Ujjivan Small Finance Bank Listed

Ujjivan positions itself as a mass-market bank targeting India's financially excluded population.

Original NBFC mission (2005) targeted the economically active poor underserved by mainstream financial institutions.

Ujjivan provides round-the-clock customer support through a toll-free number, WhatsApp banking, and video banking, combining automated self-service with human assistance.

Beyond general customer care, the bank runs a dedicated rural banking support team and a separate team for loan-related queries, reflecting differentiated service for its mass-market and rural customer base.

Core activity is originating and underwriting collateral-free group loans alongside individual home, gold, vehicle, agricultural and MSME loans for financially underserved customers.

The bank mobilizes funding through a range of savings, current, fixed and recurring deposit products — including its Sampoorna Nidhi and Sampoorna Lakshya schemes — to fund its loan book.

Ujjivan runs community-development, livelihood and digital-literacy CSR programs, including its 'Chote Kadam' school and community infrastructure initiative, aimed at its underserved customer base.

The bank operates and services a 24/7 digital stack — internet banking, mobile app, UPI, WhatsApp banking, SMS/missed-call banking and video banking — to reach customers beyond the branch network.

Ujjivan operates as a scheduled bank under a Small Finance Bank license from the RBI, having converted from NBFC-MFI status when banking operations commenced on February 1, 2017.

As of March 31, 2026, the bank reported a net worth of ₹6,815.68 crore and a capital adequacy ratio of 21.14%, the financial capital underpinning its lending growth.

The bank's physical footprint comprised 777 branches and 613 ATMs as of December 2025, headquartered in Bengaluru.

Field staff use tablet-based origination technology to onboard and process loans, part of a broader digital stack spanning internet banking, mobile app, UPI and video banking.

Ujjivan distributes a 3-in-1 Demat account through SMC, giving customers access to stock trading via a full-service or discount broker through the bank's investment product shelf.

The bank delivers its community development, livelihood, education and disaster-relief CSR programs through named implementation partners including ProVision Asia, CDT, and Divya Nur Foundation.

Interest/discount on advances and bills was Ujjivan's dominant income line at ₹6,077.47 crore for FY2025-26 (year ended March 31, 2026) — about 76% of total income — earned across its microfinance, MSME, housing and other retail loan portfolios.

The bank earned ₹830.33 crore from income on investments in FY2025-26, its second-largest interest-income component after loan interest.

Non-interest 'other income' added ₹1,107.52 crore in FY2025-26, supplementing interest income from lending and treasury operations.

Interest expended — the cost of deposits and borrowings funding the loan book — was ₹3,060.45 crore for FY2025-26 (year ended March 31, 2026), up from ₹2,718.12 crore a year earlier, and is the bank's single largest expense line.

Employee costs totaled ₹1,790.97 crore in FY2025-26, the larger of the bank's two operating-expense components.

Non-employee operating expenses (branches, technology, administration) totaled ₹1,477.42 crore in FY2025-26.

The bank set aside ₹799.10 crore in provisions and contingencies (other than tax) in FY2025-26, primarily credit-cost provisioning against its loan book.