Sustainability at Ujjivan
Building better lives,
Sustainably.
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Ujjivan Small Finance Bank is one of India's leading small finance banks, dedicated to serving the unserved and underserved segments of the population. As an aspiring mass-market bank, it offers a diverse range of inclusive financial services while ensuring a personalized customer experience.
Committed to sustainability and social impact, Ujjivan SFB recognizes the importance of integrating ESG principles into its operations and decision-making. Over the past three years, the bank has made remarkable progress on its ESG journey—starting with redefining its mission statement, establishing a dedicated committee to oversee CSR and ESG initiatives, and developing a robust framework to track performance against annual goals and targets. Through proactive gap assessments and continuous improvements, the bank has rapidly advanced in its ESG journey which is testified by the ESG ratings awarded by various ESG Rating providers.
Outstanding (80/100)
Strong (66/100)
B+ (77.3/100)
Excellent (73/100)
Aspiring (69/100)
Ujjivan SFB aims to balance financial performance with social responsibility and environmental stewardship. The sustainability approach of the bank defines its strategy and action to align its operations with ESG trends, regulatory requirements, and stakeholder expectations. Sustainable banking practices contribute to a more resilient financial system, help address environmental and social challenges, and support the transition to a sustainable and inclusive economy.
Our sustainability framework is structured around six major pillars, each with ambitious goals that will guide our efforts over the next decade. These pillars encompass sustainable operations, empowering communities, human capital development, effective governance, customer centricity, and responsible finance. These pillars collectively reflect our commitment to responsible banking practices that contribute to a more resilient financial system and support the transition to a sustainable and inclusive economy.
Performance Highlights & Key initiatives:
Environmental
Protect the planet through our sustainable banking practices & operations
Social
Ujjivan SFB is committed to cultivating a diverse, equitable and inclusive workplace, where employees from all backgrounds, experiences and identities can thrive.
Governance
At Ujjivan Small Finance Bank, corporate governance values are integral to its mission of promoting financial inclusion and serving underserved segments of society.
Our Sustainability Approach
Our Business Process Alignment to SDGs
Ujjivan SFB Activities in FY 2024-25
In FY 2025–26, Ujjivan SFB partnered with organisations like CDT and Shree Bhagwan Mahaveer Viklang Sahayata Samiti to provide employability training and mobility aids(Fitment Of Artificial Limb And Calipers) for differently-abled individuals, as well as vocational training for youth and women from low-income families
Extended support to over 12,360 beneficiaries affected by Cyclone at Punjab, Solapur and Himachal Pradesh. Provided essential aid to disaster-affected families across India
Key projects under Chote Kadam included setting up a lactation room and waiting area at a public
health centre, building a dormitory for residential school children, etc.
- Distribution of Grocery kits as part of flood relief in Punjab, Solapur & Himachal Pradesh
- Ambulance support @ Vadodara VMC to improve emergency care & medical equipment to PHCs, District hospitals, Government hospitals etc.
- Ujjivan SFB provides employees and their dependents with 24x7 “Doctor on Call” teleconsultation services
Ujjivan SFB, in partnership with Pi Jam Foundation, supported teacher capacity building, digital literacy, and the establishment of coding labs in schools across Maharashtra and Madhya Pradesh. The Bank has further strengthened its financial literacy program to deliver structured awareness and support programs specifically designed for MSMEs, Senior Citizens etc.
Women currently represent 20% of Ujjivan SFB’s total workforce
As on date, the Bank has achieved 44% gender diversity in Board,
A total of 480 women, PwDs and unemployed youth from low-income backgrounds have been empowered through the Bank’s CSR Livelihood programs
In FY 2024–25, Ujjivan SFB successfully completed two WISE batches, benefiting 46 women employees by enhancing their confidence, leadership skills, and career readiness
Through its CSR Initiatives, the Bank provided about 50 tailoring machines to women at Nagli Issa & Jaipur, Training on tailoring to women at Purulia, Educational learning devices to visually impaired girls, provided pink auto to 10 less privileged women of Akota etc.
Over 17,000 employees participated in cleanliness drives across 748 branches as part of the Swachh
Neighbourhood initiative
- The Bank supported the provision of electric garbage collection vehicle at Miwadi & Tenkasi; Provision of Garbage collection trucks at Jalna, Erode etc.
- Ujjivan SFB’s Water, Sanitation, and Hygiene (WASH) loans in FY 2024–25 disbursed over 1.2 Lakhs+ loans as of March 2026 benefitting over 5 Lakhs+ people.
Ujjivan SFB expanded its clean energy footprint by installing rooftop solar panels totalling 24 kW
across four branches (Krishnapura, Adanoor, Shyagale, Sudarshan Moore & Shyampura), generating 116.69GJ of renewable power in FY 2025–26
Commissioned a 10-kW rooftop solar installation at Shampura, Jaipur in FY 2025-26; Generated surplus energy with approximately 800 kWh exported to the grid
Through its ‘Sanchaya’ Energy conservation Program across Regional and Corporate offices in
October 2024, achieving an 5% reduction in energy consumption in FY’26 compared to that of FY’25
The Bank has fully transitioned to LED lighting across all facilities, driving responsible energy
consumption and long-term efficiency
The Bank through its CSR Livelihood development Programs,
- in association with Cheshire Disability trust catered to training the PwDs on communication skills, basic computer literacy etc., coupled with placement in retail, banking, ITeS sectors and the like with an avg. monthly income of ` 8,000/-
- Additionally, 30 battery operated vehicles were provided to Orthopedically challenged individuals coupled with training & their placement with Zomato as delivery partners has enabled them to earn about 10-15K(avg.) per month
- Skill development to the underprivileged youths were executed in partnership with Magic Bus India Foundation and Y4D foundations
Ujjivan SFB offers loans for affordable housing and provides financing to MSMEs, fostering sustainable industrial growth and resilient infrastructure
Partnering with Cheshire Disability Trust, Battery operated vehicles were distributed to orthopaedically challenged individuals towards empowering them to earn their own livelihood; Supported 32 Transgender students with academic scholarship.
In FY 2025–26, the Bank, through its flagship ‘Chote Kadam’ Program, executed 99 infrastructure projects towards improving community infrastructure, recreational spaces, healthcare centers etc. Supported pond and lake restoration projects in Tamil Nadu and Maharashtra; Ujjivan SFB undertook key water conservation and rejuvenation initiatives including the restoration of Kanekallu Lake at Hoskote, Bengaluru; rejuvenation of Arisipalayam Kuttai pond in Coimbatore, Tamil Nadu; and a comprehensive watershed development project under Project ReAssure 2.0 in Bavada village, Satara, Maharashtra
- Over 17,000 employees participated in planting more than 20,000 saplings under the Swachh Neighbourhood initiative
- Installation of rooftop solar panels at four branches of Ujjivan SFB
- Supported the Swachh Bharat Abhiyan by organising clean-up activities
The Bank supported Kaziranga National Park through the provision of a surgical table to strengthen wildlife care and conservation efforts.
Besides these, rejuvenation of Ponds and lakes at Kanur, Jaisalmer etc. has benefitted the animals like Camels, Sheep etc. living in the neighborhood with provision of clean drinking water.
- The Bank is committed to governance and ethics, ensuring employees uphold standards such as anti-bribery, anti-corruption, and conflict-of-interest management in daily operations
- By engaging with a wide range of stakeholders – including employees, customers, shareholders, and the community – the Bank fosters transparency and strengthens trust
- The Bank safeguards human rights and fundamental freedoms, ensuring its practices remain consistent with human rights laws and avoid any violations
- Through responsible lending practices, Ujjivan SFB contributes to inclusive development and the promotion of more peaceful and resilient societies
Our Best Practices
“Unpause” initiative to offer second career opportunity to women’s on career break
“Day Care” facility in the corporate office as pilot run to enable the employees to offer a safe space for their young ones while at work
Ujjivan Welfare trust to offer monetary support to employees and customers in case of eventualities towards education of their wards, medical expenditure etc.
Road safety training and awareness programs helps reduce the risk of accidents, protect lives, and promote a culture of responsibility.
Emotional Wellness Clinic – 24/7 Medical Helpline available for employees who are in stress to consult doctor for their issues.
Doctor on Call - 24/7 Medical Helpline - Employees can avail the service for self and their families without any cost.
CSR projects gathered from the ‘ground’ teams towards identifying the needy & critical projects
CSR projects executed under diverse thematic areas for holistic community development and inclusivity
Volunteering opportunities with the NGOs and communities that we work with, towards enabling them to give back to the society during the working hours
For any queries / grievances on the ESG aspects of the Bank, Please contact: Mr. Sachin Jadhav, National Manager – Sustainable Banking at social.responsibility[at]ujjivan[dot]bank[dot]in