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Annual Report 2024-2025

img Annual Report 2024-2025
Treasury

Optimising Funds,
Maximising Returns.

Ujjivan’s Treasury operations form a critical pillar of balance sheet management, ensuring optimal liquidity, prudent deployment of surplus funds, and strict adherence to regulatory norms. We operate through a fully equipped, multi-asset class dealing room in Mumbai, supported by a dedicated Business Continuity Planning (BCP) facility in Bengaluru. This infrastructure ensures uninterrupted treasury functionality, enabling efficient cash flow management, yield optimisation, and risk mitigation across all market conditions.

The Treasury’s core function includes Balance Management and Asset-Liability Management (ALM), which focus on statutory reserve compliance and liquidity management. The trading function covers Statutory Liquidity Ratio (SLR) and non-SLR securities, interest rate derivatives, and equities. The forex segment has been further strengthened by the recent AD1 license approval, enabling us to offer a full suite of foreign exchange services. The Treasury operates on advanced platforms such as Negotiated Dealing System - Order Matching (NDS-OM), Tri Party Repo Dealing System (TREPS), e-Kuber portal by RBI (e-Kuber), and Clearing Corporation of India Limited (CCIL), supported by a robust risk management framework. With a growing presence across fixed income, equity and FX markets, the Treasury remains central to driving Ujjivan’s financial stability and growth.

Performance Dashboard

₹ 14,825 Crores

Investment Portfolio

21 % YoY

Highlights of FY 2024-25

  • Received the ‘Treasury Strategy of the Year’ award at the India Treasury Summit & Awards, recognising our strategic excellence
  • Established a Non-SLR desk dealing in Certificate of Deposit (CDs), Commercial Papers (CPs), Corporate Bonds, and Equities
  • Obtained the AD1 license from the RBI, enabling us to offer a wide range of foreign exchange services

Opportunity Landscape

India's evolving financial landscape offers immense growth potential for mid-sized banks in the treasury segment. The rising demand for forex services, coupled with increasing participation in interest rate derivatives and secondary equity markets, presents significant opportunities for product diversification. At the same time, the deepening corporate bond market offers additional levers for yield optimisation and revenue expansion.

Outlook

In FY 2025-26, we aim to scale our operations to match the capabilities of universal banks. We plan to launch a full-service forex desk, introduce a derivatives platform for interest rate risk management, and expand into secondary equity market investments. Backed by team expansion, technology upgrades, and product diversification, these initiatives are designed to enhance efficiency, optimise returns, and capture emerging opportunities in the capital markets.

TASC
ESG