Ujjivan Small Finance Bank Ltd.
57.80
INR
-4.19
(-6.76%)
ISIN
INE551W01018
Return %
Stock
S&P 500
1Y
11.37
14.39
3Y
7.14
81.42
5Y
163.33
68.62
Capital Structure
INR
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in mil. unless spec.Working Capital
INR
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in mil. unless spec.Growth Rates
INR
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in mil. unless spec.Quarterly Revenue
INR
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in mil. unless spec.Quarterly Earnings Per Share
INR
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in mil. unless spec.Quarterly Dividends Per Share
INR
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in mil. unless spec.Company Description
- CEO
- Carol Kripanayana Furtado
- Full Time Employees
- 26,555
- Sector
- Finance
- Industry
- Regional banks
- Address
- Grape Garden Bengaluru KA India 560095
- IPO Date
- Dec 12, 2019
- Website
- ujjivansfb.bank.in
- Similar Companies
- Business
- Ujjivan Small Finance Bank Limited operates as a mass-market focused small finance bank in India, serving financially unserved and underserved segments through a comprehensive suite of deposit and lending products; its core offerings include savings accounts such as Privilege, Senior Citizen, Maxima, and Sampoorna family banking variants, current accounts including Maxima and Navratna premium options, fixed deposits with rates up to 7.45% including tax saver and senior citizen variants at 7.95%, recurring deposits, home loans and micro-mortgages from ₹2 lakh to ₹75 lakh at rates of 10.75%-17.99%, vehicle loans particularly two-wheelers targeting Tier II and III markets, MSME and working capital loans including supply chain finance, gold loans across 250 branches, agriculture and allied loans, micro loans for individual and group customers, personal loans, affordable housing loans, loan against property up to ₹30 crore at 10%-15%, forex and trade services following its 2024 RBI Authorised Dealer Category I licence, debit cards with lounge access and biometric ATMs, insurance distribution covering life, general and health products, video banking, mobile app Hello Ujjivan facilitating ₹690 crore in transactions for 13 lakh users, and internet/phone banking with Aadhaar-enabled KYC account opening. Headquartered in Bengaluru's Koramangala since commencing operations on 1 February 2017 following RBI licensing of its promoter Ujjivan Financial Services Limited founded in 2005 as an NBFC, the bank maintains 777 touchpoints across 334 districts in 26 states and union territories with top loan book exposure in Maharashtra, Karnataka, Tamil Nadu, Gujarat and Rajasthan, reporting a ₹33,287 crore gross loan book as of June 2025 diversified as 27% SME, 25% vehicle, 13% gold, 12% education, 11% MFI and 4% home loans. Recent developments encompass plans to raise ₹2,000 crore via qualified institutional placement over 18-24 months to fuel 20-25% annual loan book growth targeting ₹1 lakh crore by FY30 with 16-18% ROE, applications for a universal banking licence pending RBI decision by December 2025, branch expansion adding 123 outlets in FY24 to reach 752 across 26 states with 50 more planned for FY25 and 400 over five years, launches of Maxima savings/current accounts in August 2023 and enhanced digital features like pre-qualified top-up loans, working capital demand products and fintech partnerships for MSME outreach, secured book growth to 46% via micro-mortgages disbursing ₹128 crore in Q4 FY24, gold loan rollout to 250 branches from 60, individual loan transitions from group lending serving 80% of base, and 19% YoY Q1 FY25 loan book expansion to ₹30,069 crore despite microfinance sector stress.