU Small Finance BankSFB
18.68%
20
UCO BankPSU
18.51%
21
Bank of MaharashtraPSU
18.36%
22
Central Bank of IndiaPSU
17.91%
23
DBS BankForeign
17.80%
24
Utkarsh Small Finance BankSFB
17.71%
25
Axis BankPrivate
17.60%
26
Punjab & Sind BankPSU
17.42%
27
Union Bank of IndiaPSU
17.25%
28
Canara BankPSU
17.04%
29
IndusInd BankPrivate
16.95%
30
Bank of BarodaPSU
16.90%
31
Bandhan BankPrivate
16.60%
32
Jammu & Kashmir BankPrivate
16.55%
33
DCB BankPrivate
16.55%
34
Bank of IndiaPSU
16.50%
35
Indian BankPSU
16.45%
36
Punjab National BankPSU
16.10%
37
Federal BankPrivate
15.70%
38
IDFC First BankPrivate
15.60%
39
State Bank of IndiaPSU
15.40%
40
ICICI BankPrivate
15.30%
41
Yes BankPrivate
15.30%
42
RBL BankPrivate
14.25%
42 banks · sorted by Capital adequacy (CAR) (higher is better)RBI minimum: 9%

Data sources & disclaimer

All data sourced from RBI quarterly statistical supplements, bank investor presentations, BSE/NSE filings, Screener.in (stock returns), Google Play Store (app ratings), and RBI Ombudsman Annual Report (complaint data). This is a factual transparency dashboard — not a credit rating, safety score, investment recommendation, or opinion on any bank. Checkmarks (✓) indicate the reported value meets or exceeds a specific published RBI regulatory threshold or industry average — they are not endorsements or pass/fail judgments. Green highlighting indicates the value meets a published RBI threshold or industry benchmark; grey cards are informational comparisons without a pass/fail threshold. Peer rankings are factual sort-order among banks with published data. DICGC deposit insurance (₹5 lakh) applies to all scheduled commercial banks regardless of any metric shown here. Stock returns are historical CAGR — past performance does not guarantee future results. App ratings are from Google Play Store and reflect user-submitted reviews; they are not verified by MyPassbook. Ombudsman complaint data is from the RBI Annual Report on the Ombudsman Schemes (FY2022-23); bank-wise data for later periods is not publicly available. MyPassbook is not a SEBI-registered investment adviser or credit rating agency.