Ujjivan Small Finance Bank (USFB) Ltd., 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. The bank was incorporated as Ujjivan Small Finance Bank Limited on July 4, 2016 at New Delhi as a public limited company under the Companies Act, 2013, and was granted the certificate of incorporation by the Registrar of Companies, National Capital Territory of Delhi and Haryana (RoC). The bank’s Promoter, Ujjivan Financial Services Limited (UFSL) was granted the in-principle approval to establish a small finance bank (SFB), by the RBI, pursuant to its letter dated October 7, 2015. Subsequently, UFSL received the final approval for Bank to carry on the SFB business in India, pursuant to a letter dated November 11, 2016 issued by the RBI. The Bank commenced its business with effect from February 1, 2017 and was included in the second schedule to the RBI Act pursuant to a notification dated July 3, 2017 issued by the RBI.

Business area of the bank

The bank is a mass market focused small finance bank (SFB) in India, catering to unserved and underserved segments and committed to building financial inclusion in the country. The bank’s portfolio of products and services includes various asset and liability products and services. Its asset products comprise loans to micro banking customers that include group loans and individual loans, agriculture and allied loans, MSE loans, affordable housing loans, financial institutions group loans, personal loans, and vehicle loans. On the liability side, the bank offer savings accounts, current accounts and a variety of deposit accounts. In addition, it also provides non-credit offerings comprising ATM-cum-debit cards, Aadhaar enrolment services, distribute third party insurance products and point of sales (POS) terminals.

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Market Cap	5,844 Cr		EPS	3.0		High	31.1
Stock P/E	9.9		Net Profit Margin	NA		Low	29.65

Market Cap	5,844 Cr	ROE	-15.0%
P/E Ratio(TTM)	9.9	EPS(TTM)	NA
P/B Ratio	1.7	Dividend Yield	0.0%
Industry P/E	24.1	Book Value	18.0
		Face Value	10.0

UJJIVANSFB