products and services offered by Ujjivan Small Finance Bank

Products and Services

Offering a Comprehensive Product Suite for All Customers

To cater to our customers' diverse and ever-changing needs, we have developed a comprehensive range of products and services. We have also established a robust asset-liability franchise and offer third-party products through multiple delivery channels. This enables us to provide our customers with a seamless and convenient banking experience while ensuring that their financial requirements are met with agility and efficiency.

Asset

MicroBanking

Offerings

  • Group Loans (GL)
  • Individual Loans (IL)
  • Top-up Loans - GL, IL
  • Pre-Approved Loans - GL, IL Water and Sanitation Loan (WATSAN) Loan, Guaranteed Emergency Credit Line (GECL), National Urban Livelihoods Mission (NULM)
  • Gold Loan

Unique deposit products for MicroBanking customers

  • Sampoorna Nidhi
  • Sampoorna Lakshya
17,401Crores

Asset book

60.79Lakhs

Customer base

Micro, Small and Medium Enterprises (MSME)

Offerings

  • Business EDGE Loan and Overdraft Facility
  • Secured Enterprise and Business Loan
  • OD against Property
  • Loan against Property
  • Loan against Rent Receivables
  • Supply Chain Finance through Fintech Partnerships
  • Credit Guarantee Trust for MSME Scheme
  • Navnirman Loans (GECL)
1,593 Crores

Mobile banking application users^

16,334

Customer base

Affordable Housing

Offerings

  • Construction and Purchase
  • Home Improvement
  • Composite Home
  • Home Equity Loan
  • Commercial Purchase Loan
  • Micro-LAP
3,401Crores

Asset book

37,041

Customer base

Vehicle Loans

Offerings

  • Two-wheeler Loan
128 Crores

Asset book

27,480

Customer base

Financial Institutions and Government Banking Group

Offerings

  • Term Deposits/Certificate of Deposits/Current Accounts
  • Term Loans to NBFCs and MFIs
  • Working Capital Products (CC/OD/WCDL)
  • Bank Guarantee
1,128Crores

Asset book

41

Total customer base

Agriculture & Rural Banking

Offerings

  • One-stop shop for all the banking needs of the customers through unbanked rural centres, offering the entire range of products offered by our Bank
  • Secured Agriculture Loan
    • KPC-Crop Loan
    • KPC-Poultry Loan
    • KPC-Pisciculture Loan

Liability

Retail

Offerings

  • Current Account – QR Facility
  • High-net-worth individuals (HNIs)s
  • Savings Account
  • Term Deposit
  • Non-Resident Account – OD against FD
  • Digital Savings and Fixed Deposits

Institutional

Offerings

  • Fixed Deposit
  • Term Money
  • Current Account
  • Certificate of Deposit
  • Call Money Products
  • G-Sec Trading
25,538Crores

Total Deposits

6,744Crores

CASA

10,118 Crores

Retail TD

8,458 Crores

Bulk TD

75 Lakhs+

Total customer base

Third-party Products

Life insurance

Partners

  • ICICI Prudential Life Insurance
  • Bajaj Allianz Life Insurance
  • Aditya Birla Sun Life Insurance
  • HDFC Life Insurance
  • Max Life Insurance

Offerings

  • Credit Life Insurance
  • Term Insurance, Endowment and PAR Products
  • POS and ULIP
52.55Lakhs

Lives insured

General insurance

Partners

  • ICICI Lombard General Insurance
  • Bajaj Allianz General Insurance

Offerings

  • Motor, Property, Home Content
  • Personal Accident
42,000

Assets/Lives secured

Health insurance

Partners

  • ICICI Lombard General Insurance
  • Bajaj Allianz General Insurance
  • Care Health Insurance

Offerings

  • Hospital Daily Casht
  • Health Indemnity/Family Floater
1,87,500

Lives secured

presentation of additional products and services

© 2023 Ujjivan Small Finance Bank Ltd. All Rights Reserved