Ujjivan Small Finance Bank Ltd.

₹53.93-0.59%Dec 16, 3:45 PM IST

UJJIVANSFB•Finance•Regional Banks

Current Price

₹53.93-0.59%

Dec 16, 3:45 PM IST

Market Cap₹10,496.78 Cr

Business Overview

UJJIVAN SMALL FINANCE BANK LIMITED operates through 11 main business divisions including MicroBanking, Agriculture Banking, MSME, Housing and Micro-mortgages, Vehicle Finance, Gold Loan, Financial Institutions & Government Banking Group (FIGB), Retail Liabilities (Branch Banking & TASC), Treasury, Third-Party Products, Digital Channels and Products.

Business Hierarchy Structure for UJJIVAN SMALL FINANCE BANK LIMITED

UJJIVAN SMALL FINANCE BANK LIMITED
- MicroBanking
  - Group Loans
  - Individual Loans
  - Loan Against Property (LAP)
  - Micro, Small and Medium Enterprises (MSME) loans
  - Home Improvement Loans
  - New-to-Credit (NTC) customers
- Agriculture Banking
  - Loans for farmers
    - Crop cultivation
    - Allied activities
      - Dairy
      - Poultry
      - Fisheries
  - Kisan Pragati Card – Poultry
  - Kisan Pragati Card – Pisciculture
- MSME
  - Loan Against Property (LAP)
  - Working Capital (WC)
  - Supply Chain Finance (SCF)
  - Non-fund based offerings
    - Bank Guarantees
- Housing and Micro-mortgages
  - Housing Loans
    - Economically Weaker Section (EWS)
    - Low-Income Group (LIG)
    - Middle-Income Group (MIG)
  - Micro-mortgages
- Vehicle Finance
  - Two-wheeler loans
  - Electric three-wheeler loans
- Gold Loan
  - Gold Loan product
  - Gold Loan Elite product
- Financial Institutions & Government Banking Group (FIGB)
  - Deposit mobilisation from banks and financial institutions
  - Wholesale lending
  - Certificates of Deposit (CDs)
  - Term loans
  - Inter Bank Participation Certificate (IBPC)
  - Overdraft (OD)
  - Securitisation
  - Working Capital Demand Loan (WCDL)
- Retail Liabilities (Branch Banking & TASC)
  - Savings Accounts
  - Current Accounts
  - Fixed Deposits
  - Maxima Savings Account
  - Navratna Family Account
  - Minor Savings Account
  - Court Deposit
  - Millionaire Recurring Deposit
  - Trusts, Associations, Societies, and Clubs (TASC)
- Treasury
  - Balance Management
  - Asset-Liability Management (ALM)
  - Statutory Liquidity Ratio (SLR) and non-SLR securities
  - Interest rate derivatives
  - Equities
  - Foreign Exchange Services
- Third-Party Products
  - Life Insurance
  - Health Insurance
  - General Insurance
  - Demat & Trading Account
  - Atal Pension Yojana
  - National Pension System (NPS)
- Digital Channels and Products
  - Mobile Banking Application - Retail
  - Net Banking Platform - Retail
  - Hello Ujjivan Application
  - Business Net Banking Platform
  - Business Mobile Banking Application
  - SMS Banking
  - Missed Call Banking
  - DIY - Digital Savings Account
  - DIY - Digital Current Account (Individual)
  - DIY - Digital Fixed Deposit
  - Video Banking
  - WhatsApp and Chatbot Banking
  - UPI Payment Services
  - Merchant UPI QR Codes
  - Aadhaar-enabled Payment System (AePS)
  - Bharat Bill Payment System (BBPS)