Ujjivan Financial Services:

• One of the largest Micro Finance Institutions in India
• Operates in 24 States – Karnataka, Tamilnadu, West Bengal, Odisha, Delhi and Maharastra
• Started operations in Bangalore in FY 2005
• Currently serves : 32.78 Lakh active customers – through 469 branches & 8528 employees – across 209 districts.
• As on June 2016, Gross Loan Book : Rs.5850.90 Crores – with repayment track of 99.8%
• Product offerings:
• Micro Finance,
• Micro-Small-Medium (MSMe) Loan
• Agricultural and Animal husbandry finance
• Housing Finance
• MSMe and Housing Finance – are both secured and unsecured higher ticket size loans.
• Net Interest margins – 12.3% in FY 2016 Vs 11.6% in FY 2015
• Capital Adequacy ratio : 24% ended FY 2016
• In October 2016 – obtained Small finance bank (SFB) licence from RBI – along with Equitas.