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“This Annual Report has been prepared in accordance with Applicable Laws, including applicable Securities and Exchange Board of India (SEBI) and Reserve Reserve Bank of India (RBI regulations and may contain certain forward-looking statements which reflect Bank’s current views and expectations based on available information. These are subject to risks, uncertainties and assumptions and actual outcomes may differ significantly from those anticipated. The Bank does not undertake any obligation to revise or update any such forward looking statements, whether as a result of new information, future events or otherwise. The Annual Report is intended for general informational purposes only and should not be construed as financial, investment, legal or other professional advice and readers are advised to refer to official regulatory filings and consult professional advisors before making any decisions.

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Annual Report 2024-2025

img Annual Report 2024-2025
Corporate
Identity

Powering Progress,
Creating Possibilities.

At Ujjivan Small Finance Bank (referred to as ‘Ujjivan’), we are deeply committed to empowering India's un-served and the under-served communities. As a leading Small Finance Bank, our mission is to promote inclusive growth through accessible, need-based financial solutions.

Our core philosophy is straight forward, which is to transform lives via access to simple financial solutions. With this in mind, we offer a comprehensive suite of financial products and digital banking services, that are designed to meet the evolving needs of our customers. Our multilingual, user-friendly digital ecosystem ensures seamless banking experiences through Mobile & Internet banking, WhatsApp & Chatbot banking, and round-the-clock customer support.

As of March 31, 2025, we have built a robust network of 753 branches and 611 ATMs across the country, enabling secure, convenient and personalised banking. We harness the power of data-driven insights to design solutions that align with our customers’ financial goals.

In our endeavour to make a lasting impact, we extend our efforts beyond banking services and propel our stakeholders towards transformation. We do this by promoting financial literacy initiatives, strategic partnerships and community engagements, where we help individuals make informed financial decisions and unlock opportunities for a brighter future. We will continue to redefine conventional banking system—championing resilience, advancing financial inclusion and positively impacting lives across India.

Mission

To provide financial services to the un-served and the under-served customers as a responsible mass market bank, focused on building a sustainable tomorrow

Values

  • Customer's choice of institution
  • Integrity in all dealings
  • Provide responsible finance
  • Fair with suppliers and service partners
  • Professionalism and teamwork
  • Respected in the community
  • Compliance with laws, regulations and code of conduct
  • Best place to work
Key Performance
Journey of Ujjivan