Patna, 7 November 2025: Ujjivan Small Finance Bank (Ujjivan SFB) today announced the expansion of its network in Eastern India with the opening of four new branches in Bihar, strategically located in Begusarai, Bhagalpur, Jamui, and Katihar. This expansion reinforces the bank's commitment to driving financial inclusion and supporting small businesses, aspiring homeowners, and underserved communities across semi-urban and rural markets.

With these additions, Ujjivan SFB now operates 770 branches nationwide, serving over 98.8 lakh customers across 26 states and Union Territories. The four new MicroBanking (MB)-led branches will focus on Group Loans (GL) and Individual Loans (IL), while also generating approximately 40–45 local employment opportunities, thereby contributing to Bihar's economic growth.

Commenting on the expansion, Mr. Sanjeev Nautiyal, MD & CEO, Ujjivan Small Finance Bank, said "Bihar represents a key growth market for us, reflecting the strong entrepreneurial energy and growing demand for reliable financial services. The launch of our new branches underscores Ujjivan Small Finance Bank's commitment to enabling financial empowerment at the grassroots level. We aim to strengthen our presence in Eastern India by offering accessible and customer-centric banking solutions that cater to the evolving needs of individuals, small business owners, and young entrepreneurs."

Ujjivan SFB's customer base of 98.8 lakh includes 3.5 lakh asset-only customers, 50.2 lakh liability-only customers, and 45.1 lakh customers with both asset and liability relationships, reflecting its balanced and inclusive growth strategy. The bank continues to provide a comprehensive suite of financial products and services, including savings and current accounts, fixed and recurring deposits, demat and insurance services, as well as loans spanning microfinance, housing, MSME, agriculture, vehicle, and gold segments.
To address diverse credit needs, Ujjivan SFB offers Business Loans ranging from ₹10 lakh to ₹10 crore, Affordable Housing Loans between ₹5 lakh and ₹75 lakh, Micro-Mortgage Loans from ₹3 lakh to ₹15 lakh, Gold Loans from ₹25,000 to ₹25 lakh, and Vehicle Loans from ₹26,000 to ₹5 lakh. On the deposit side, the bank offers competitive interest rates with savings accounts earning up to 7.50% per annum and fixed deposits offering up to 8.75% for senior citizens.

The bank has been steadily enhancing its digital footprint through platforms such as Ujjivan EZY for mobile and internet banking, and Hello Ujjivan, the bank's vernacular, visual, and voice-based app designed for easy accessibility. Other digital offerings include video banking, UPI-based payments, IMPS, NEFT, and RTGS facilities, ensuring seamless and secure transactions for customers across segments.
Ujjivan Small Finance Bank reported robust performance in the September 2025 quarter, with total deposits rising 15% year-on-year and CASA deposits crossing the ₹10,000 crore milestone to reach ₹10,783 crore, up 22%. The gross loan book expanded 14% year-on-year to ₹34,588 crore, driven by strategic diversification that increased the secured loan share to 47%.

The quarter also saw the bank's highest-ever disbursement of ₹7,932 crore, with asset quality strengthening as PAR improved to 4.45% and GNPA remained stable at 2.5%. Backed by a collection efficiency of 99.5%, Ujjivan SFB continues to expand responsibly in line with its five-year strategy, opening 14 new branches in Q2 FY2025-26.

About Ujjivan Small Finance Bank Limited 

Ujjivan Small Finance Bank Limited is a scheduled commercial bank authorised to carry on the business of small finance bank in India. Bank serves ~99 lakh customers through 766 branches, 613 ATMs/ACRs, spread across 334 districts and 26 states and union territories in India. Gross loan book stands at ₹ 34,588 crore with a deposit base of ₹ 39,211 crore as of September 30, 2025. The Bank has been assigned a credit rating of AA- (Stable)/A1+ from CARE/CRISIL respectively towards its long-term bank facilities, fixed deposits and CD program depicting sustenance of Banks Performance. Ujjivan SFB has been ranked 26th among India’s Best Companies to Work for 2025 by Great Place to Work® Institute, the global authority on workplace culture

The bank constantly strives to ensure strong corporate culture which emphasizes on integrating CSR values with business objectives. They work with communities in navigating the unprecedented challenges primarily focused on healthcare, disaster relief, livelihood for especially abled people, education, and community infrastructure development. 

Web: www.ujjivansfb.bank.in| X:  @UjjivanSFB | WhatsApp: 9002082121

For further information, please contact:  

Ujjivan Small Finance Bank Limited 

Ms. Flovie Martins 

flovie.martins[at]ujjivan[dot]bank[dot]in