Bond Issuer
Ujjivan Small Finance Bank Ltd
Ujjivan Small Finance Bank Limited (USFBL) based in India is a mass market Small Finance Bank focused on building financial inclusion in the country. It focuses on catering to unse…
Issuer Overview
Ujjivan Small Finance Bank Limited (USFBL) based in India is a mass market Small Finance Bank focused on building financial inclusion in the country. It focuses on catering to unserved and underserved segments.
About Company
USFBL is a fast-growing organisation and has successfully maintained its growth since its inception. The growth of the organisation is evident through its geographical expansion, effective operationalization of Banking Outlets, improved productivity, lower credit cost, and continued growth in its customer database.
Business Overview
Ujjivan Small Finance Bank Limited's asset product portfolio comprises Agriculture and allied loans, MSE loans, Personal loans, affordable housing loans, Loans to micro banking customers that include group loans and individual loans, and vehicle loans.
Key Highlights
- Small finance bank with microfinance roots
- Focus on underserved and mass-market customers
- Listed banking franchise
Credit Rating
Investment grade SFB ratings (verify latest)
Industries Served
- Microfinance
- Affordable Housing
- MSE Banking
- Retail Deposits
Strengths
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- Ujjivan Small Finance Bank for the quarter ended 30-09-2022 has reported Rs. 1,139.83 Crore as a Standalone Total Income. It is 13.94 % more than the last quarter’s total income of Rs. 1,000.42 Crore.
- Ujjivan Small Finance Bank has a stable credit rating
- RBI has listed Ujjivan Small Finance Bank in the Scheduled Banks
- Ujjivan Small Finance Bank IPO price may be considered for the potential investors
Risk Factors
- Microfinance and unsecured credit cycles
- Geographic concentration in key states
- Funding-cost and regulatory requirements for SFBs
Why Invest
- UFSL, the promoter, started its operations in 2005 as a non-banking financial company (NBFC) with the aim of providing financial services to the economically poor segment that was neglected by other financial institutions.
- In order to better serve this segment, UFSL received RBI's In-Principle Approval to establish a Small Finance Bank, leading to the incorporation of Ujjivan Small Finance Bank Limited as a wholly-owned subsidiary.
- Ujjivan Small Finance Bank Limited offers a comprehensive range of assets and liability products to meet the financial needs of unserved and underserved segments of the population.
- The portfolio of Ujjivan Small Finance Bank Limited includes various services, reflecting its commitment to addressing the diverse financial requirements of its customers.
- Search Ujjivan’s IPO if available for trade using the name of the company, ISIN, or Security name
Financial Snapshot
- Segment
- Small Finance Bank
- Focus
- Inclusive Banking
FAQs
Ujjivan Small Finance Bank has a countrywide presence and is spread in over 208 districts in 24 states and union territories in India.
The company must have served over 2.77 million customers till date.
Ujjivan Small Finance Bank has over 468 branches within India.
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Disclaimer
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