• After a muted first half due to the second COVID wave, business revived in the second half of the fiscal, with the implementation of the two 100-day plans. Collections improved, leading to better credit parameters; disbursement and deposit mobilisation picked up pace, and attrition stabilised.
• We retained our primary focus of lending to existing customers, with good repayment track record, while customer acquisition gradually built up in promising geographies.
• Our loan book grew steadily across segments: affordable housing business book grew by 33%, with the total number of customers crossing 30,000 during the year; MSE loans grew by 33%, and financial institutions lending grew by 32%.
• New products like term loan, overdraft and cash credit facility, were launched under the Credit Guarantee Trust for MSE scheme (CGTMSE); and cash credit/OD facilities were introduced for FIG customers.

• Deposits book recorded 39% y-o-y growth. Of this, retail deposits witnessed significant growth, closing at ₹9,921 Crores, constituting 54% of total deposits accumulated till March 31, 2022.
• CASA grew by 85% y-o-y, closing at 27% of the total deposit book as on March 31, 2022.
• Institutional business, comprising deposits from financial institutions, along with trusts, associations, societies and clubs (TASC) grew by 21% y-o-y.
• New, customer-friendly products were launched including the Classic Savings Account, which offers a higher cash deposit limit and free unlimited withdrawal at any Ujjivan SFB branch, and also ‘BusiMoni OD,’ a collateral free overdraft facility for the existing Current Account holders and New to Bank(NTB) customers.

• Expanded the capabilities of the API stack base to cater to a wider range of use cases from the fintech industry, with the total number of APIs standing at 169.
• Digital penetration has increased steadily with 16.4 Lakhs of unique customers registered on our mobile banking and UPI platforms, as on March 2022. We had 5 lakh+ unique customers in FY22.
• Launched Ujjivan Pay QR solution for merchants.
• Further strengthened digital collection network by Partnering with "Spicemoney" to further strengthen our already strong digital collection network. 18% of collection were made digitally during FY22.

• Certified as a Great Place to Work for 12th year in a row; and One of the Best in SFB segment.
• 'Doctor on Call' and 'Doctor on Premise' services were extended to employees to ensure that proper advice was easily accessible.
• Launched Ujjivan Sanjeevani Kavach, a vaccination drive to protect the community members in the geographies we operate; vaccinated 80,000+ beneficiaries through our branch-led camps in association with local government authorities.

Quick Response Team (QRT), which acted as the Bank’s COVID taskforce, reviewed the latest government guidelines and evolving situations at our branches and other offices, and released advisories to ensure that there was full compliance, with applicable guidelines and local rules.