What we do Ujjivan Small Finance Bank Limited is an Indian small finance bank focused on financial inclusion for underserved and mass market segments through diversified banking services. |
Founded in 2,015 |
Market share Over 750 branches across 26 states serving 95+ lakh customers, with expanding retail deposit and loan portfolio. |
Problem solved Bridging the financial gap for unserved and underserved populations by providing accessible banking and credit. |
Top clients or who we serve Serving mass market customers including micro-borrowers, MSMEs, urban and semi-urban populations; primarily B2C with B2B and institutional touchpoints. |
Key management MD & CEO Sanjeev Nautiyal (MBA, experienced in State Bank of India and insurance); CFO Sadananda Balakrishna Kamath (CA, ACS); Executive Director Carol Furtado. |
Our journey and innovations Started as NBFC in 2005, became SFB in 2015, listed in 2019; introduced Hello Ujjivan voice-visual vernacular app, digital onboarding, and asset diversification. |
Where we operate Pan India across 26 states and union territories with 753 branches and over 600 ATMs |
Top products or what we offer Microfinance, housing loans, MSME financing, vehicle loans, gold loans, deposits including CASA, and treasury services. |
Top brands Hello Ujjivan app - India’s first voice-visual vernacular banking app; Microbanking; Asset Centres for MSMEs; comprehensive retail banking products. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue mainly recurring via interest on loans and deposit-based earnings, stable growth with broad retail base. |
Our industry position Among leading Indian SFBs with strong asset quality, expanding secured loan book and growing retail deposit franchise. |
Financial highlights FY25 revenue ₹6,354 Cr; Net profit ₹726 Cr; CASA ratio 25.5%; Branch network 753; CRAR 23.1%; NIM approx. 8.2%. |
Geographical revenue split Operations and revenue pan-India with strong presence in south, north, east and west regions. |
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Whats driving growth Digital initiatives, product diversification, branch expansion, increased secured lending, and strong retail deposit mobilization. |
Our future plans Transition to Universal Bank licensed by RBI, scale secured lending, enhance digital platforms, and expand customer base. |
Our green promise Energy conservation initiatives, solar energy usage, and sustainability reporting; ESG integration in operations and banking services. |
Our people and values 14,560 employees, strong training programs with 38.9 average hours per employee, diverse and inclusive workforce. |
Key challenges ahead Managing microfinance sector stress, asset quality risks, regulatory guardrails, and competitive banking landscape. |
Interesting facts First voice-visual vernacular banking app in India; recognized as top small finance bank with multiple awards. |
Risks and strategy Focus on robust risk management, credit underwriting enhancements, digital transformation, and maintaining strong capital adequacy. |
