Explore Our Comprehensive FAQ Section
for Clear and Concise Banking Information.

The amount to the credit of any account in India with any bank which has not been operated upon for a period of 10 years or any 
deposit or any amount remaining unclaimed for more than 10 years shall be transferred to Depositor Education and Awareness 
Fund (DEAF) of RBI within a period of 3 months from the expiry of the said period of 10 years.

https://www.ujjivansfb.in/unclaimed-data

A. Claim Form:

a). Self-attested true copy of any of the following Officially valid documents (OVDs) as

a proof of identity:

I. Aadhaar

II. Driving License

III. NREGA Card

IV. National Population Registry Letter

V. Passport

VI. Voter ID Card issued by Election commission of India

b). ID Number of the Officially Valid Document (OVD) provided as proof of identity.

c). Other details:

I. Bank Account Number

II. Type of Bank Account Number-SB/CA/CC/OD

III. Account Name/Title

IV. Name of the Bank

V. Branch Name and Address

VI. IFSC code

B. Cancelled cheque or passbook for the destination account in case of transfer

request to another Bank account.

C. A complete set of KYC documents, i.e., ID proof, address proof and latest photograph.

The claim form to be submitted at branch along with complete documentation.

An ETB (existing to bank) customer or nominee/legal heir in the case of a deceased customer
(as per Bank’s Death Claim Process) can claim the balance transferred to RBI DEAF.

Turn Around Time is T +1 (T refers to Today, the date of receiving complete claim form along
with required documents).

The files which was successfully authorised and processed will be available in File UploadView Bulk Upload File Status. There you can select Upload Date. File name will be as per below naming standards:

• File starting with NFT will have only NEFT transactions.
• File starting with RTG will have only RTGS transactions.
• File starting with IFT will have only Internal Fund Transfer

Any bill payment/recharge initiated to be authorised within 24 hours of initiation. Otherwise that transaction will be expired and will fail.

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You can use click on “Forgot Password” to reset your login/transaction password. You will receive system generated credentials on the registered email id.

After 45 Days

7 days.

Yes. You can schedule fund transfer (Internal fund transfer/NEFT/RTGS). Based on the date of execution and frequency the transactions will be executed.

NEFT, RTGS, IMPS and Internal Fund Transfer. All these can be used for single transfer and multi-fund transfer. For file upload, RTGS, NEFT and Internal Funds Transfer (IFT) can be used.

Dual level of authorisation can be opted for the customers for any type of transactions which are mentioned in the Business Net Banking form. For example, if a transaction initiated by a Business Net Banking user who is an Initiator (Maker/Both role) needs to be approved by Business Net Banking user at 1st level and 2nd Business Net Banking user at 2nd level, then the number of approvers in this case will be 2 i.e. one at 1st level and second at 2nd level. A transaction initiated by this Business Net Banking user will have to be approved by 2 Business Net Banking users with Authoriser role (Checker/Both role). The transaction will flow from initiator to 1st level authoriser and then 2nd level of authoriser. If no transaction is selected for dual authorisation, then the transaction will be applicable for single level of authorisation i.e. the transaction will flow from initiator and then to 1st level of authoriser. The authorisation matrix has to be defined accordingly in the Business Net Banking form. The number of Business Net Banking users at any level should mandatorily be one Business Net Banking user and can also have group of Business Net Banking users/Department which is optional.

Yes. Ujjivan Business Net Banking supports maker-checker concept for greater control to the customers. Different users can be mentioned as maker and checker for a transaction.

Following documents can be accepted as a first/second entity proof:

• Certificate / Licence issued by the Municipal authorities under Shop & Establishment Act:
  • Valid Shops & Establishment Certificate/ Trade License.
  • Certificate of enlistment/license/shop allotment letter issued by Municipal Corporation
  • Shops & Establishment Certificate issued by E-Seva Kendra’s (Andhra Pradesh). Receipt issued only by Municipal Corporation of Hyderabad (MCH) to be accepted along with Shops & Establishment Certificate.
  • Valid shops and establishments certificate issued by the Municipal corporations in West Bengal.
• *NOTE: You can set security answers in the Settings tab.
• CST / VAT / GST certificate
  • Sales Tax Registration Certificate/ TIN Certificate/ VAT Certificate/ Service Tax certificate/ TAN certificate/ Allotment letter for new firms not older than six months
  • Certificate/registration document issued by Sales Tax/Service Tax/Professional Tax authorities
  • Professional Tax Registration Certificate
  • GST registration certificate
• *NOTE: You can set security answers in the Settings tab.
• Licence issued by the Registering authority like Certificate of Practice issued by Institute of Chartered Accountants of India, Institute of Cost Accountants of India, Institute of Company Secretaries of India, Indian Medical Council, Food and Drug Control Authorities, registration/licensing document issued in the name of the proprietary concern by the Central Government or State Government Authority/Department, etc. IEC (Importer Exporter Code) issued to the proprietary concern by the office of DGFT
  • APMC/ Mandi License/ Certificate
  • Labour License/Certificate
  • Trade Mark Registration Certificate
  • Liquor License/ Registration Certificate
  • Drug License
  • Registration Certificate issued by Excise & Customs Department.
  • License/ Certificate to Sell/ Stock/ Exhibit for Sale or Distribute Insecticide/Pesticide
  • Police Department Permission/License/Certificate
  • Regional Transport Office Permit/Registration Certificate
  • Consent to Operate document issued by State/Central Pollution Control Board
  • kCertificate Issued by SEZ, STP, EHTP, DTA and EPZ in the name of the entity mentioning the address allotted.
  • Importer–Exporter Code (IEC)
  • Trade License in the name of entity./li>
  • Factory Registration Certificate in the name of entity.
  • SEBI Registration Certificate in the name of the entity.
• *NOTE: You can set security answers in the Settings tab.

Following documents can be accepted as a first/second entity proof:

• Utility bills such as electricity, water, and landline telephone bills in the name of the proprietary concern
  • Latest copy of Electricity Bill, not more than 2 months old.
  • Latest copy of Landline Telephone Bill from Telecom operator, not more than 2 months old.
  • Water Tax bill paid to Municipal Body/ Corporations, not more than 2 months old along with the Tax receipt should stand in the name of the firm.
  • Property Tax bill not more than 12 months from the bill issuance date along with Tax payment receipts in the name of the firm.
• *NOTE: You can set security answers in the Settings tab.
• Sales and income tax returns
  • Complete Sales tax return in the name of the firm duly acknowledged and accepted.
  • The complete Income Tax return (not just the acknowledgement) in the name of the firm where the firm's income is reflected, duly authenticated/ acknowledged by the Income Tax Authorities.
  • Last available Income/ Wealth Tax Assessment order in the name of firm. 3. District Industries Center (DIC)/ Small Scale Industries (SSI)/ Micro, Small and Medium (MSME) Certificate - Acknowledgment Part -II issued by DIC/ SSI/ Development Commissioner MSME containing Entrepreneur's Memorandum Number, Udyog Aadhaar (Applicable only for manufacturing and services sector) – Udyog Aadhaar not acceptable for Partnership, LLP and Companies.
• *NOTE: You can set security answers in the Settings tab.
• Certificate issued by Municipal Corporation/ Local Self Government Bodies confirming address of the firm.
• Registration Certificate issued under Weight & Measurement Act along with Certificate of Verification issued under Weight & Measurement Act

* This is only an indicative list. Please visit your nearest branch for more details

Any of the following documents can be used to establish proof of address

• Aadhaar card issued by Unique Identification Authority of India (UIDAI)
• Passport
• Driving license
• PAN card
• Voter identity card
• Job card issued by NREGA duly signed by an officer of the state government
• Letter issued by the National Population Register containing details of name, address

* This is only an indicative list. Please visit your nearest branch for more details

• Copy of Latest Limited Liability Partnership agreement
• Registration certificate
• PAN card of the entity
• Entity proof - Any one document which confirms Entity Name, Address, Business activity other than above mentioned documents
• LLP letter – Resolution to open the account and list of authorized signatories duly signed by all designated partners
• Shareholding pattern (On the letter head of the company)
• List of Designated partners
• KYC Documents for all designated partners and Authorized signatories, Beneficial Owners (holding 25% or more), POA holders.
• No objection certificate (if the firm is enjoying credit facility from any other bank/s), with the tracer for a fortnight for a response from the other bank

* This is only an indicative list. Please visit your nearest branch for more details.

• Certificate of incorporation
• Commencement of Business (for Public Limited Companies)
• PAN card of the entity
• Memorandum and articles of association
• Resolution of the board of directors to open an account
• Proof of registered address(Certificate of Incorporation having address of the company/Form 18 along with ROC Receipt)
• List of Directors (On the letter head of the company)
• Shareholding pattern (On the letter head of the company)
• MCA website extract
• KYC Documents for all Authorized signatories, POA & Beneficial owners (holding 25% or more)
• No objection certificate (if the firm is enjoying credit facility from any other bank/s), with the tracer for a fortnight for a response from the other bank

* This is only an indicative list. Please visit your nearest branch for more details.

• PAN Card in the name of proprietor
• Entity Proof - Any two documents which confirms Entity Name / Address / Business activity of the firms
• KYC documents for Sole Proprietor and authorized signatory / Power of Attorney (if any)

* This is only an indicative list. Please visit your nearest branch for more details.

Mandatory Document / Officially valid documents (OVD)

Permanent Account Number or Form No. 60 as defined in Income-tax Rules, 1962

• Passport
• Driving license
• Voter's Identity Card issued by Election Commission of India
• Job card issued by NREGA duly signed by an officer of the State Government
• Letter issued by the National Population Register containing details of name, address
• Aadhaar issued by the Unique Identification Authority of India (e-KYC with customer consent / Proof of possession of Aadhaar with Aadhaar number blacked out)

Yes, you can. Our state-of-the-art centralised banking system provides you with the flexibility of accessing your account from any branch pan-India.

No. As an Ujjivan SFB Current Account holder, you have the advantage of a single account and multi-location banking facilities.

You can enjoy 50 free cash withdrawals per month from any Ujjivan Bank branch, beyond which you will be charged ₹ 10 per transaction.

Additionally, there is no limit on the cash withdrawal amount from a branch.

You can fix an appointment to complete the full KYC through the following channels

• While opening an account (online)
• Through Internet and Mobile Banking
• Through Phone Banking

A Digital Account is intended only for one user and cannot be held jointly.

Yes, it is mandatory. FATCA stands for the Foreign Account Tax Compliance Act. The RBI requires us to collect a FATCA declaration from every customer who opens a Digital Fixed Deposit with us.

To open a Digital Account, you need to share your Aadhaar and PAN details. In case you do not wish to share your Aadhaar information, you can visit your nearest Ujjivan SFB branch, and open any account from our range of products.

Ujjivan SFB Digital Fixed Deposit can be opened by anyone, as long as

• You are an Indian citizen
• Have a valid PAN and Aadhaar number
• Have a valid mobile number linked to your Aadhaar
• You are aged above 18 years
• You don’t have an existing relationship with the bank

• At the time of account opening, you can fund your account with any existing bank account by Debit card, Net Banking or UPI. The minimum funding required is Rs. 2,000.
• You can also add your Ujjivan SFB Savings Account as a beneficiary in your other bank accounts using the Account Number and the IFSC code, and transfer funds to your Ujjivan Bank Account via IMPS or NEFT.
• You can also visit any UPI app on your smartphone and transfer the funds using A/C + IFSC.
• Alternatively, you can visit your nearest Ujjivan Small Finance Bank branch to make a deposit.

You can fix an appointment to complete the full KYC through the following channels -

• While opening an account (online)
• Through Internet and Mobile Banking
• Through Phone Banking

Digital Account is intended only for one user and cannot be held jointly.

Yes, it is mandatory. FATCA stands for the Foreign Account Tax Compliance Act. The RBI requires us to collect a FATCA declaration from every customer who opens a Savings Account with us.

To open a Digital Account, you need to share your Aadhaar and PAN details. In case you do not wish to share your Aadhaar information, you can visit your nearest Ujjivan SFB branch, and open any account from our range of products.

Ujjivan SFB Digital Savings Accounts can be opened by anyone, as long as

• You are an Indian citizen
• Have a valid PAN and Aadhaar number
• Have a valid mobile number linked to your Aadhaar
• You are aged between 18 – 59 years
• You don’t have an existing relationship with the bank

Yes, you can avail the overdraft facility against an FD. Please contact the branch for further information.

A Cumulative Fixed Deposit account will be offered to customers where an amount is kept with the bank and the bank pays an interest at the time of maturity. Compound interest is calculated on a quarterly basis, and it is reinvested. The rate of interest paid for the Fixed Deposit will vary according to tenure and amount. Tenures of Cumulative FDs range from 6 months to 10 years.

Yes, there is a nomination facility on the Fixed Deposit account.

After the maturity of your Fixed Deposit, you can walk into any of the Ujjivan SFB branches in the country and claim your deposit by furnishing your FD details.

Auto-renewal has three options for renewal

• Principal only
• Interest-only and
• Both principal and interest.

You can also opt out of auto-renewal.

Yes, you can choose the auto-renewal facility at the time of opening the Fixed Deposit. Auto-renewal allows your Fixed Deposit to get renewed automatically for the same period as the original deposit.

Yes, a loan facility is available at a value of up to 80% of principal and accrued interest. You can walk into any of our branches for more information.

Fixed Deposit can be closed before maturity through an Ujjivan SFB branch. The final amount paid will be calculated according to terms and conditions pertaining to the deposit.

Yes, the Fixed Deposit can be closed before the end of the original term by submitting a fixed deposit receipt at a branch. Interest calculation will be as per the terms and conditions. For further details, contact the branch.

Yes, senior citizens gain an additional 0.50% rate of interest.

Yes*. You can avail subsidy benefit up to ₹ 2.67Lakhs* under Pradhan Mantri Awaas Yojana-Credit linked Subsidy Scheme(PMAY-CLSS) as per the eligibility criteria.

Yes*. You can transfer your exiting home loan to Ujjivan Small Finance bank at attractive rates* and can also avail the Top-up loan facility*

Home loan can be availed for the Purchase of house, Self-construction of house, Purchase of plot for home construction, Improvement/modification of existing home.

Yes. All property owners/co-owners should be a part of Home loan applicants as applicants or co-applicants.

You can take the Home loan of minimum ₹ 2,00,000*/- depending upon type of product.

• EMIs can be repaid through Standing Instruction (SI) linked to your Ujjivan Small Finance Bank Savings accounts or
• EMIs can be repaid by registering ACH with your Savings bank account in other banks

Ujjivan offers in-house scrutiny of property documents for your complete peace of mind. So be assured that your property documents are in safe hands.

Yes. You can opt for Automated Repayment and your EMIs will be directly repay from your Ujjivan Small Finance Bank Savings Account, thus saving you the trouble of procuring, signing and tracking post-dated cheques.

For Salaried Individuals

• Proof of Residence - Any one of the below OVDs (Officially Valid documents)
  • Passport
  • Driving License
  • Proof of possession of Aadhaar
  • Voter's Identity Card issued by Election Commission of India
  • Job card issued by NREGA duly signed by an officer of the State Government
  • Letter issued by the National Population Register containing details of name, address
  • Aadhaar card
• PAN Card/Form 60.
• Proof of Business
  • Business Registration documents
  • E-Bill
  • Rent agreement
  • Udyog Adhaar
• Proof of Income
  • Latest 6 months Bank Statement/Passbook
  • Latest 6 months Bank Statement/Passbook
  • Income Tax Returns
  • Salary certificate wherever applicable
  • Form 16A wherever applicable
• Original Property Documents.

For Self-Employed Individuals

• Proof of Residence & Identity - Any one of the below OVDs (Officially Valid documents)
  • Passport
  • Driving License
  • Proof of possession of Aadhaar
  • Voter's Identity Card issued by Election Commission of India
  • Job card issued by NREGA duly signed by an officer of the State Government
  • Letter issued by the National Population Register containing details of name, address
  • Aadhaar card
• PAN Card/Form 60.
• Proof of Business
  • Business Registration documents
  • E-Bill
  • Rent agreement
  • Udyog Adhaar
• Proof of Income
  • Latest 6 months Bank Statement/Passbook
  • Income Tax Returns
• Original Property Documents.

• Click here to apply online: https://www.ujjivansfb.in/personal/borrow/personal-home-loans
• You can call on our toll free number-1800 208 2121
• Or you can contact our nearest Ujjivan Small Finance Branch. Click here to find our nearest branch.

You can contact our bank branch, write to us at customercare[at]ujjivan[dot]com or call our toll free number 1800-208-2121 or contact the destination bank branch or the Customer Facilitation Service Centre at the bank.

For any reason, if the IMPS transaction is not processed - technical or business -the money would be credited back to the sender's account instantly. In case the fate of the transaction is not determined immediately, the reversal of funds will happen within the next five working days.

Transactions to banks which are not IMPS enabled will be rejected and the funds will not be debited from the customer's account.

On successful completion of the transaction, alerts will be sent on your preferred mobile number registered with the bank.

Inward transaction: NIL

For IMPS outward charges, please click here

IMPS transactions can be sent and received at any time and on any day. There are no restrictions of timing or holidays on IMPS remittances.

Mobile Banking

Net Banking

• Login using mPIN
• Click on “Money Transfer” from the vertical slider menu
• Click on “Manage MMID”
• Select “View MMID”
• Select the account number for which MMID is to be viewed
• Click “View” to see MMID

• Login using customer ID and password
• Click on “Money Transfer” from the vertical menu
• Click on “Manage MMID”
• Select the account number for which MMID is to be generated
• Click “Generate” to know MMID
• You will get 7-digit MMID for the bank account

• Login using mPIN
• Click on “Money Transfer” from the vertical slider menu
• Click on “Manage MMID”
• Select “Generate MMID”
• Select the account number for which the MMID is to be generated
• Click “Generate” to know MMID
• You will get a 7-digit MMID for the bank account

If you have more than one account with the Bank, please use Ujjivan SMS Banking.

Ujjivan Missed Call Banking enables a customer to know his/her balance and mini statement by giving a missed call.

• For balance enquiry, give a missed call on 9243012121
• For mini statement, give a missed call on 9243012121

To control your Money Transfer limit, Click on ‘Manage Limit’ in the ‘Settings’ option located in the vertical slider Menu.

Services offered by Ujjivan Mobile Banking are as follows

Cheque services

• Request cheque book
• Stop payment of cheque
• Cheque status enquiry

Debit card services

• Request debit card
• Debit card status
• Debit card hot-listing

New Account Request

• Savings Account
• Current Account
• Fixed Deposit
• Recurring Deposit
• Loan

To delete a favourite transaction, select “Manage Favorites” from the Settings option menu located in the vertical slider menu.

You can add up to 10 favourite transactions and use it for quick and easy access.

A favourite transaction is a feature you can use to add your most frequent transactions and use it for quick and easy access.

Yes, any new payee or beneficiary added in Ujjivan Mobile Banking will also be available in Ujjivan Net Banking as well.

• After logging in, click on “Money Transfer” option on the home screen or in the vertical slider menu
• Click on “Manage beneficiary “and choose “Add beneficiary”
• Select the type of Money Transfer to fill details
• Enter the OTP sent to your mobile number registered with the Bank

No, adding a new payee or beneficiary is mandatory for transferring moneyusing Ujjivan Mobile Banking.

If the transaction fails or the beneficiary does not receive money, please make a note of the transaction ID and contact Ujjivan through Phone banking toll free number 1800-208-2121 or email customercare[at]ujjivan[dot]com.

Please find below the link for raising a compliant if any.
https://www.ujjivansfb.in/feedback-form

A payee or beneficiary is a person who receives money.

If customer loses the mobile phone, customer can block their Mobile Banking and UPI channel or request to debit freeze their account if needed, by calling Phone Banking at 1800-208-2121, email customer care[at]Ujjivan[dot]com from your e-mail ID registered with the bank or visit the nearest branch.

Working Capital: Purchase of Stock (Raw Material and Finished goods), Payment to creditors, Financing of Debtors and for keeping cash to meet day to day operating expenses.

Capital Expenditure: Purchase of New or old equipment, investing in purchase or renovation of office/ factory/godown or other business premises.

Debt Consolidation.

You can pre-close your loan. However, there will be a

• 5% penalty on the outstanding principle, if the loan is pre-closed within 12 months of loan disbursement.
• 3% penalty on the outstanding principle, if the loan is pre-closed after 12 months of loan disbursement.

There are two modes for this: Either NEFT/RTGS or DD as per your requirement.

Depending on the loan you have applied for, you can have tenure anywhere between 3 year to 10 years

You can avail a business loan between ₹ 3,00,000 to ₹ 15,00,00,000, in intervals of ₹ 10,000, based on your eligibility.

You can avail a business loan between ₹ 3,00,000 to ₹ 15,00,00,000.

Based on the financial needs of your business, you can apply for the Term loan or Overdraft facility of Upto ₹ 15 Cr duly backed by collateral. However, the final amount of disbursal will be decided by Ujjivan based on the assessment done by its field staff.

You can contact our bank/branch or the destination bank/branch or the Customer Facilitation Service Centre of the banks.

Ujjivan Small Finance Bank

Grape Garden, No.27, 3 rd ‘A’ Cross, 18 th main, 6th Block, Koramangala, Bengaluru 560095, Phone - +91 80 4071212

Yes. If the money cannot be credited for any reason, the beneficiary’s bank has to return the money within next two batches i.e. (B+2)to the remitting bank .Once this amount is received back by the remitting bank, the amount is credited to the Remitter's account by the remitting bank.

Indian Financial System Code (IFSC) means a unique code of 11 digits of NEFT enabled Branches. The remitting customer can obtain the IFSC of receiving branch from his bank branch. The IFSC code is also available on the RBI website in the following Link:

NEFT:

http://www.rbi.org.in/scripts/neft.aspx

The remitting customer has to furnish the following information to a bank for effecting a NEFT

• Amount to be remitted
• Remitting customer’s account number which is to be debited
• Name and IFSCode of the beneficiary bank
• Name of the beneficiary customer
• Account number of the beneficiary customer
• Sender to receiver information, if any
• Mobile number / email id (for NEFT to receive credit confirmation)

Transactions to non-NEFT enabled Banks will be rejected and the funds will not be debited from the customer's account

On successful completion of the transaction, alerts will be sent on your preferred mobile number registered with the bank.

Inward Transaction: NIL

For NEFT outward charges, please click here

You can contact our bank branch, write to us at customercare[at]ujjivan[dot]com or call our toll free number 1800-208-2121 or contact the destination bank branch or the Customer Facilitation Service Centre at the bank..

NEFT transactions are sent to RBI as per the following schedule

Net Banking

Mobile Banking

The Bank issues a No Due Certificate (NOC) to the customer after the closure of the loan. The NOC will be made available on our Internet Banking and Mobile Banking platform for the customer to download.

You can download all the above by logging into your internet banking/mobile banking. You can also call our Phone banking on 1800 208 2121 or visit our branch and place a request.

Please submit a written request by visiting our branch for updating your details.

You can select the repayment date of your personal out of the options 1st, 5th, and 10th. The repayment once selected cannot be changed.

Following are the key steps involved for availing Personal Loan

• Application
• Documentation
• Verification
• Sanctioning and Processing of the loan
• Disbursement

Submitting a complete and valid set of documents is the most important step for faster loan amount disbursement. To avoid delays in loan processing and disbursement, do keep all necessary documents ready.

A higher credit score indicates that you have a good track record concerning loans that you have borrowed in the past. Maintaining a credit score of 700 and above is always good. Ujjivan offers up to 1 % interest waiver for CIBIL score >700.

You can check your status by clicking on Track your Application button on our website. You can also call our customer care number and provide your application reference number and mobile number to know the status of your loan.

Self Mode (Apply yourself) option of the application process allows the customers to apply for the Personal Loan by filling the complete application form and uploading the required documents online. After submission of application process through self-mode, application instantaneously moves for credit appraisal thus reducing the turn around time (TAT) for the customer.

After checking your eligibility, you will have two options to fill out the application form and submit the documents. You can either apply online via Self Mode by clicking of Apply Myself or opt for the assistance of our Loan Officer via Assisted mode by clicking on Request a visit. You will also be eligible for a rebate/discount on your Processing Fees if you opt for Self Mode for Personal Loan Application.

You can check your eligibility and view EMI amount, processing fees, repayment schedule, etc. by clicking on https://ujjivansfb.rupeepower.com/personal-loan or on our Toll free number on 1800 208 2121.

To control your Money Transfer limit, Click on ‘Manage Limit’ in the ‘Settings’ option located in the vertical Menu.

To request a new debit card, click on “Debit Card Request” from the “Cards” option located in the vertical menu

I have lost my debit card. Can I block my debit card using Ujjivan Personal Net Banking?

A debit card hotlist is a list of debit cards that are permanently disabled by the Bank upon your request. Such cards are reported stolen, canceled and/or compromised in some way.

Services offered by Ujjivan Mobile Banking are as follows

Cheque services

• Request cheque book
• Stop payment of cheque
• Cheque status enquiry

New Account Request

• Savings Account
• Current Account
• Fixed Deposit
• Recurring Deposit
• Loan

To delete a favourite transaction, select “Manage Favorites” from the Settings option menu located in the vertical menu.

You can add up to 10 favourite transactions and use it for quick and easy access.

A favourite transaction is a feature you can use to add your most frequent transactions and use it for quick and easy access.

Yes, any new payee or beneficiary added in Ujjivan Personal Net Banking will also be available in Ujjivan Mobile Banking as well.

You can add new payee or beneficiary using the following steps

• After logging in, click on “Money Transfer” option in the vertical menu
• Click on “Manage beneficiary “and choose “Add beneficiary”
• Select the type of Money Transfer to fill details
• Enter the OTP sent to the mobile number registered with the Bank

Yes, you change the nominee(s) of the deposit accounts by making a declaration effect in the appropriate form, which is available with the Bank branch.

Yes, there is a nomination facility on the recurring deposit account.

If six consecutive installments are unpaid, the Bank reserves the right to close the recurring deposit account. The interest rate applicable on such closed accounts will be as per the premature withdrawal policy of the Bank. A penalty would be charged for delayed payment. For further details please contact the Bank branch.

Yes, Recurring deposit can be redeemed before the original term. Please contact the bank branch for further details.

Yes, Senior Citizens gain an additional 0.50% rate of interest.

Partial payments are not possible.

Existing Customers of the Bank savings account may open a recurring deposit by visiting the nearest Bank branch, logging into www.ujjivansfb.in, through Mobile and Net Banking or at Center Meetings (up to ₹5,000). New Customers may also place a request by visiting the nearest Bank branch.

For Recurring Deposits, TDS is not applicable on the interest earned up to ₹ 40,000 under Section 194A. However, TDS will be applicable if the interest received or likely to be received, during the financial year, exceeds ₹ 40,000 / ₹ 50,000 in case of senior citizen customer.

Tax Deduction at Source (TDS) will be applicable on interest paid/ accrued on Recurring Deposits. In case the deposit holder does not want the Tax to be deducted at source, they may submit Form 15G / 15H (other than company, firm or co-operative society)/ Exemption Certificate under Section 197 (in case of all holders)/ or any other Tax Exemption Certificate with the Bank. Such form or tax exemption certificate has to be submitted every financial year for each recurring deposit held with the Bank. For further details contact the bank branch.

No, it is not possible to change the tenure and installment due date.

Interest is paid when the recurring deposit account is closed, and on maturity.

You can contact our bank branch, write to us at customercare[at]ujjivan[dot]com or call our toll free number 1800-208-2121 or contact the destination bank branch or the Customer Facilitation Service Centre at the bank.

Yes. If the money cannot be credited for any reason, the Beneficiary’s bank has to return the money within two hou₹ Once this amount is received back by the Remitting bank; the amount is credited to the Remitter's account by the Remitting bank.

Indian Financial System Code (IFSC) means a unique code of 11 digits of RTGS enabled Branches. The Remitting customer can obtain the IFS-Code of receiving branch from his bank branch. The IFSC code is also available on the RBI website in the following Link:

RTGS:

http://www.rbi.org.in/scripts/BS_ViewRTGS.aspx

The Remitting customer has to furnish the following information to a bank for effecting a RTGS fund transfer

• Amount to be remitted
• Remitting customer’s account number which is to be debited
• Name and IFS Code of the Beneficiary bank
• Name of the Beneficiary customer
• Account number of the Beneficiary customer
• Sender to receiver information, if any
• Mobile number / email id (for RTGS to receive credit confirmation)

Transactions to non-RTGS enabled Banks will be rejected and the funds will not be debited from the customer's account

On successful completion of the transaction, alerts will be sent on your preferred mobile number registered with the bank.

Transaction Charges

Inward Transaction: NIL

For RTGS outward charges, please click here

RTGS transactions are sent to RBI as per the following schedule:

Please note that all the above timings are based on Indian Standard Time (IST) only Credit sent after the Cut off time will be settled in the next RTGS working day.

Steps to add a Beneficiary:

• Login using Customer ID and password
• Click on “Money Transfer” in the vertical menu
• Select “Manage Beneficiary”
• Click “Add Beneficiary”
• Click on submit and verify the OTP sent to your registered mobile number
• Beneficiary will be added and activated.

No.The existing minor account can be converted to a regular savings account upon submission of requisite proof of your child having attained majority at the nearest Ujjivan Small Finance Bank branch

Following are the KYC documents required to open a Minor account:

• Proof of date of birth of minor
• Latest photograph (Passport size) – One
• Identity and address proof of the parent/ guardian (RBI mandated KYC)
• Relationship proof

A Minor Savings Account can be opened for your child as long as your child is a minor (up to 18 years of age) and necessary KYC documents are provided.

You are eligible to apply for a BSBDA Small Account

• You do not have any other banking relationship with Ujjivan Small Finance Bank
• are a resident individual and do not have complete KYC.

To be more specific, a residential individual who does not have:

• Photo ID proof as per the bank’s acceptable list of documents.
• Address proof as per the bank’s acceptable list of documents.

You can access your Savings Account through:

• Free passbook facility for all account holders (individuals)
• Enjoy free cash and cheque deposits at all Ujjivan Small Finance Bank branches and ATMs
• Enjoy NEFT and IMPS services

As notified in terms of Govt of India notification dated 16, December, 2010, BSBDA-Small Accounts would be subject to the following conditions:

• Total credits in such accounts should not exceed one lakh rupees in a year.
• Maximum balance in the account should not exceed fifty thousand rupees at any time
• The total of debits by way of cash withdrawals and transfers will not exceed ten thousand rupees in a month
• Foreign remittances cannot be credited to Small Accounts without completing normal KYC formalities
• Small accounts are valid for a period of 12 months initially which may be extended by another 12 months if the person provides proof of having applied for an Officially Valid Document.
• Small Accounts can only be opened at CBS linked branches of banks or at such branches where it is possible to manually monitor the fulfilments of the conditions.

No. Banks are advised not to impose restrictions like age and income criteria of the individual for opening BSBDA.

No. The 'Basic Savings Bank Deposit Account' should be considered as a normal banking service available to all customers, through branches.

Holders of 'Basic Savings Bank Deposit Account' at Ujjivan Small Finance Bank will not be eligible for opening any other savings account in Ujjivan Small Finance Bank. If a customer has any other existing savings account in the bank, he / she will be required to close it within 30 days from the date of opening a 'Basic Savings Bank Deposit Account'.

No. An individual is eligible to have only one 'Basic Savings Bank Deposit Account' in one bank.

Ujjivan SMS Banking services and codes that must be sent to 9243232121 are as follows:

Yes, your mobile number needs to be registered with the Bank for using Ujjivan SMS Banking.

The Bank does not charge its customers for Ujjivan SMS Banking. However, standard SMS charges will be applicable as per your telecom service provider.

Ujjivan SMS Banking is a service that enables customers to make enquiries using SMS codes provided by the Bank.