
Ujjivan Small Finance Bank

Working at Ujjivan Small Finance Bank
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5% above

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About Ujjivan Small Finance Bank

Ujjivan Small Finance Bank (USFB) Limited is among the leading small finance banks in the country. As a mass market bank, it remains committed to serve the unserved and underserved segments through financial and digital inclusion. We are now a one-stop destination for financial services and offer personalised customer experience to our wide customer base. With technology as a key enabler, Ujjivan Small Finance Bank continues to expand its reach and enhance customer experience. The strengthened digital interfaces, across regions and languages has empowered our customers to seek timely and easy access to finance; at all times. This has further enabled the Bank to deepen its customer connect across diverse locations. As a ‘Responsible Bank’ we stay invested in creating a sustainable social impact through community development and financial literacy initiatives.
Ujjivan Financial Services Limited (UFSL) commenced operations as an NBFC in 2005, with the mission to provide a full range of financial services to the ‘economically active poor’ who were not adequately served by financial institutions. On receipt of License from RBI, UFSL set up Ujjivan Small Finance Bank (USFB) and USFB commenced its Banking operations from February 1, 2017. We are a ‘scheduled bank’ included in the Second Schedule to the Reserve Bank of India Act, 1934 and a listed Entity. Our IPO in 2019 was oversubscribed 170 times, and it was widely considered to be the best IPO in the last four years across the banking and financial services sector.
The Bank has a Pan-India presence, with over 89 lakh customers, 752 banking touchpoints across 326 districts, 26 states and Union Territories, Our convenient alternative channels and digital footprint across internet banking, mobile application, tablet-based origination and phone banking among others, provide 24x7 access to full services of the Bank.

ABECA - AmbitionBox Employee Choice Awards





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Overall Rating | 4.0/5 based on 6k reviews | 4.0/5 based on 42.3k reviews | 3.8/5 based on 44.1k reviews | 3.7/5 based on 28.6k reviews ![]() |
Highly Rated for | Company culture Skill development Work-life balance | Job security Skill development Work-life balance | Job security Skill development | ![]() No highly rated category |
Critically Rated for | ![]() No critically rated category | ![]() No critically rated category | Promotions | Promotions |
Primary Work Policy | Work from office 85% employees reported | Work from office 91% employees reported | Work from office 84% employees reported | Work from office 79% employees reported |
Rating by Women Employees | 3.8 Good rated by 833 women | 3.9 Good rated by 11.2k women | 3.7 Good rated by 9.5k women | 3.6 Good rated by 6.2k women |
Rating by Men Employees | 4.1 Good rated by 4.9k men | 4.0 Good rated by 29.3k men | 3.9 Good rated by 32.5k men | 3.7 Good rated by 21.3k men |
Job security | 3.9 Good | 4.1 Good | 4.0 Good | 3.7 Good |
Ujjivan Small Finance Bank Salaries
Credit Officer

Branch Manager

Sales Officer

Relationship Manager

Customer Relation Officer

Customer Relationship Manager

Loan Officer

Branch Operation Officer

Customer Relationship Officer

Assistant Customer Relationship Manager

Ujjivan Small Finance Bank Interview Questions
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Ujjivan Small Finance Bank News
Private banks see deposits outpacing credit growth in Q1; PSBs fare better
- Private banks like HDFC Bank witnessed a 7% year-on-year growth in advances and a 16% increase in deposits in Q1FY26.
- HDFC Bank’s credit growth was slower than expected, despite management's projection of industry-matching growth for the fiscal year. The bank securitised loans worth ₹3,300 crore to reduce its credit-deposit ratio.
- Mid-sized private banks such as Bandhan Bank, RBL Bank, AU Small Finance Bank, and Ujjivan SFB experienced a higher growth in deposits compared to credit in the first quarter.
- Public sector banks, including Bank of Baroda, Bank of India, and Bank of Maharashtra, achieved stronger credit growth in Q1 due to favorable credit-deposit ratios and excess liquidity ratios.

Savings Account vs Fixed Deposits: Which Is Better in 2025?
- In 2025, the debate between Savings Accounts and Fixed Deposits (FDs) remains prevalent for individuals looking to grow their savings while avoiding risks.
- Savings Accounts offer up to 7.5% interest rates, instant access, and digital banking support, making them a basic yet evolving financial tool in many Indian households.
- On the other hand, Fixed Deposits are favored by those seeking guaranteed returns and capital protection, especially with improved digital processes and attractive interest rates from banks like Ujjivan SFB.
- The choice between a Savings Account and an FD depends on individual financial goals, with Ujjivan SFB offering products that merge convenience and performance through features like auto sweep-in FDs for enhanced returns and liquidity.

JSPL, Phoenix Mills, Federal Bank, Bandhan Bank, Star Health, Ujjivan SFB & More Q4 Review: HDFC Securities
- HDFC Securities recommends 'Buy' rating for Jindal Steel, Phoenix, Federal Bank and 'Reduce' call for Bandhan Bank, Shoppers Stop
- They also suggest an 'Add' rating for Star Health and Ujjivan SFB
- Federal Bank's Q4 FY25 earnings were in line with estimates with strong fee income and lower credit costs offset by lower growth on both sides of the balance sheet
- Deposit growth for Federal Bank was lower than expected, while the CASA ratio remained stable at 30.2%

Sentiment Likely To Turn Positive For MFIs; Banks Better Placed, Says HSBC
- Microfinance institutions that have been under stress due to overleveraging of borrowers for few months are witnessing a turnaround in sentiment on the back of better collections and higher disbursements in February, HSBC Research said in a note.
- According to HSBC's research, X bucket collection efficiencies in most Indian states other than Karnataka have increased to 98.5-99.5% in February. X bucket represents accounts without any overdue as at the end of the previous month.
- The improvement in collection efficiency has led to a reduction in high employee attrition rates over the last year.
- CreditAccess Grameen, Equitas Small Finance Bank, and Ujjivan Small Finance Bank are considered better placed in the Microfinance Institutions (MFI) sector, with higher potential loan growth and more earnings resilience.

Tech Query: What is the outlook for Federal Bank, Swan Energy, ITI, Ujjivan Small Finance Bank?
- Federal Bank: Stock is in a long-term uptrend with support at ₹170. Immediate target is around ₹240-250.
- Swan Energy: Stock has a bearish outlook with strong resistance at ₹480-490. It can fall to ₹360 and possibly ₹325.
- Ujjivan Small Finance Bank: Stock is in a downtrend with support at ₹30. A breakout above ₹41 could lead to a rise towards ₹50-55.
- ITI: Stock has room for a fall to ₹230-220, with support at ₹215-225. A bounce from there could lead to a rise towards ₹300-330.

Ujjivan Small Finance Bank Share Price Rises After Selling Bad Loans
- Ujjivan Small Finance Bank's share price rose 2.40% to Rs 32.90 apiece as the bank sold its stressed loan portfolio to an asset reconstruction company.
- The small finance bank sold the loan portfolio worth Rs 364.51 crore, at Rs 34.26 crore, marking a 91% haircut.
- Ujjivan Small Finance Bank's share price erased gains and traded 0.44% lower at Rs 31.99 apiece as of 9:23 a.m.
- Out of 16 analysts tracking the company, 14 maintain a 'buy' rating, one recommends a 'hold' and one suggests 'sell', according to Bloomberg data.

Stocks To Watch Today: IIFL Finance, Piramal Enterprises, Dalmia Bharat, NCC, Indian Overseas Bank
- IIFL Finance, Piramal Enterprises, Dalmia Bharat, NCC, Indian Overseas Bank are some stocks to watch today.
- Other stocks to watch include RailTel, Ujjivan Small Finance Bank, MSTC, Vishnu Prakash R Punglia, and Aurobindo Pharma.
- IIFL Finance approved the issuance of secured, rated, redeemable debentures through a private placement.
- Piramal Enterprises received a GST demand of Rs 1,502 crore from the Maharashtra tax authority.

Ujjivan Small Finance Bank Takes 91% Haircut On Rs 364 Crore Bad Loan Sale
- Ujjivan Small Finance Bank completed the sale of its non-performing assets and written-off loans worth Rs 364.51 crore to an asset reconstruction company (ARC) for a cash consideration of Rs 34.26 crore.
- The bank reported a 64% YoY decline in profit to Rs 109 crore for the three months ended December.
- The net interest income of Ujjivan Small Finance Bank increased by 3% to Rs 887 crore on an annual basis.
- Shares of the bank closed 1.50% lower at Rs 32.13 apiece on the National Stock Exchange.

RBI imposes ₹68 lakh penalty on two banks
- RBI has imposed a penalty of ₹61.40 lakh on Nainital Bank Ltd for non-compliance with certain directions.
- RBI has also imposed a penalty of ₹6.70 lakh on Ujjivan Small Finance Bank for non-compliance with certain directions.
- Additionally, RBI has levied a penalty of ₹5.80 lakh on Shriram Finance, a non-banking entity, for non-compliance with certain provisions.
- These penalties are based on deficiencies in regulatory compliance and do not indicate the validity of any transaction or agreement with customers.
RBI Imposes Total Penalty Of Rs 68 Lakh On Nainital Bank, Ujjivan Small Finance Bank
- The Reserve Bank of India (RBI) has imposed a penalty of Rs 61.40 lakh on Nainital Bank for non-compliance with certain directions on 'Interest Rate on Advances' and 'Customer Service in Banks'.
- RBI has also imposed a penalty of Rs 6.70 lakh on Ujjivan Small Finance Bank for non-compliance with certain directions on 'Loans and Advances - Statutory and Other Restrictions'.
- Additionally, RBI levied a penalty of Rs 5.80 lakh on Shriram Finance for non-compliance with certain provisions, including Know Your Customer (KYC) guidelines and directions on 'Data format for furnishing of credit information to credit information companies'.
- The penalties are based on the deficiencies in regulatory compliance and are not intended to pronounce upon the validity of any transaction or agreement.


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