Company Information – Overview History
Ujjivan Small Finance bank is a new-age small finance bank offering a new way of banking & financial needs. Ujjivan Small Finance bank is promoted by Ujjivan Financial Services Private Limited holding 80% of the stake. Being among the leading small finance banks in India, it is established in 2017 within 3 years of getting banking license from RBI.
Ujjivan Small Finance bank has a host of banking products and services to offer operating via its branch network, Internet Banking, and mobile banking services. Ujjivan Small Finance bank is engaged in personal/retail and corporate banking services. Apart from the regular services, such as Current & Savings accounts, Fixed and Recurring deposits, business accounts, Mutual funds, and a range of other services offered including microfinance loans to MSME sector, and MSME finance.
Ujjivan bank provides small-size loans to economically backward Women and Individuals belonging to the MSME category. It further integrates its technology infrastructure and back-end support lending approach and function before embarking on lending.
Spread across 24 states & Union Territories in India, the achievements include:
- 4.72 million Customers
- 474 Banking Outlets
- 387 ATMs
- 50 additionally operated Asset Centres
- Ujjivan Small Finance Banking Mobile applications provide services and menu options in 5 Major Indian languages
Ujjivan Small Finance Bank offers comprehensive Loan facility that include
- Offers Agriculture and allied loans
- Provide Affordable housing loans
- Extend Loans to micro banking poor and economically backward customers
- Provides Personal loans, financial institutions group loans, Vehicle loans, and MSE loans
- Distribution of 3rd Party Insurance products
Ujjivan Small Finance bank Share Price
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About Ujjivan Small Finance bank – Summary
We will take a glance about some important company facts and information, such as, management, registered office, listing info, etc. in this segment:
| Headquarters | Bengaluru, Karnataka, India |
| Established Year | 2017 |
| Company Type | Banking |
| Ujjivan Small Finance bank IPO | 2-4 December, 2019 |
| Founder | Samit Ghosh |
| Non- Executive Chairman | Sunil Patel |
| MD & CEO | Nitin Chugh |
| Owner | Ujjivan Financial Services Private Limited |
| Industry | Banking |
| Sector | Financial |
| Company Website | ujjivansfb.in |
Ujjivan Small Finance Bank Customer Ratings
| Products & Services | Rating |
| Micro Finance Lending Facility to MSE | ★ ★ ★ ★ |
| Savings, Current, and Corporate account | ★ ★ ★ ★ |
| UFSB Mobile App | ★ ★ ★ ★ |
| UFSB Loan Products | ★ ★ ★ ★ |
| Overall Ratings | ★ ★ ★ ★ |
Ujjivan Small Finance Bank Annual Report
The Annual report has been presented by Director of Ujjivan Small Finance bank together with Audited Statement of Accounts for the last Fiscal Year.
Financial Highlights:
We will review and deep dive into the financial performance of Ujjivan Small Finance Bank in terms of the financial results published in the latest Annual Report, Income statements, Balance sheets, Profit & Loss Statements, Cash Flows, and Ratio.
Income Statements Quarterly
| Quarterly | Jun-20 | Mar-20 | Dec-19 |
| Interest Earned | 746.28 | 737.49 | 706.42 |
| Other Income | 28.7 | 72.16 | 74.89 |
| Total Income | 774.98 | 809.65 | 781.31 |
| Total Expenditure | 560.29 | 619.05 | 637.3 |
| Operating Profit (incl. Excep Items) | 214.69 | 190.6 | 144.01 |
| Provisions & Contigency | 140.34 | 96.88 | 30.53 |
| PBT | 74.35 | 93.72 | 113.48 |
| Tax | 19.7 | 20.57 | 23.82 |
| Net Profit | 54.65 | 73.15 | 89.66 |
| NPA | |||
| Gross NPA | 139.82 | 137.14 | 129.45 |
| Gross NPA (%) | 0.97 | 0.97 | 0.95 |
| Net NPA | 25.1 | 27.49 | 51.49 |
| Net NPA (%) | 0.18 | 0.2 | 0.38 |
Income Statements Half Yearly
| Half Yearly | Mar-20 | Sep-19 | Mar-19 |
| Interest Earned | 1,443.91 | 1,259.70 | 998.28 |
| Other Income | 147.05 | 175.16 | 114.82 |
| Total Income | 1,590.96 | 1,434.86 | 1,113.10 |
| Total Expenditure | 1,256.35 | 1,132.23 | 955.66 |
| Operating Profit (incl. Excep Items) | 334.61 | 302.63 | 157.44 |
| Provisions & Contigencies | 127.41 | 43.58 | 19.37 |
| PBT | 207.2 | 259.05 | 138.07 |
| Tax | 44.39 | 71.94 | 28.98 |
| Net Profit | 162.81 | 187.11 | 109.09 |
| NPA | |||
| Gross NPA | 137.14 | 109.4 | 97.85 |
| Gross NPA (%) | 0.97 | 0.85 | 0.92 |
| Net NPA | 27.49 | 42.53 | 70.3 |
| Net NPA (%) | 0.2 | 0.33 | 0.26 |
Income Statements Annual
| Annual | Mar-20 | Mar-19 | Mar-18 |
| Interest Earned | 2,703.60 | 1,831.61 | 1,467.88 |
| Other Income | 322.21 | 205.96 | 111.48 |
| Total Income | 3,025.81 | 2,037.58 | 1,579.36 |
| Total Expenditure | 2,388.58 | 1,728.56 | 1,259.73 |
| Operating Profit | 637.23 | 309.02 | 319.63 |
| Provisions & Contigency | 170.99 | 40.6 | 310.77 |
| PBT | 466.24 | 268.42 | 8.86 |
| Tax | 116.32 | 69.2 | 1.98 |
| Net Profit | 349.92 | 199.22 | 6.88 |
| NPA | |||
| Gross NPA | 137.14 | 97.85 | 275.92 |
| Gross NPA (%) | 1 | 1 | 4 |
| Net NPA | 27.49 | 70.3 | 224.99 |
| Net NPA (%) | 0 | 0 | 0 |
Ujjivan Small Finance Bank Financial Results
Quarterly
| (in Rs. Cr.) | JUN ’20 | MAR ’20 | DEC ’19 |
| INTEREST EARNED | |||
| (a) Int. /Disc. on Adv/Bills | 697.63 | 698.22 | 666.47 |
| (b) Income on Investment | 41.54 | 36.2 | 36.02 |
| (c) Int. on balances With RBI | 7.11 | 3.07 | 2.92 |
| others | — | — | 1.01 |
| Other Income | 28.7 | 72.16 | 74.89 |
| EXPENDITURE | |||
| Interest Expended | 288.27 | 270.85 | 279.89 |
| Employees Cost | 185.76 | 184.9 | 196.41 |
| Other Expenses | 86.26 | 163.3 | 161 |
| Operating Profit before Provisions and contingencies | 214.69 | 190.6 | 144.01 |
| Provisions And Contingencies | 140.34 | 96.88 | 30.53 |
| P/L Before Tax | 74.35 | 93.72 | 113.48 |
| Tax | 19.7 | 20.57 | 23.82 |
| P/L After Tax from Ordinary Activities | 54.65 | 73.15 | 89.66 |
| Net Profit/(Loss) For the Period | 54.65 | 73.15 | 89.66 |
| Equity Share Capital | 1,728.22 | 1,728.22 | 1,728.22 |
Half yearly
| HALF YEARLY RESULTS (in Rs. Cr.) | MAR ’20 | SEP ’19 | MAR ’19 |
| INTEREST EARNED | |||
| (a) Int. /Disc. on Adv/Bills | 1,364.69 | 1,187.03 | 939.59 |
| (b) Income on Investment | 72.22 | 66.48 | 49.9 |
| (c) Int. on balances With RBI | 5.99 | 1.74 | 1.2 |
| (d) Others | 1.01 | 4.45 | 7.59 |
| Other Income | 147.05 | 175.16 | 114.82 |
| EXPENDITURE | |||
| Interest Expended | 550.74 | 519.27 | 398.21 |
| Employees Cost | 381.31 | 337.18 | 286.15 |
| Other Expenses | 324.3 | 275.78 | 271.3 |
| Operating Profit before Provisions and contingencies | 334.61 | 302.63 | 157.44 |
| Provisions And Contingencies | 127.41 | 43.58 | 19.37 |
| P/L Before Tax | 207.2 | 259.05 | 138.07 |
| Tax | 44.39 | 71.94 | 28.98 |
| P/L After Tax from Ordinary Activities | 162.81 | 187.11 | 109.09 |
| Net Profit/(Loss) For the Period | 162.81 | 187.11 | 109.09 |
| Equity Share Capital | 1,728.22 | 1,440.04 | 1,440.04 |
| Reserves Excluding Revaluation Reserves | — | — | 179.59 |
| EPS BEFORE EXTRA ORDINARY | |||
| Basic EPS | 0.94 | — | 0.76 |
| EPS AFTER EXTRA ORDINARY | |||
| Basic EPS. | 0.94 | — | 0.76 |
| NPA RATIOS : | |||
| i) Gross NPA | 137.14 | 109.4 | 97.85 |
| ii) Net NPA | 27.49 | 42.53 | 70.3 |
| i) % of Gross NPA | 0.97 | 0.85 | 0.92 |
| ii) % of Net NPA | 0.2 | 0.33 | 0.26 |
| Return on Assets % | 0.42 | 0.61 | 0.51 |
Nine Months
| NINE MONTHS RESULTS (in Rs. Cr.) | DEC ’19 | DEC ’18 |
| INTEREST EARNED | ||
| (a) Int. /Disc. on Adv/Bills | 1,853.50 | 1,225.72 |
| (b) Income on Investment | 102.5 | 64.51 |
| (c) Int. on balances With RBI | 4.66 | 1.85 |
| (d) Others | 5.46 | 3.63 |
| Other Income | 250.05 | 139.63 |
| EXPENDITURE | ||
| Interest Expended | 799.16 | 509.01 |
| Employees Cost | 533.59 | 368.19 |
| Other Expenses | 436.78 | 333.7 |
| Operating Profit before Provisions and contingencies | 446.64 | 224.44 |
| Provisions And Contingencies | 74.11 | 28.23 |
| P/L Before Tax | 372.53 | 196.21 |
| Tax | 95.76 | 60.77 |
| P/L After Tax from Ordinary Activities | 276.77 | 135.44 |
| Net Profit/(Loss) For the Period | 276.77 | 135.44 |
| Equity Share Capital | 1,728.22 | 1,440.04 |
| ANALYTICAL RATIOS | ||
| c) Capital Adequacy Ratio – Basel -II | 28.38 | 22.16 |
| EPS BEFORE EXTRA ORDINARY | ||
| Basic EPS | 1.79 | 0.85 |
| Diluted EPS | 1.78 | 0.85 |
| EPS AFTER EXTRA ORDINARY | ||
| Basic EPS. | 1.79 | 0.85 |
| Diluted EPS. | 1.78 | 0.85 |
| NPA RATIOS | ||
| i) Gross NPA | 129.45 | 127.77 |
| ii) Net NPA | 51.49 | 23.75 |
| i) % of Gross NPA | 0.95 | 1.41 |
| ii) % of Net NPA | 0.38 | 0.26 |
| Return on Assets % | 1.82 | 1.36 |
Ujjivan Small Finance Bank Company Financials
In this segment of Ujjivan Small Finance bank Company Financials, we will take a sneak peek into the company’s Balance sheet, Profit & Loss Statement, and Cashflow.
Balance Sheet – Standalone & Consolidated
In this section, we will review the Balance Sheet for the last 3 Fiscal Years.
| Balance Sheet (in Rs. Crore) | Mar-20 | Mar-19 | Mar-18 |
| 12 months | 12 months | 12 months | |
| EQUITIES AND LIABILITIES | |||
| SHAREHOLDER’S FUNDS | |||
| Equity Share Capital | 1,928.22 | 1,440.04 | 1,440.04 |
| TOTAL SHARE CAPITAL | 1,928.22 | 1,640.04 | 1,640.04 |
| Revaluation Reserve | 0 | 0 | 0 |
| Reserves and Surplus | 1,259.50 | 179.59 | 6.9 |
| Total Reserves and Surplus | 1,259.50 | 179.59 | 6.9 |
| TOTAL SHAREHOLDERS FUNDS | 3,187.72 | 1,819.63 | 1,646.93 |
| Deposits | 10,780.48 | 7,379.44 | 3,772.52 |
| Borrowings | 3,953.27 | 4,166.09 | 3,852.85 |
| Other Liabilities and Provisions | 489.76 | 377.05 | 200.88 |
| TOTAL CAPITAL AND LIABILITIES | 18,411.23 | 13,742.21 | 9,473.18 |
| ASSETS | |||
| Cash and Balances with Reserve Bank of India | 1,224.87 | 446.46 | 249.63 |
| Balances with Banks Money at Call and Short Notice | 118.42 | 648 | 245.2 |
| Investments | 2,396.14 | 1,526.62 | 1,232.48 |
| Advances | 14,043.64 | 10,552.45 | 7,336.21 |
| Fixed Assets | 300.48 | 284.45 | 198.34 |
| Other Assets | 327.68 | 284.23 | 211.31 |
| TOTAL ASSETS | 18,411.23 | 13,742.21 | 9,473.18 |
| OTHER ADDITIONAL INFORMATION | |||
| Number of Branches | 0 | 474 | 187 |
| Number of Employees | 0 | 14,752.00 | 11,242.00 |
| Capital Adequacy Ratios (%) | 0 | 19 | 23 |
| KEY PERFORMANCE INDICATORS | |||
| Tier 1 (%) | 0 | 18 | 22 |
| Tier 2 (%) | 0 | 1 | 1 |
| ASSETS QUALITY | |||
| Gross NPA | 137.14 | 97.85 | 275.92 |
| Gross NPA (%) | 1 | 1 | 4 |
| Net NPA | 27.49 | 70.3 | 224.99 |
| Net NPA (%) | 0 | 0 | 0 |
| Net NPA To Advances (%) | 2 | 0 | 1 |
| CONTINGENT LIABILITIES, COMMITMENTS | |||
| Bills for Collection | 0 | 0 | 0 |
| Contingent Liabilities | 0 | 30.9 | 19.51 |
Ujjivan Small Financial Bank Profit & Loss Account
PROFIT & LOSS ACCOUNT OF UJJIVAN SMALL FINANCE BANK (in Rs. Cores)
| PROFIT & LOSS ACCOUNT (in Rs. Cr.) | Mar-20 | Mar-19 | Mar-18 |
| 12 months | 12 months | 12 months | |
| INCOME | |||
| Interest / Discount | 2,551.71 | 1,728.49 | 1,312.78 |
| Income from Investments | 138.7 | 93.1 | 92.29 |
| Interest on Balance with RBI and Other Inter-Bank funds | 7.73 | 2.44 | 4.52 |
| Others | 5.46 | 7.59 | 58.29 |
| TOTAL INTEREST EARNED | 2,703.60 | 1,831.61 | 1,467.88 |
| Other Income | 322.21 | 205.96 | 111.48 |
| TOTAL INCOME | 3,025.81 | 2,037.57 | 1,579.36 |
| EXPENDITURE | |||
| Interest Expended | 1,070.01 | 725.2 | 606.86 |
| Payments to and Provisions for Employees | 718.49 | 518.8 | 360.44 |
| Depreciation | 0 | 60.6 | 41.37 |
| Operating Expenses (excludes Employee Cost & Depreciation) | 600.08 | 423.96 | 251.06 |
| TOTAL OPERATING EXPENSES | 1,318.57 | 1,003.35 | 652.87 |
| Provision Towards Income Tax | 116.32 | 34.91 | 31.32 |
| Provision Towards Deferred Tax | 0 | 34.29 | -29.34 |
| Other Provisions and Contingencies | 170.99 | 40.6 | 310.77 |
| TOTAL PROVISIONS AND CONTINGENCIES | 287.31 | 109.8 | 312.76 |
| TOTAL EXPENDITURE | 2,675.89 | 1,838.36 | 1,572.49 |
| NET PROFIT / LOSS FOR THE YEAR | 349.92 | 199.22 | 6.86 |
| NET PROFIT / LOSS AFTER EI & PRIOR YEAR ITEMS | 349.92 | 199.22 | 6.86 |
| Profit / Loss Brought Forward | 0 | 5.17 | 0.03 |
| TOTAL PROFIT / LOSS AVAILABLE FOR APPROPRIATIONS | 0 | 204.39 | 6.89 |
| APPROPRIATIONS | |||
| Transfer To / From Statutory Reserve | 0 | 49.8 | 1.72 |
| Balance Carried Over To Balance Sheet | 0 | 118.36 | 5.17 |
| TOTAL APPROPRIATIONS | 0 | 204.39 | 6.89 |
| OTHER INFORMATION | |||
| EARNINGS PER SHARE | |||
| Basic EPS (Rs.) | 2.19 | 1.2 | 0.05 |
| Diluted EPS (Rs.) | 2.18 | 1.2 | 0.05 |
Ujjivan Small Finance Bank Cashflow
| CASH FLOW (in Rs. Cr.) | Mar-20 | Mar-19 | Mar-18 |
| 12 months | 12 months | 12 months | |
| NET PROFIT/LOSS BEFORE EXTRAORDINARY ITEMS AND TAX | 0 | 268.42 | 8.85 |
| Net Cash Flow From Operating Activities | 0 | 477.72 | 2,313.71 |
| Net Cash Used In Investing Activities | 0 | -147.86 | -100.59 |
| Net Cash Used From Financing Activities | 0 | 286.72 | -2,438.56 |
| NET INC/DEC IN CASH AND CASH EQUIVALENTS | 0 | 616.58 | -225.44 |
| Cash And Cash Equivalents Begin of Year | 0 | 461.07 | 686.51 |
| Cash And Cash Equivalents End Of Year | 0 | 1,077.65 | 461.07 |
Key Financial Ratios Of Ujjivan Small Finance Bank
| KEY FINANCIAL RATIOS (in Rs. Cr.) | Mar-20 | Mar-19 | Mar-18 |
| PER SHARE RATIOS | |||
| Basic EPS (Rs.) | 2.19 | 1.2 | 0.05 |
| Diluted EPS (Rs.) | 2.18 | 1.2 | 0.05 |
| Cash EPS (Rs.) | 1.81 | 1.8 | 0.33 |
| Book Value [Excl. Reval Reserve]/Share (Rs.) | 16.53 | 11.25 | 10.05 |
| Book Value [Incl. Reval Reserve]/Share (Rs.) | 16.53 | 11.25 | 10.05 |
| Operating Revenue / Share (Rs.) | 14.02 | 12.72 | 10.19 |
| Net Profit/Share (Rs.) | 1.81 | 1.38 | 0.05 |
| PER EMPLOYEE RATIOS | |||
| Interest Income/ Employee (Rs.) | 0 | 12,41,601.07 | 13,05,706.81 |
| Net Profit/ Employee (Rs.) | 0 | 1,35,044.13 | 6,104.43 |
| Business/ Employee (Rs.) | 0 | 1,21,55,569.21 | 98,81,452.41 |
| PER BRANCH RATIOS | |||
| Interest Income/ Branch (Rs.) | 0 | 3,86,41,559.07 | 7,84,96,021.39 |
| Net Profit/ Branches (Rs.) | 0 | 42,02,892.41 | 3,66,983.96 |
| Business/ Branches (Rs.) | 0 | 37,83,10,035.86 | 59,40,49,668.45 |
| KEY PERFORMANCE RATIOS | |||
| ROCE (%) | 3.55 | 2.31 | 3.44 |
| CASA (%) | 0 | 10.62 | 3.67 |
| Net Profit Margin (%) | 12.94 | 10.87 | 0.46 |
| Operating Profit Margin (%) | 1.02 | -0.36 | -7.12 |
| Return on Assets (%) | 1.9 | 1.44 | 0.07 |
| Return on Equity / Networth (%) | 10.97 | 12.3 | 0.47 |
| Net Interest Margin (X) | 8.87 | 8.05 | 9.08 |
| Cost to Income (%) | 53.07 | 54.63 | 61.14 |
| Interest Income/Total Assets (%) | 14.68 | 13.32 | 15.49 |
| Non-Interest Income/Total Assets (%) | 1.75 | 1.49 | 1.17 |
| Operating Profit/Total Assets (%) | 0.15 | -0.04 | -1.1 |
| Operating Expenses/Total Assets (%) | 7.16 | 7.3 | 6.89 |
| Interest Expenses/Total Assets (%) | 5.81 | 5.27 | 6.4 |
| VALUATION RATIOS | |||
| Earnings Yield (X) | 0.07 | 0 | 0 |
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Ujjivan Small Finance Bank IPO Review
The Objective of the Issue is to focus to raise capital from the fresh issue offer to expand the micro finance facility to support the MSME sector and poor women/individuals lending facility. Ujjivan
Small Finance Bank pleasantly witnessed a bumper opening on its debut.
We will share the details of Ujjivan Small Finance Bank IPO include:
- Issue Open Date
- Issue Close Date
- Listing Date
- Face Value
- Price band
- Issue Size
- Issue Type
- Listing Date’s Open Price
- High Price & Low Price
- Close price & Volume
IPO Ratings & Review
| Criteria | Ratings |
| Industry Sentiments | 7.5/10 |
| Industry Ranking | 7.1/10 |
| Company Background | 7.3/10 |
| Company Reputation | 7.2/10 |
| Competitive Edge | 7.7/10 |
| Financial Statements | 7.1/10 |
| Popularity Index | 7.4/10 |
| Promoters Reputation | 7.7/10 |
| Retail Appetite | 7.1/10 |
| Top Brokers Review | 7.9/10 |
| Overall Ratings | 7.4/10 |
| Star Ratings | ★★★★☆ |
Ujjivan Small Finance Bank IPO Size
The number of times the issue was subscribed in BSE and NSE taken together:
| As on Date & Time | QIB | NII | RII | Others | Total |
| Shares Offered | 5,62,50,000 | 2,81,25,000 | 1,87,50,000 | 2,08,33,333 | 12,39,58,333 |
Ujjivan Small Finance Bank IPO Offer Details
| Issue Open Date | 02-12-2019 |
| Issue Close Date | 04-12-2019 |
| Listing Date | 12-12-2019 |
| Face Value (Rs) | 10 |
| Offer Price/Range (Rs) | 36.00-37.00 |
| Issued at (Value) | Premium (27) |
| Issue Size (Retail) | 20270270Shares@37/share |
| Issue Type | Public Issue (Book Building) |
Listing Day Trading Performance
| Particulars | BSE | NSE |
| IPO Price | ₹ 37.00 | ₹ 37.00 |
| Open | ₹ 58.00 | ₹ 58.75 |
| Low | ₹ 53.10 | ₹ 53.05 |
| High | ₹ 62.80 | ₹ 62.80 |
| Last Trade | ₹ 55.90 | ₹ 55.95 |
| Volume | 1,61,32,554 | 25,14,14,527 |
Opened on at BSE at Rs.58 and closed at Rs. 55.90 on the day, and closed on NSE Rs.55.30. The issues had witnessed a subscription of over 165 times at Rs.36-37/share.
| RETURN ON | OFFER PRICE | LISTING PRICE |
| *Holding Period Return | 6.22% | 40.17% |
| Holding Period (Days) | 256 | 248 |
Ujjivan Small Finance Bank IPO Registrar to Offer
| KFINTECH PRIVATE LIMITED |
| Selenium Building, Tower-B, Plot No 31 & 32, Financial District,Nanakramguda, Serilingampally, Rangareddi, Telangana India – 500 032. Phone: 1-800-3454001 Email: [email protected] Website: https://karisma.kfintech.com/ |
Ujjivan Bank IPO Lead Manager(s)
- IIFL Holdings Limited
- JM Financial Consultants Private Limited
- Kotak Mahindra Capital Company Limited
Ujjivan Small Finance Bank Mobile App
UJJIVAN SMALL FINANCE BANK is a conglomeration of various banking processes brought under one cutting age and state of the art digital platform.
Download the UJJIVAN SMALL FINANCE BANK mobile banking app from Google play store and launch it on your mobile once the app is installed.
Download the UJJIVAN SMALL FINANCE BANK is the official UJJIVAN SMALL FINANCE BANK’s flagship mobile banking application from play store or App store for your mobile net banking needs on the go.
UJJIVAN SMALL FINANCE BANK APP provides a secure Mobile Banking facility to make payments instantly through IMPS, UPI Payments and offers many more services at your fingertips.
Ujjivan Small Finance Bank Mobile App Features and Functions
Ujjivan Mobile Banking Mobile Applications empowers you with the quintessential banking services on the move and at your fingertips. The app offers a secure and user-friendly environment for all kinds of banking purposes providing anywhere, on the go, and anytime access to Ujjivan Small Finance banking services.
Truly Indian in nature, Ujjivan Mobile Banking application provides the banking services in English, and in major Indian Languages, such as Hindi, Kannada, Tamil, Bengali, Marathi, Gujarati, Punjabi and Oriya.
After downloading the App, you need to login using your 4-digit mPIN and Fingerprint application.
- You can view and access consolidated Account Summary, Deposit Summary, and Account Balance.
- You can view average monthly balance and Current account holder’s GST details
- Easy Viewing and download of e-statement, and facility to email the statements directly from your account
- You can initiate a Fixed Deposit/Recurring Deposit Booking; view Deposit Advice Download, Deposit Redemption.
- Freedom from remember and missing the payment dates by leveraging the Automated Bill Payment facility and Overdraft facility
- The bank offers Debit Card Services wherein you can generate PIN instantly,
- You can temporarily Block or Unblock your Debit Card
- You can initiate Hotlisting of Debit Card & Set Debit Card Limits on the go
- You can easily transfer funds within Ujjivan Small Finance bank accounts and to other Bank accounts
- You can add frequent fund transfer transactions onto your favorites list and the favourites are available right on the home page to initiate transactions at one click.
- You are empowered to download Statements, Request Cheque Book, and Stop Cheque Request anywhere, anytime.
- Leveraging the app, you are now poised to access to Wealth Management
- You can carry out recharges on the move for Mobile/DTH & Data Card
- You can do GST payments, TDS Inquiry, access automated form 15G/H, and instant closure/change of FD maturity instructions
Ujjivan Small Finance Bank Mobile Banking Registration
To open an account, you can visit any of the Bank branch, or through ATM, through Phone Banking, MPIN Generation. Once you have opened an account and registered with the Bank for Mobile Banking, launch the mobile app on your mobile by downloading it from Google Store/App Store.
Next, you need to click on to the “New Registration” link of the Mobile Application.
On the next screen, you need to populate the required personal and identification, your bank account related details.
Next you will be required to enter the OTP which will be sent to your registered mobile number to authenticate through your debit card to generate your MPIN.
Once you enter the mPIN of your choice and submit to create it, you will be successfully registered for the Mobile banking. You can login back with your credentials.
Ujjivan Small Finance Bank Products & Services
The bank has distinct Competitive advantages that include:
Offering banking services to mass-market segment of underserved & unserved:
- Possess Multiple delivery channels
- Established robust banking network of Pan-India presence
- Advanced and highly sophisticated cutting-age digital platform
- A proven in-place risk management framework
Ujjivan Small Finance bank comes with a host of banking and financial services that include:
1. Explore Products
Savings Account
- Regular Savings Account
- Privilege Savings Account
- Senior Citizens Savings Account
- Minor Savings Account
- Basic Savings Bank Deposit Account
2. Deposits
- Fixed Deposit (FD)
- Tax Saver Fixed Deposits
- Recurring Deposits (RD)
- Sampoorna Nidhi
- Sampoorna Lakshya
- Digital FD
3. Loans
- Affordable Housing Loan
- Persona Loans
- Vehicle Loans
- Micro Loans
4. Sampoorna Family Banking
5. 3rd Party Product (Insurance)
6. Life Events Based Banking Services
7. Smart Banking
- Personal Netbanking
- Mobile Banking
- Phone Banking
- SMS and Missed Call Banking
8. Repay Loans
9. Support
- 18002082121
- [email protected]
- Form Center
- Locate Us
- Service Charges & Fees
- Interest Rates
- Mean Interest Rate for Loan Product
- Annual Percentage Rate
10. Apply Now
- Fixed Deposits
- Savings Account
- Home Loan
- Personal Loan
- Recurring Deposits
Ujjivan Small Finance Bank Branch Offices
You can locate branches using the Locate Us Link on the upper right corner of the Ujjivan Bank Online Home Page.
Ujjivan Small Finance Bank Registered Office PAN India:
| City | Address |
| New Delhi | Plot No. 2364/ 8, Khampur Raya Village, Shadi Kampur, Main Patel Road, New Delhi – 110 008, India |
| Bengaluru | Grape Garden, No. 27, 3rd ‘A’ Cross, 18th Main, 6th Block, Koramangala, Bengaluru – 560 095, Karnataka. |
| Kolkata | Rishi tech Park, 4th Floor, Premises No. 02-0360, Plot No DH-6/2, Action area ID, New Town, Kolkata-700160. |
| Pune | 7th Floor, Almonte IT Park, Landmark – Besides Reliance Smart, Kharadi, Pune, Maharashtra 411014. |
| Noida | D-7, Vyapar Marg, Block D, Sector 3, Noida, Uttar Pradesh – 201301 |
Ujjivan Small Finance Bank Customer Care Support
Phone Banking:
Toll Free: 18002082121
You need to select the preferred language of your choice when connected to the IVR.
This facility allows you to speak to the Phone Banking Officers of Ujjivan Bank instantly.
Leveraging the Phone Banking Services and facility, you can get help for the following:
Get information on accounts you are holding with Ujjivan Small Finance Bank
You can request for a new Debit Card, Cheque Book or a statement of account
You can update your registered mobile number/ email address.
You can enable/disable Mobile and Internet Banking Services.
You can block or hotlist your Debit card, UPI Services and stop Cheque payments in case of emergency
You can raise grievances/complaints and share your valuable feedback.
You can obtain information about Bank’s products and services for your banking and financial needs
You can request for the information regarding the nearest ATM & Branch locations.
Mobile Banking
Mobile is Available in 9 major Indian languages:
- English
- Hindi
- Tamil
- Kannada
- Bengali
- Gujarati
- Odia
- Marathi
- Punjabi
SMS & Missed Call Banking:
You can now enjoy SMS banking and missed call banking facility from Ujjivan Small Finance Bank. You can use these services anytime for all your banking needs on the go and as per your convenience to stay breast with your banking transactions and account related information.
SMS Banking:
Leverage the SMS Banking to know your account balance, bank statements and much more.
For all these, all you need to do is to call/dial the Ujjivan Small Finance Bank SMS banking number 9243232121
Missed Call Banking:
You are empowered by the bank to get free updates with just a missed call from anywhere, anytime, on the go.
For Balance enquiry, you need to dial 9243012121
For Mini statement, you need to dial 9243032121
Email Banking:
Alternatively, you can write to [email protected] for servicing of any Query/Request/Complaints
Form Center:
Form Center helps you to download forms of Ujjivan Small Finance Bank for all your banking & Financial needs.
Locate Us:
‘Locate Us’ helps customers to locate the nearest Ujjivan Small Finance Bank’s branches and ATMs.
Service Charges & Fees:
Service Charges & Fees lets you know service charges and fees for all kinds of services and facilities offered by Ujjivan Small Finance Bank. You can download the charges for quick and future reference and emailing.
Interest Charges:
Interest Rates let you know the FD and RD interest charges for all deposit schemes and varying deposit terms/periods.
Conclusion
UJJIVAN SMALL FINANCE BANK review offers the best micro-finance & banking facilities if you are looking for the best and incomparable cutting edge small finance banking platform that offers value for your money.
Ujjivan Small Finance bank is a leading small finance and micro finance banking platform with strong asset quality & valuations backed by strong financials looking at the long-term perspective.
The bank offers savings and current account, housing and vehicle financing, SME & MSE loans, life, vehicle, and health Insurance, and mutual funds products with Demat account opening facility.
UJJIVAN SMALL FINANCE BANK net banking is highly rated by its customers. The UJJIVAN SMALL FINANCE BANK banking platform with its amazing features to cater to the needs of underserved customer base in India and being highly rated by its users has more positives than the downsides.
UJJIVAN SMALL FINANCE BANK is the best small finance bank you can NEVER go wrong with!
Ujjivan Small Finance Bank FAQs
Q1. What is UJJIVAN SMALL FINANCE BANK?
Ans. Ujjivan Small Finance bank is a leading small finance and micro finance banking platform with focus to offer lending facility to poor and backward women and individuals from MSE sector. It offers savings and current account, FD & RD Deposits, housing, vehicle, and personal loans, SME & MSE loans, 3rd party life insurance products.
