Ujjivan Small Finance Bank is one of India’s leading small finance banks, committed to providing accessible banking solutions to individuals and businesses. Founded with the goal of serving the unbanked and underbanked segments of society, Ujjivan has expanded its reach across urban and rural India. Its wide range of banking services, from savings accounts to loans and financial inclusion initiatives, makes it a significant player in the Indian banking sector. I will discuss Ujjivan Small Finance Bank’s banking services, their solutions for customers, and how it has become a trusted institution for millions of people.
Ujjivan Small Finance Bank
Ujjivan Small Finance Bank was established to cater to the financial needs of underserved communities, offering a variety of banking products aimed at improving financial inclusion. With its focus on providing innovative, customer-friendly services, Ujjivan Small Finance Bank is committed to bridging the financial gap for individuals, small businesses, and farmers. It also provides specialized services like microloans to help individuals in rural and semi-urban areas access capital to improve their lives and businesses.
Key Facts About Ujjivan Small Finance Bank
Headquartered in Bangalore, it offers a range of banking services, including savings accounts, loans, and digital banking solutions. With over 500 branches across India, the bank serves both urban and rural communities, emphasizing customer-centric financial products.
| Aspect | Information |
| Establishment Year | 2017 |
| Headquarters | Bangalore, Karnataka |
| Banking Services | Savings accounts, Loans, Fixed Deposits, Insurance, Microfinance |
| Branches | 500+ branches across India |
| Target Audience | Urban and rural population, Small businesses |
| Unique Services | Microloans, Rural banking solutions |
Ujjivan Small Finance Bank Services: A Closer Look
Ujjivan Small Finance Bank offers a wide array of banking services designed to cater to various customer needs. These services range from basic banking offerings like savings accounts to more specialized services for businesses, farmers, and individuals requiring microloans. Let’s take a detailed look at the key services provided by the bank.
Savings Accounts
Ujjivan Small Finance Bank provides several types of savings accounts to suit the needs of different customers, whether they are individuals, small business owners, or families.
| Savings Account Type | Features | Interest Rate |
| Regular Savings Account | Free ATM withdrawals, Nomination facility | 4.00% p.a. |
| Zero Balance Savings Account | No minimum balance requirement | 4.00% p.a. |
| Salary Account | Free salary credits, Enhanced transaction limits | 4.00% p.a. |
| Minor Savings Account | For minors below 18 years, with guardians | 4.00% p.a. |
The savings accounts come with various benefits such as online banking, mobile banking, and debit cards, making it easy for customers to manage their money efficiently. These accounts also provide access to other financial products offered by the bank.
Personal Loans
Personal loans are one of the key services offered by Ujjivan Small Finance Bank. These loans are designed to help individuals meet personal financial requirements, such as home renovation, medical expenses, education, or marriage.
Ujjivan provides competitive interest rates, quick disbursals, and flexible repayment options. These personal loans are unsecured, meaning no collateral is required, making them an attractive option for individuals who need immediate financial assistance.
Home Loans
Home loans from Ujjivan Small Finance Bank are ideal for individuals looking to purchase, build, or renovate their homes. The bank offers attractive interest rates, long repayment tenures, and easy documentation processes. Ujjivan’s home loan services are available to both salaried and self-employed individuals, making homeownership more accessible.
Microloans and Financial Inclusion
Microloans are one of Ujjivan Small Finance Bank’s standout offerings. These loans are specifically designed to help individuals and businesses in rural and semi-urban areas access small amounts of credit to enhance their livelihoods. Whether it’s for agriculture, small-scale industries, or personal needs, Ujjivan’s microloans are tailored to meet the needs of low-income groups.
Ujjivan’s focus on financial inclusion has enabled it to reach out to those who are traditionally excluded from the formal banking system. This service has been particularly impactful for women entrepreneurs and small farmers.
Business Loans and MSME Services
Ujjivan Small Finance Bank offers tailored business loans and financial solutions to MSMEs. These loans help businesses access capital for expansion, working capital requirements, and equipment purchases. The bank offers competitive interest rates, fast processing, and a wide range of business banking services, from term loans to overdraft facilities, making it an excellent partner for MSMEs looking to grow their businesses.
Ujjivan Small Finance Bank’s Digital Banking Solutions
In an era of rapid digitalization, Ujjivan Small Finance Bank has embraced technology to offer its customers a seamless banking experience. The bank provides various digital banking services, allowing customers to conduct banking transactions anytime and anywhere.
Mobile Banking App
The Ujjivan Small Finance Bank mobile app is designed to make banking accessible and convenient for customers.
- Account balance check
- Bill payments
- Loan and deposit management
- Credit card services
Internet Banking
In addition to the mobile app, Ujjivan Small Finance Bank also offers Internet banking services. This allows customers to perform all their banking activities from their desktop or laptop, providing a secure and reliable platform for managing finances.
ATM & Debit Cards
Ujjivan Small Finance Bank offers a wide range of ATM and debit cards to its customers. These cards allow easy access to funds, including free ATM withdrawals at Ujjivan’s own ATMs and partner banks’ ATMs across India.
Ujjivan Small Finance Bank: Customer-Centric Approach
Ujjivan Small Finance Bank has built its reputation on a customer-centric approach, focusing on providing personalized banking solutions that address the unique needs of its diverse customer base. The bank’s commitment to customer satisfaction is evident in its range of products and services designed to cater to all segments, including low-income families, rural communities, and small businesses.
Ujjivan Small Finance Bank’s Growth and Impact
Today, it operates over 500 branches across India, serving millions of customers. The bank’s mission of financial inclusion has had a significant impact, particularly in rural and semi-urban areas where traditional banking services have been limited.
Ujjivan Small Finance Bank Branch Network
Ujjivan Small Finance Bank has expanded its footprint significantly across India, establishing a robust branch network to serve its diverse customer base. As of 2025, the bank operates over 758 branches spanning 26 states and union territories, ensuring accessibility to both urban and rural populations. The bank’s strategic expansion includes entering new markets such as Andhra Pradesh, marking its 26th state of operation. This growth reflects Ujjivan’s commitment to providing inclusive banking services nationwide.
| Region | Number of Branches |
| South India | 250+ branches |
| West Indies | 150+ branches |
| North India | 50+ branches |
| East India | 50+ branches |
Wrapping Up
Ujjivan Small Finance Bank has emerged as a leading institution providing inclusive banking services that cater to the needs of all segments of society. With its wide range of products and services, the bank has made significant strides in improving financial accessibility across urban and rural India. Its customer-centric approach and focus on digital banking continue to set it apart in an increasingly competitive financial sector.
FAQs
What are the benefits of Ujjivan Small Finance Bank’s savings accounts?
Ujjivan Small Finance Bank offers a variety of savings accounts with features like no minimum balance requirement, free ATM withdrawals, and online banking. Customers can also earn competitive interest rates on their balances. The bank provides multiple types of savings accounts tailored to different customer needs, ensuring convenience and accessibility.
How can I apply for a personal loan with Ujjivan Small Finance Bank?
To apply for a personal loan with Ujjivan Small Finance Bank, visit their website or nearest branch. You will need to provide documents such as proof of identity, proof of address, and income details. The bank offers quick approval and disbursal with competitive interest rates and flexible repayment options.
What types of home loans are available at Ujjivan Small Finance Bank?
Ujjivan Small Finance Bank offers home loans for purchasing, constructing, or renovating homes. Customers can apply for home loans online or visit any branch for personalized assistance.
How do microloans from Ujjivan Small Finance Bank benefit rural communities?
Microloans from Ujjivan Small Finance Bank are designed to provide small amounts of credit to individuals and businesses in rural and underserved areas. These loans help people start or expand small businesses, improve their livelihoods, and gain financial independence.
Are Ujjivan Small Finance Bank’s services available online?
You can check balances, transfer funds, pay bills, and apply for loans or other financial products through these digital platforms, providing convenience and accessibility.
How does Ujjivan Small Finance Bank support MSMEs?
Ujjivan Small Finance Bank offers a range of business loans tailored to MSMEs, including working capital loans, equipment financing, and term loans. The bank’s MSME services help businesses grow by providing easy access to capital, competitive interest rates, and fast processing.
What is Ujjivan Small Finance Bank’s approach to financial inclusion?
Ujjivan Small Finance Bank is committed to financial inclusion by offering services such as microloans, digital banking, and affordable banking products to underserved communities. The bank’s initiatives aim to improve access to credit and financial services for individuals and businesses in rural and semi-urban areas.