Our Differentiators
What Makes Ujjivan Unique
Ujjivan SFB has built a banking franchise around customer segments that have historically remained outside the formal financial system. Over time, this foundation has evolved into a diversified banking model combining retail deposits, secured lending, granular risk exposure and broad-based customer relationships. The result is a Bank that combines financial inclusion with portfolio diversification and disciplined execution.
Board of Directors
Serving Emerging Customer Segments at Scale
The Bank serves nearly 1 Crores customers, with relationships spanning first-time borrowers, first-time banking customers, self-employed individuals, micro enterprises and salaried households. Customer acquisition remains anchored in segments that are often under-served by mainstream financial institutions, providing access to a large and underpenetrated market.
- Customer base of ~99.6 Lakhs
- Presence across 26 States and Union Territories (335 districts)
- Established underwriting and servicing frameworks for customers with limited formal credit history
Customer Progression Across Financial Life Stages
A distinguishing feature of the franchise is its ability to serve customers across multiple stages of their financial journey. Relationships frequently originate through micro banking and subsequently extend into individual lending, housing finance, vehicle finance, MSME lending, deposits and other banking products. This creates opportunities for deeper customer engagement while improving product diversification.
- Product portfolio spanning micro banking, housing, MSME, vehicle finance, gold loans, agri banking and deposits
- Increasing participation of existing customers across multiple product categories
- Relationship-based model supported by branch and field infrastructure
Retail-Funded Liability Franchise
The liability franchise has expanded substantially, with customer deposits emerging as the primary source of funding. Retail deposits and Current Account Savings Account (CASA) contribute a significant share of the overall deposit base, improving funding granularity and reducing dependence on concentrated funding sources.
- Total deposits of ₹45,668 Crores
- Retail term deposits and Current Account Savings Account (CASA) of ₹31,955 Crores
- Current Account Savings Account (CASA) ratio of 28.6%
Diversified Loan Book with Rising Secured Assets
The Bank has progressively diversified its portfolio beyond Micro Banking. Housing finance, MSME, vehicle finance, gold loans, agri banking and other secured products have increased their contribution to the overall book, reducing concentration and creating a more balanced asset mix.
- Gross loan book of ₹40,655 Crores
- Secured advances of ₹20,079 Crores
- Secured assets constitute 49.4% of the portfolio
- Micro Banking Group Loans reduced to 26.7% of the Gross Loan Book
Distribution and Collection Architecture
The operating model combines physical reach, field engagement and digital infrastructure. This architecture provides customer access, servicing capability and collections discipline across diverse geographies and customer segments.
- Network of 776 branches
- More than 8,000 electronic collection retail points
- Collection efficiency of 98.3%
Portfolio Granularity and Risk Discipline
Portfolio construction emphasises diversification across products, customer segments and geographies. No single state accounts for a disproportionate share of exposure, while underwriting, collections and monitoring frameworks are embedded across lending businesses. Portfolio diversification, provision buffers and disciplined credit practices contribute to risk management and balance-sheet stability.
- Gross NPA of 2.3% and Net NPA of 0.4%
- Provision Coverage Ratio of 81%
- Diversified presence across regions, products and customer segments
- Secured lending growth of 43.5% during FY 2025-26