International Journal Of Engineering, Business And Management(IJEBM)

This study aims to evaluate and compare the financial performance of AU Small Finance Bank and Ujjivan Small Finance Bank in the postpandemic period focusing on their stability efficiency and growth Employing a quantitative approach the research analyzes key financial metricsincluding profitability ratios asset quality capital adequacy and operational efficiencyusing secondary data from annual reports and regulatory disclosures over five years The findings reveal that Ujjivan consistently outperforms AU in return on assets and net profit margins despite relying less on debt financing Conversely AU demonstrates stronger asset base diversification and higher leverage These results imply that while Ujjivan exhibits superior asset utilization and profitability AUs strategic asset management offers resilience The insights contribute to understanding the evolving dynamics of small finance banks and support informed decisionmaking for stakeholders in Indias financial sector