Ujjivan

Bengaluru, India Founded: 2005 • Age: 21 yrs Listed
Microfinance and banking services are provided to urban poor communities.
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About Ujjivan

Ujjivan is a publicly listed company based in Bengaluru (India) founded in 2005. Microfinance and banking services are provided to urban poor communities. Ujjivan has raised $238.31 million across 18 funding rounds from investors including Axis Bank, Northern Arc Capital and UTI Mutual Fund. The company has 24,370 employees. Its Indian entity Ujjivan Small Finance Bank Limited reported revenue of ₹6,086 Cr. Ujjivan offers products and services including Savings Account, Fixed Deposit, Home Loan, Gold Loan, and Micro Business Loan. Its focus areas include Microfinance, Microcredit and Sustainability Tech. Its competitors include ESAF, Satin Creditcare and Fincare Small Finance Bank; 3 of its 3 listed competitors have raised funding.

Company details

Ujjivan was founded in 2005 in Bengaluru, India. Financial services are delivered in the microfinance and banking sector, with emphasis on the urban poor. Loans are extended to support family welfare and economic stability. Operations include a mobile banking app where fingerprint login is enabled, fund transfers occur via IMPS, NEFT, and RTGS, bill payments are processed, fixed and recurring deposits are created, and account statements are accessed.

  • Headquarters Bengaluru, India
  • Employees 24,370
  • Stage Public
  • Sectors
    Financial Services
  • Email
    ••••••••
  • Phone
    •••• ••••
  • Website ujjivan.com
  • Social LinkedIn X
  • Legal Name Ujjivan Small Finance Bank Ltd.
Operational Areas
Financial Services → Microfinance
Key Metrics
  • Market Cap
    ₹11,407 Cr

    UJJIVANSFB · NSE

  • Share Price
    ₹59.24

    +1.42% today

  • Revenue
    ₹4,979 Cr

    FY 2025-26 · +11.1% YoY

  • Net Profit
    ₹693 Cr

    FY 2025-26 · -4.6% YoY

  • P/E (TTM)
    9.6x

    P/B 1.5x

  • ROE
    10.7%

    as on 06 Nov 2026

  • Total Equity Funding
    $238.31M (USD)

    in 18 rounds

  • Latest Funding Round
    $33.16M (USD), Series E

    Nov 2016

  • Investors
    Axis Bank

    & 27 more

  • Employee Count
    24,370

Products & Services of Ujjivan

Ujjivan offers a comprehensive portfolio of products and services, including Savings Account, Fixed Deposit, Home Loan, Gold Loan, and Micro Business Loan.

Savings Account
Banking Product

Account for personal savings and daily transactions

Fixed Deposit
Investment Product

Secure investment option with fixed returns over time

Home Loan
Loan Product

Financing for home purchase or construction needs

Gold Loan
Loan Product

Loan against gold assets for quick funds

Micro Business Loan
Loan Product

Small loans to support business growth and operations

Funding Insights of Ujjivan

Ujjivan has successfully raised a total of $238.31M across 18 strategic funding rounds. The most recent funding activity was a Series E round of $33.16 million completed in November 2016. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.

  • Total Funding $238.31M
  • Total Rounds 18
  • Last Round Series E — $33.16M
  • First Round $160,716

    (Aug 2005)

  • Investors Count 28

Latest 10 of 18 funding rounds of Ujjivan with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.

DateAmountTransaction NameValuationLead InvestorsInvestors
Nov 2016$33.16MSeries E––
–
Feb 2016$45.42MSeries E–HDFC Life, Bajaj Allianz General Insurance
Shriram Life Insurance, Kotak Mahindra Bank
Feb 2016$7.37MSeries E–Shriram Life Insurance
–
Dec 2015$7.45MDebt – Conventional––
Northern Arc Capital, UTI Mutual Fund
May 2015$15.5MDebt – Conventional––
HSBC
Mar 2015$95.92MSeries E––
Newquest, Bajaj Auto
Jan 2015$6.43MDebt – Conventional––
Oikocredit
Sep 2014$20.29MDebt – Conventional––
SIDBI
Sep 2013$7.79MDebt – Conventional––
Oikocredit
Sep 2012$8.88MSeries D–IFC
FMO
Valuation history

28 investors in total: 28 institutional.

Investors in Ujjivan

Ujjivan has secured backing from 28 investors, including institutional and venture fund investors. Prominent investors backing the company include Axis Bank, Northern Arc Capital and UTI Mutual Fund.

All
Venture Fund
Institutional
InvestorDescriptionFounded YearDomainLocation
International Finance Corporation
IFC is focused on private sector development in emerging markets.
1956ifc.org
FMO
Development financing is provided for entrepreneurial ventures in emerging markets.
1970fmo.nlThe Hague, Netherlands
Wolfensohn Capital Partners
PE firm investing in India
2005wolfensohn.comNew York, United States
Lok Capital
Investment firm focusing on tech-enabled enterprises in social and environmental sectors.
2002lokcapital.comGurugram, India
Sequoia Capital
Sequoia Capital is engaged in venture capital investments.
1972sequoiacap.com
Elevar Equity
Investing in early growth for inclusive businesses in education, healthcare, and e-commerce.
2006elevarequity.comBengaluru, India
Developing World Markets
Impact investing through credit and equity strategies in developing regions, focusing on social and environmental benefits.
dwmarkets.com
Unitus
Venture capital is directed toward social impact investments.
unitus.comSeattle, United States
Caspian
Impact investments are managed by the B Corp-certified firm.
caspian.inHyderabad, India
Newquest
Private equity secondary market investments are managed diversely.
2011nqcap.comHong Kong, China
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Investor details for Ujjivan

The complete investor list, round-by-round participation and investor portfolios require an active premium plan.

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  • Round participation
  • Investor portfolios
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Verified entity values are shown only after access is granted.

Board of directors of Ujjivan Small Finance Bank Limited (Ujjivan)

Ujjivan Small Finance Bank Limited is the primary company behind Ujjivan. The boards of the 2 registered companies of Ujjivan currently have 15 directors; the longest-serving is Kuttalam Rajagopalan Ramamoorthy, appointed in 2004. 66 earlier directors have ceased.

DirectorDesignationAppointedTenureEntity
Kuttalam Rajagopalan Ramamoorthy
DIN 00058467
Director28 Dec 200421 yrs 10 moUjjivan Financial Services Limited
Narayan Anand
DIN 02110727
Director01 May 20197 yrs 6 moUjjivan Financial Services Limited
Samit Kumar Ghosh
DIN 00185369
Director01 Apr 20206 yrs 7 moUjjivan Financial Services Limited
Rajni Anil Mishra
DIN 08386001
Director16 Dec 20205 yrs 10 moUjjivan Small Finance Bank Limited
Sunil Vinayak Patel
DIN 00050837
Director11 Feb 20215 yrs 8 moUjjivan Financial Services Limited
Rajesh Kumar Jogi
DIN 03341036
Director13 Mar 20215 yrs 7 moUjjivan Small Finance Bank Limited
Ravichandran Venkataraman
DIN 02064557
Director20 Aug 20215 yrs 2 moUjjivan Small Finance Bank Limited
Sudha Suresh
DIN 06480567
Director20 Aug 20215 yrs 2 moUjjivan Small Finance Bank Limited
Banavar Anantharamaiah Prabhakar
DIN 02101808
Director20 Aug 20215 yrs 2 moUjjivan Small Finance Bank Limited
Renzo Christopher Viegas
DIN 07560087
Director17 Dec 20214 yrs 10 moUjjivan Financial Services Limited
Subramanian Shashidhara
DIN 07491434
Company Secretary15 Feb 20224 yrs 8 moUjjivan Financial Services Limited
Ravi
DIN 02679809
CFO19 Apr 20224 yrs 6 moUjjivan Financial Services Limited
Carol Kripanayana Furtado
DIN 07587305
Whole-time director01 May 20242 yrs 6 moUjjivan Small Finance Bank Limited
Mona Kachhwaha
DIN 01856801
Director18 May 20242 yrs 5 moUjjivan Small Finance Bank Limited, Ujjivan Financial Services Limited
Aniruddha Paul
DIN 00928375
Director22 Jan 20269 moUjjivan Small Finance Bank Limited

People of Ujjivan

463 people are tracked at Ujjivan (107 in leadership, 356 in team); the tracked headcount is 24,370.

NameRoleGroup
Prakash Mahapatro
Chief Manager - Talent AcquisitionLeadership
Pradeep Karmodiya
Chief Manager - Credit HousingLeadership
Subrata Sasmal
Regional Head TASC & Govt BusinessLeadership
Vivekanand Singh
Cluster Head Third Party Product's ( Avp)Leadership
Balakrishna Kamath
Chief Financial OfficerLeadership
Krishnan M
Regional Sales Manager (cluster Head)Leadership
Harshul Khandelwal
Assistant Vice President - MSME ProductLeadership
Pampilly Martin
Chief Operating OfficerLeadership
Girish Gaikwad
Cluster Head - TASC & Government BusinessLeadership
Uden Bhutia
Vice President - Brand And MarketingLeadership
Gyanvendar Nath Mishra
Regional Head | North Region Business | - Business Correspondents & Partnership.Leadership
Shashank Mishra
State Sales Head -branch Banking -up,uk,mp,cg & Rajasthan.Leadership
Murali Chari
Business Head- Rural BankingLeadership
Hiten Patel
Area Head - AVP - Gold LoanLeadership
Vikram V
Cluster Head - AVPLeadership
Lakshman Velayutham
Chief Marketing OfficerLeadership
Dileep Gouda
Assistant Vice President - Product Management Housing LoansLeadership
Chandralekha Chaudhuri
Head Of Human ResourcesLeadership
Vijesh Panicker
Cluster Head - Branch BankingLeadership
Barun Agarwal
Deputy Chief Financial OfficerLeadership

443 more people are available in the full profile.

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Complete people profiles for Ujjivan

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IPO & Listings of Ujjivan

Ujjivan is a publicly listed company on the NSE with ticker symbol UJJIVANSFB in India, operating in the Finance sector. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.

  • IPO date12 Dec 2019
  • Listed onNSE: UJJIVANSFB · BSE: 542904
  • Listed entityUjjivan Small Finance Bank Ltd.
  • Exchange sectorFinance
  • ISININE551W01018
  • Share price₹65.18 (-0.11% on the day) · 2026-10-14
  • Market capitalisation₹12,674 Cr
  • Price to earnings14.2
  • EPS (diluted, trailing year)₹4.59
  • Volume (last session)5,407,162

Financials of Ujjivan

Exchange-reported figures of Ujjivan Small Finance Bank Limited, the listed company behind Ujjivan (NSE: UJJIVANSFB).

Financial Highlights

FY 2025-26 · Standalone
Revenue
₹4,979 Cr
+11.1% YoY
EBITDA
-
Profit After Tax
₹693 Cr
-4.6% YoY
Net Worth
₹6,816 Cr
+12.0% YoY
Total Assets
₹57,564 Cr
+20.6% YoY
Total Debt
₹49,404 Cr
+22.1% YoY

Revenue vs Net Profit ₹ Cr

Margin trends

Financial summary ₹ Cr

MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Income statement
Revenue4,9794,4824,1963,2872,1332,0311,956
Revenue growth+11.1%+6.8%+27.7%+54.1%+5.1%+3.8%-
Profit before tax9119421,7021,467(550)10.21466
Net profit6937261,2811,100(415)8.31350
Balance sheet
Total assets57,56447,71440,44033,32723,61820,39118,421
Net worth6,8166,0835,6144,2092,8033,2193,188
Total debt49,40440,47633,63328,17920,05616,38314,734
Cash & bank3,4443,1702,5372,4842,1762,5781,343
Cash flow
Cash from operations1,8432,0281,5931,0602,5542,657242
Cash from investing(2,481)(1,793)(865)(2,096)(841)(1,356)(757)
Cash from financing911398(519)1,186(1,484)(706)776
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue1,5441,4431,4001,2961,1781,1051,1341,059
Revenue growth (YoY)+31.1%+30.6%+23.4%+22.4%+2.4%-3.0%--
Other income296256307295256249270172
Depreciation0.000.000.000.000.000.000.000.00
Profit before tax49142137124416013695.26136
Tax12610488.7858.7438.5632.3211.8727.75
Net profit36531728218612210383.39109

Financial Statements

Figures in ₹ Cr; negatives in brackets. Updated 07 Nov 2026
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue1,5441,4431,4001,2961,1781,1051,1341,059
Revenue growth (YoY)+31.1%+30.6%+23.4%+22.4%+2.4%-3.0%--
Other income296256307295256249270172
Depreciation0.000.000.000.000.000.000.000.00
Profit before tax49142137124416013695.26136
Tax12610488.7858.7438.5632.3211.8727.75
Net profit36531728218612210383.39109
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Revenue4,9794,4824,1963,2872,1332,0311,956
Revenue growth+11.1%+6.8%+27.7%+54.1%+5.1%+3.8%-
Other income1,108846787589360302322
Depreciation14513598.2990.2880.4476.8072.63
Profit before tax9119421,7021,467(550)10.21466
Tax218215421367(136)1.90116
Net profit6937261,2811,100(415)8.31350
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Equity & liabilities
Share capital1,9431,9355192,1551,9281,9281,928
Reserves & surplus4,7764,0593,6102,0038321,2471,238
Shareholders' funds (net worth)6,8166,0835,6144,2092,8033,2193,188
Secured loans3,7362,8452,1712,6411,7643,2473,953
Unsecured loans45,66837,63031,46225,53818,29213,13610,780
Total debt49,40440,47633,63328,17920,05616,38314,734
Total liabilities57,56447,71440,44033,32723,61820,39118,421
Assets
Investments12,72411,7309,7668,5104,1532,5162,396
Cash & bank balances3,4443,1702,5372,4842,1762,5781,343
Loans & advances1,142968828761737522338
Total assets57,56447,71440,44033,32723,61820,39118,421
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Opening cash3,1572,5242,3142,1631,9341,3391,078
Net cash from operating activities1,8432,0281,5931,0602,5542,657242
Net cash from investing activities(2,481)(1,793)(865)(2,096)(841)(1,356)(757)
Net cash from financing activities911398(519)1,186(1,484)(706)776
Net change in cash274633210150230595261
Closing cash3,4443,1702,5372,4842,1762,5781,343
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Growth
Sales growth+11.1%+6.8%+27.7%+54.1%+5.1%+3.8%-
Net income growth-4.6%-43.3%+16.5%+365.3%-5088.9%-97.6%-
Profitability & leverage
Return on net worth+10.7%+12.4%+26.6%+32.7%0.0%+0.3%+14.6%
Efficiency & per share
EPS (₹)3.573.7524.705.52(2.40)0.051.95
Dividend per share (₹)0.000.001.501.250.000.000.00

Timeline of Ujjivan

4 dated milestones of Ujjivan across 14 years, from founding to its latest funding, stage changes and deals.

  1. Founded Ujjivan is founded.
  2. Funding First funding round of $161K.
  3. Funding Latest funding round, Series E, of $33.2M.
  4. IPO Lists on the stock exchange (IPO).

Competitors of Ujjivan

Ujjivan has 3 listed competitors in our database, 3 of them funded. They include ESAF, Satin Creditcare and Fincare Small Finance Bank.

Company NameDomainFoundedHQ LocationTotal fundingEmployeesDescription
ESAF
esafbank.com1992Thrissur, India$101.74M6,194
Microfinance banking services are offered in India by ESAF.
Satin Creditcare
satincreditcare.com1990Delhi, India$40M15,350
Micro loans for businesses are offered by this NBFC.
Fincare Small Finance Bank
fincarebank.com2007Bengaluru, India$174.84M12,894
Micro-finance bank
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Detailed competitors of Ujjivan

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Web traffic of Ujjivan

The website of Ujjivan (ujjivan.com) receives about 9.1K visits a month.

  • Monthly visits
    9.1K

    ▼ 63% vs previous month

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29K#477,922View details
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basixindia.com
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Microfinance India
microfinanceindia.org
98%
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cfsinnovation.com
cfsinnovation.com
97%
–
••••••••••••••••.com••%•.•M#•••••–
••••••••••••••••.com••%•.•M#•••••–
••••••••••••••••.com••%•.•M#•••••–
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All 13 similar websites and full traffic analytics for Ujjivan

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Top companies in Microfinance

3 companies that operate in the same segment as Ujjivan (Microfinance) in India, ranked by their profile score on The Company Check.

CompanyDescriptionFoundedLocationTotal fundingRevenueEmployees
ESAF
Microfinance banking services are offered in India by ESAF.
1992Thrissur, Kerala, IndiaUSD 101.74 MUSD 474.19 M12,520
Satin Creditcare
Micro loans for businesses are offered by this NBFC.
1990Delhi, Delhi, IndiaUSD 40 MUSD 310.26 M752
Fusion Microfinance
Provider of microloans
2010Delhi, Delhi, IndiaUSD 71.68 M12,403
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Related news about Ujjivan

Ujjivan Small Finance Bank: HSBC on Ujjivan Small Finance Bank Maintains Buy, Target Price ₹90; Q2FY27 PAT beat estimates by 14%, and management expects to exceed FY27 RoA guidance; raises FY27–29 PAT estimates by 9–17% on stronger AUM growth, efficiency gains and the preferential issue. New CEO appointment is expected to take 3–4 months from September 1, 2026.
Exchange Update • 19 days ago
Ujjivan Small Finance: Approves New Issue Of 6,31,91,619 Equity Shares At ₹64.73 Each To Raise About ₹409.04 Crores; Investments From IFC, Bajaj Life, Aditya Birla, And HDFC Life Included; EGM Set For November 13, 2026.
Exchange Update • 22 days ago
UJJIVANSFB: Q2 SL NET PROFIT 3.6B RUPEES VS 1.2B (YOY); EST 3.13B
Exchange Update • 22 days ago
UJJIVANSFB: Q2 GNPA 2.1% VS 2.16% (QOQ); Q2 NNPA 0.31% VS 0.34% (QOQ)
Exchange Update • 22 days ago
UJJIVANSFB: Q2 REVENUE 21.5B RUPEES VS 16.8B (YOY)
Exchange Update • 22 days ago
UJJIVAN SMALL FINANCE: Q2 ROA 2.4% VS 2.2% (QOQ); FY27 GUIDANCE OF 2.-2.2%
Exchange Update • 22 days ago
UJJIVAN SMALL FINANCE: Q2 FRESH SLIPPAGES AT 3.5B RUPEES VS 1.7B (QOQ)
Exchange Update • 22 days ago
Ujjivan Small Finance Bank: Board Will Review Fundraising Through Equity Offering.
Exchange Update • 25 days ago
Ujjivan Small: Company Increases FY27 Credit Cost Forecast To 2.0-2.2% || FY27 ROA Forecast Raised Due To Record PPOP || Management Expects No Yield Pressure In FY27
Exchange Update • 1 month ago
JM Financial flags Irdai insurance reforms; L&T Finance, Axis Bank, Bajaj Finance among stocks in focus - BusinessToday
Business Today • 1 month ago
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Frequently Asked Questions about Ujjivan

Ujjivan was founded in 2005.

Ujjivan is headquartered in Bengaluru, India. It is registered at Bengaluru, Karnataka, India.

Ujjivan is a funded company, having raised a total of $238.31M across 18 funding rounds to date. The company's 1st funding round was a Series D of $8.88M, raised on Aug 2005.

Ujjivan has 24,370 employees.

The primary company behind Ujjivan, Ujjivan Small Finance Bank Limited, reported revenue of ₹6,086 Cr for FY 2026, up 11% year on year.

Ujjivan was founded in 2005 in Bengaluru, India. Financial services are delivered in the microfinance and banking sector, with emphasis on the urban poor. Loans are extended to support family welfare and economic stability. Operations include a mobile banking app where fingerprint login is enabled, fund transfers occur via IMPS, NEFT, and RTGS, bill payments are processed, fixed and recurring deposits are created, and account statements are accessed.

Ujjivan's top competitors include ESAF, Satin Creditcare and Fincare Small Finance Bank.

Ujjivan offers Savings Account, Fixed Deposit, Home Loan, Gold Loan, and Micro Business Loan.

Yes, Ujjivan is publicly traded on NSE under the ticker symbol UJJIVANSFB.

Ujjivan has 28 investors. Key investors include Axis Bank, Northern Arc Capital, UTI Mutual Fund, HSBC, and Kotak Mahindra Bank.

Ujjivan is associated with 2 legal entities: Ujjivan Small Finance Bank Limited, Ujjivan Financial Services Limited.

The legal entities of Ujjivan currently have 17 directors, including Rajesh Kumar Jogi, Ravichandran Venkataraman, Sudha Suresh and others.

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