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Ujjivan Small Finance Bank

Ujjivan Bank

Last Updated 20th May 2022

Product Interest Rate
Fixed Deposit 2.90% to 7.10%
Recurring Deposit 4.75% to 7.00%
Savings Account 4.00% to 7.00%
MCLR 15.90% to 16.50%
  • Ujjivan Small Finance Bank offers services like loans, deposits and savings account.
  • Earn high returns on deposits with Ujjivan Small Finance Bank.
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Ujjivan Bank

Ujjivan Small Finance Bank was set as a small finance bank as per the regulations made in the Union Budget of 2014-2015. In adherence to how a Small Finance Bank should function, Ujjivan Small Finance Bank is regulated by the Reserve Bank of India under the Banking regulations Act of 1949. The Bank was set to fulfil the needs of the population that has been unbanked and untouched by the commercial banking sector. The functionalities of the Small Finance Banks have been exclusively designed to fulfil the financial needs of the underprivileged masses, by providing basic activities like deposits and lending. Ujjivan Small Finance Bank provides various banking services to its customers like deposits, locker facilities, Insurance facilities, loans, and Internet Banking, among others.

About Ujjivan Small Finance Bank

The current CEO of Ujjivan Small Finance Bank is Mr. Nitin Chugh. Further, the registered address of the Ujjivan Bank is Grape Garden, No. 27, 3rd ‘A’ Cross, 18th Main, 6th Block, Koramangala, Bengaluru - 560 095, Karnataka.. In case of grievances, customers can contact the Bank’s compliance officer, Mr. Brajesh Joseph Cherian by mailing him at customercare@ujjivan.com or by calling on 080-40712121. In addition to that, to raise any further queries, the compliance officer can be reached out at Grape Garden, No. 27, 3rd ‘A’ Cross, 18th Main, 6th Block, Koramangala, Bengaluru - 560 095, Karnataka.

Ujjivan Small Finance Bank Loan

Ujjivan Bank offers both secured and unsecured loans to its customers, like Home loans, personal loans, car loans, and business loans at affordable interest rates. Ujjivan Small Finance Bank is accustomed to lend more than 75% of its Adjusted Net Credit for the priority sector. This includes lending funds to poor people for housing, lending to farmers for agriculture and allied activities, lending to micro and small industries, and lending to weaker sections of the society.

Loan products Feature
Personal Loan Unsecured loan offered on the basis of credit score to meet one’s personal expense.
Car Loan Secured loan offered for the purchase of a car, where the car acts as collateral.
Home Loan Secured loan offered for the purchase, renovation or construction of a house.
Gold Loan A secured loan where the borrower can mortgage their gold to borrow funds against it.
Business loan Loans offered to business units for undertaking business activities like purchase of plant and machinery, purchase of equipment, to undertake construction or to meet day to day expenses.

Ujjivan Bank Netbanking Registration and log in

To add more to the convenience of the customers, Ujjivan Small Finance Bank offers net banking facility to the customers. The bank’s digital banking platform is hassle-free and easy to use. All customers with savings or current accounts can have access to Ujjivan Small Finance Bank net banking or mobile banking platform. One can register for Ujjivan Small Finance Bank net banking by following the below-mentioned steps:

  • Go to the homepage of Ujjivan Small Finance Bank net banking or visit the web portal of Ujjivan Small Finance Bank.
  • On the home page, look out for the option ‘New user registration’ or a similar option.
  • Proceed further, and enter details like bank account number, branch details, registered mobile number, and click on ‘Submit.’
  • As you click on ‘submit’ a one time password is sent to the registered mobile number. Enter the OTP and click on ‘confirm.’
  • Clicking on ‘confirm’ will create your temporary login details with a temporary username. Users can create their password.
  • After creating the password login and creating your permanent username, and accept all terms and conditions.

Why Ujjivan Small Finance Bank?

The Ujjivan Small Finance Bank is a go-to-option when it comes to choosing the right bank for your banking needs because of the following reasons:

  • Ujjivan Small Finance Bank is a retail-focused and customer-centric bank.
  • Ujjivan Small Finance Bank offers a variety of loan products to fulfil the credit needs of different loan borrowers. These are a personal loan, car loan, home loan, gold loan, or business loan. The loans with Ujjivan Bank are offered with easier terms and conditions along with affordable interest rates.
  • Ujjivan Small Finance Bank offers different type of investment options that are tailor-made for different types of investors. The Bank offers various Fixed deposits products such as Regular Fixed Deposits, Ujjivan Small Finance Bank Tax Saver Fixed Deposits. Apart from fixed deposits, the Bank also offers a recurring deposit facility.
  • In addition, Ujjivan Small Finance Bank is a reliable and secure place to deal with when it comes to funding, as the bank is regulated directly by the RBI.
  • Lastly, Ujjivan Bank offers easy and quick banking services, through its online banking portal; thus, customers can check their account balance, apply for a loan, can make a deposit, and can perform other banking functions, from the comfort of their home.

FAQs

Is Ujjivan Small Finance Bank safe?

Similar to commercial banks, Ujjivan Small Finance Bank is safe and secure as it is regularized by RBI.

Can Ujjivan Small Finance Bank accept deposits?

Ujjivan Small Finance Bank is a small finance bank that was set to provide banking activities to the underprivileged people. This bank conduct basic banking activities like deposits and lending.

Is Ujjivan Small Finance Bank approved by RBI?

Ujjivan Small Finance Bank is approved by RBI under the Banking regulations Act of 1949. 

Is Ujjivan Small Finance Bank FD a safe option to invest?

Ujjivan Small Finance Bank provides fixed deposits investment facility to its customers. The Bank provides highest interest of 7.10% to its customers. The interest rate provided by Ujjivan Small Finance Bank is comparatively higher than any commercial bank. Also, the FDs are equally safe in this bank.

Can I take a loan from Ujjivan Small Finance Bank?

Yes, you can opt for a loan from Ujjivan Small Finance Bank. Ujjivan Bank provides loan products loans like home loan, personal loans and business loans, among others.


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Ujjivan Bank News - May 2022
  • 2022-05-13 : Ujjivan Small Finance Bank Profit Falls by 7% for Q4
    The bank has reported a 7 percent fall in its net profit to Rs 126.5 crore. Earlier, the bank had posted a net profit of Rs 136 crore in the same quarter of the preceding fiscal year 2020-21.
  • 2022-02-23 : Ujjivan Small Finance Bank Ties up with Hero MotoCorp
    Ujjivan Small Finance Bank has announced its tie-up with the worlds largest manufacturer of motorcycles and scooters to finance the purchase of a two-wheeler.
  • 2021-11-10 : Ujjivan Small Finance Bank Posted a Net Loss
    Ujjivan Small Finance Bank has posted an on-year net loss of Rs 274 crore in the July-September period. A year ago in the same period the bank posted a net profit of Rs 96 crore.
  • 2021-08-26 : Ujjawal Small Finance Bank revises fd interest by 0.50%
    Ujjawal Small Finance bank has revised interest rates on fixed deposits for general as well as senior citizens. Now, it offering interest for up to 6.50% for a tenure of 2 years 1 day to 3 years and for the same tenure, the senior citizens rate is 7.00%.
  • 2021-06-16 : Ujjivan Small Finance Bank collaborates with MoEngage
    Ujjivan Small Finance Bank has collaborated with customer engagement platform MoEngage to provide digital banking services in remote areas of the country. The aim is to build a wide presence of the bank with customers in the unserved regions through digital services.
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