Mission Statement, Vision, & Core Values (2026) of Ujjivan Small Finance Bank Limited.

From its 2017 founding to serving roughly 97 lakh customers across 26 states and union territories, Ujjivan Small Finance Bank has rapidly scaled a mission-driven model that blends growth with inclusion-boasting a gross loan book of ₹33,287 crore and a deposit base of ₹38,619 crore as of 30 June 2025, supported by 754 branches and 613 ATMs-while pursuing a Universal Banking License (applied February 2025) to widen its impact; this chapter peels back the layers of a bank that proclaims a mission to be a responsible mass-market bank focused on a "sustainable tomorrow," a vision to be a "best-in-class institution" with deeply embedded values, and core commitments to customer choice, integrity, responsible finance and community respect, with real-life metrics and cultural accolades (ranked 26th in India's Best Companies to Work for 2025) anchoring every strategic and social initiative-discover how these numbers, statements and values translate into measurable outcomes and everyday banking for underserved communities

Ujjivan Small Finance Bank Limited (UJJIVANSFB.NS) - Intro

• Deepening financial inclusion through branch and digital channels.
• Providing responsible credit and savings solutions tailored to customer cashflows.
• Maintaining strong risk management and governance while scaling reach.

• Customer-first: prioritize accessible, fair and transparent products.
• Integrity: uphold ethical conduct and regulatory compliance in operations.
• Inclusivity: design services for underserved populations and micro-entrepreneurs.
• Innovation: leverage digital channels and data for efficiency and scale.
• People-centric culture: invest in employee development and workplace wellbeing (reflected in workplace rankings).

• Portfolio diversification - expand beyond microloans into MSME, retail and housing segments while preserving asset quality.
• Deposit mobilization - enhance CASA and liability products to lower cost of funds (deposit base: ₹38,619 crore as of 30‑Jun‑2025).
• Branch-digital integration - use 754 branches and 613 ATMs plus digital platforms to deliver omnichannel experiences.
• Capital and regulatory readiness - pursue a Universal Banking License (application filed Feb 2025) to remove product and business constraints.
• Workplace excellence - sustain and scale employee engagement and talent management (ranked 26th in 2025 Great Place to Work® list).

• Prudent underwriting and vintage monitoring across a gross loan book of ₹33,287 crore.
• Conservative liquidity buffers supported by a ₹38,619 crore deposit base and branch network across 26 regions.
• Digital and data governance to reduce fraud, improve collections and enhance customer onboarding.

Ujjivan Small Finance Bank Limited (UJJIVANSFB.NS) - Overview

• Target customer base: unserved and underserved individuals, micro and small enterprises, low‑income households.
• Core approach: responsible mass‑market banking - combining scale with client protection, transparency, and prudent underwriting.
• Sustainability emphasis: integration of social and environmental considerations into lending, savings, and community initiatives.
• Financial inclusion initiatives: promoting financial literacy, digital onboarding, and last‑mile delivery through branches and BC networks.

• Branch and digital outreach to increase formal banking access in semi‑urban and rural clusters.
• Prudential portfolio growth with controlled credit costs and diversified product mix (microloans, MSME loans, affordable housing, retail lending).
• Improving deposit mix and CASA to lower funding cost and enhance balance sheet resilience.
• Community engagement programs tied to financial literacy, women's economic empowerment, and livelihood support.

• Microcredit portfolios with simplified documentation, group and individual lending models.
• Small business and MSME credit lines tailored to cash flow cycles and seasonal needs.
• Deposit products for low‑balance savers, recurring deposit schemes, and digital savings solutions to promote habit formation.
• Financial literacy camps, digital training, and partnerships with NGOs to improve uptake among first‑time bank users.

• Client protection principles embedded in product disclosures, pricing transparency, and grievance redressal mechanisms.
• ESG screening and lending policies that consider environmental risks for larger credit exposures.
• Commitment to stable governance with capital buffers and conservation of lending standards to sustain long‑term outreach.

Ujjivan Small Finance Bank Limited (UJJIVANSFB.NS) - Mission Statement

• Deliver universal banking services and inclusive credit to micro, small and medium enterprises (MSMEs), low-income households, and urban/rural customers.
• Embed ethical conduct, transparency and strong governance across operations.
• Scale responsibly via digital transformation and robust risk management.
• Develop employee capability and a culture of customer-first service.

• Consistent vision: long-term commitment to values-driven growth and high organizational standards.
• Digital expansion: investments in mobile banking, fintech partnerships and API-enabled services to reach more customers efficiently.
• Operational excellence: process automation, stronger collections and credit underwriting to improve productivity and asset quality.
• Universal Banking Licence ambition: broaden product suite (retail, SME, corporate segments) and deepen market presence.

• Customer-first ethos-products and processes designed around convenience, affordability and financial literacy.
• Integrity & governance-strong internal controls, compliance and transparent reporting.
• People development-training, frontline empowerment and meritocratic growth paths to retain talent.
• Technology & analytics-use of data-driven underwriting, digital onboarding and fraud prevention.
• Sustainable banking-focus on social impact lending, responsible credit and community engagement.

Ujjivan Small Finance Bank Limited (UJJIVANSFB.NS) - Vision Statement

• Customer-first orientation: prioritizing accessibility, fair pricing, and tailored solutions for low- and middle-income segments.
• Integrity and transparency: embedding ethical practices across lending, collections, vendor interactions, and disclosures.
• Responsible finance: designing products that balance financial inclusion with borrower protection and long-term sustainability.
• Community respect and engagement: driving livelihood, health, and financial literacy initiatives where the bank operates.
• Professionalism, teamwork, and innovation: fostering a culture that rewards collaboration, digital adoption, and continuous improvement.

• Being the customer's choice of institution - measured by branch-level satisfaction scores, digital adoption metrics, and retention rates.
• Integrity in all dealings - reflected in low complaint-to-account ratios and transparent pricing disclosures.
• Providing responsible finance - implementing affordability checks, interest-rate transparency, and financial-literacy outreach.
• Fairness with suppliers and service partners - standardized contracting, timely payments, and ethical procurement practices.