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Annual Report 2024-2025

img Annual Report 2024-2025
Agriculture
Banking

Harvesting Growth,
Cultivating Prosperity.

At Ujjivan, we understand that agriculture forms the foundation of India’s economy and supports a significant portion of the population. Our commitment lies in providing farmers with timely, affordable and relevant financial solutions. These include working capital for crop cultivation, credit for farm maintenance and development, support for allied agricultural activities and funds to manage essential household needs and unforeseen farming exigencies. Through simplified processes, doorstep service and digitally enabled platforms, we ensure year-round access to credit. By doing so, we aim to foster financial inclusion, strengthen rural livelihoods and contribute meaningfully to India’s agrarian economy.

We provide loans to farmers, covering crop cultivation and allied activities like dairy, poultry and fisheries. With a strong presence across rural and semi-urban markets, Ujjivan ensures easy access to credit through digital loan processing, doorstep banking and risk-based pricing models.

The entire banking suite is taken to customer doorstep, thereby ensuring all banking needs of the farmer is met, with slew of products catering to each segment of the farming community and rural household, Ujjivan endeavours to be the Bank of choice in each location served.

Performance Dashboard

3,400+

Customer Base

126 % YoY

₹ 322.5 Crores

Secured Agri Loan Portfolio

275 % YoY

( Growth in FY 2024-25 in Comparison of FY 2023-24)

Highlights of FY 2024-25

  • Crossed ₹ 300 Crores in Outstanding Principle (OSP), reflecting a steady growth in the loan book
  • Implemented an end-to-end digital loan journey, enhancing efficiency and reducing turnaround time for loan approvals
  • Expanded geographic presence, entering new markets such as Uttarakhand, Bihar, and Uttar Pradesh, strengthening our rural outreach
  • Launched Nammura Ujjivan Free Wi-Fi in Karnataka, bridging the digital divide and enhancing financial literacy in rural areas
  • Introduced Risk-Based Pricing (RBP) for Agriculture loans, ensuring fair and customised interest rates for farmers based on individual risk profiles
  • Expanded credit solutions for allied activities, introducing specialised products such as Kisan Pragati Card – Poultry and Kisan Pragati Card – Pisciculture to support niche farming needs

Opportunity Landscape

The agricultural financing sector in India is evolving, driven by policy reforms, digital advancements and a growing demand for structured financial products. Key opportunities include:

  • Expansion of Agri-tech collaborations: The rise of Agri-tech startups presents opportunities for banks to offer data-driven credit solutions, improve loan monitoring and enhance risk assessment mechanisms
  • Diversification beyond traditional crop loans: Increasing focus on agri-business financing, farm mechanisation loans and sustainable farming presents growth avenues for financial institutions
  • Government initiatives and subsidies: Schemes announced in the current Finance Bill focussing on pulses, seeds, fishery and crop diversification is bound to increase investment in these sectors, thereby requiring capital support; this presents a huge opportunity to Banks to partner with agriprenuers and aspirational farming community
  • Rural digital banking penetration: The growing acceptance of mobile banking and digital payment solutions enhances access to credit, reducing dependency on physical bank branches; the digital documentation and digital land title verification will contribute in quicker servicing, lower carbon footprint and in lowering turn arounds
Outlook

In the coming fiscal, we aim to introduce agri-based enterprise loans for agri-businesses, including dairy-focused credit products, supporting farmers with infrastructure and livestock financing. With innovation, inclusion, deep geo and customer focus at the core, we will continue to position ourselves as a key enabler of rural economic empowerment and responsible agricultural banking in India.

MicroBanking
MSME