About Ujjivan Small Finance Bank Ltd
Ujjivan Small Finance Bank Limited delivers a wide spectrum of banking and financial services throughout India. Its operations are divided into three main segments: Treasury, Retail Banking, and Corporate/Wholesale Banking. The bank offers various deposit options, such as current, savings, salary, and Non-Resident Indian (NRI) accounts, in addition to fixed, recurring, TASC fixed, and tax-saver fixed deposits. Its comprehensive lending portfolio includes group-based financing for business, family, agriculture, education, top-up, emergency, and loyalty purposes. Individual borrowers can secure loans for personal businesses, livestock, agriculture, market ventures, and home improvements, including open market options. Furthermore, the bank provides credit for housing, vehicles, and gold-backed loans. For micro and small enterprises, Ujjivan's offerings extend to loans against property (LAP), secured enterprise and business loans, overdrafts against property, business edge term loans and overdrafts, loans against rent receivables, the emergency credit line guarantee scheme, personal loans, and financing for financial institutions. Beyond traditional banking, the institution facilitates digital transactions through mobile, phone, internet, SMS, and missed call banking services. It also issues both debit and credit cards and offers an extensive array of insurance products, including credit life, endowment, term, participating (PAR), point-of-sale (POS), unit-linked (ULIP), motor vehicle, property, home contents, health, and personal accident coverage. Additionally, the bank engages in retail foreign exchange services and trade finance. Founded in 2016 and headquartered in Bengaluru, India, Ujjivan Small Finance Bank Limited functions as a subsidiary of Ujjivan Financial Services Limited.
