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24 states 450+ branches 7600+ employees
Everyone who desires to,
deserves to build a better life.
There are millions of Indians who desire a better life. The only
thing that holds them back, is their financial circumstance. This
is what we at Ujjivan endeavour, every day, to overcome.
Ujjivan is a NBFC-Microfinance Institution(NBFC-MFI) licensed
by the RBI. Founded in 2005, Ujjivan has touched the lives of
more than 25 lakh customers in the past 9 years. And intends to
reach many, many more.
Reaching out to more, every day.
Rs.3513 crores of Outstanding Portfolio
including managed portfolio
Each customer we work with,
has an inspiring tale. For our
Group Loans, we engage with
hard-working, economically
active poor women from urban,
semi-urban and rural India.
They are micro-entrepreneurs, workers in organized and un-
organized sectors and marginal farmers. 99% of our customers
are women.
Accessibility, transparency and trust are the reasons they reach
out to Ujjivan. These are some of India's poorest, yet Ujjivan has
a repayment record of 99.84% which is a testimony to their
spirit. For our Individual Loans, we engage with a larger group
that seeks to improve their livelihood, educate their children
and work towards a better tomorrow.
The people we work with.
99.84% CRR
Ranked 4th largest MFI in terms of OSP and borrower base*
Over 25 lakh customers
*As per MFIN micrometer report, June 2015
All figures as on June 30, 2015
• For four continuous years, from 2011 to 2015, Ujjivan has consistently
ranked among the top 25 companies to work for, in India.
Great Place to Work ranking:
Top 25 in India
#1 in microfinance
Awards and Recognitions
• Client Protection Certification by Smart Campaign
• MIX 2013 Socially Transparent And Responsible (S.T.A.R.) MFI award
There's a lot more that Ujjivan is associated with, in partnership with our
sister organisation - Parinaam Foundation.
• We conduct financial literacy programs that create
financial awareness, cash flow and debt
management skills among our customers. Diksha, our
Financial Literacy Program - launched in partnership
with Parinaam - has completed its 5-week training program for over
2,78,000 customers.
• The Urban Ultra Poor Program (UUPP) reaches out to those who have
been excluded from traditional developmental initiatives.
• The Academic Adoption Program sponsors ultra-poor
children. Apart from this, we provide grants and
scholarships for poor students under our Higher
Education Scholarship Program.
• Health Camps support those among our customers who need critical
medical care or surgery support.
• In times of natural disaster, we provide livelihood
and other support to our communities.
• We have helped 88,000 customers open new
savings accounts.
• Parinaam was declared the Asia-Pacific winner for the 2013 Financial
Times and Citi Ingenuity Awards for the Urban Ideas in Action program
which highlights solutions to urban challenges.
There's more that we do.
Microfinance Organisation
of the Year Award, 2011
(Large organizations). India's
most prestigious MFI award
Among top 25 companies to work for in India
Individual Loans
Business
Agriculture
Livestock
Home Improvement
Higher Education
Over 25 lakh
customers
Present in 91
Under banked districts
Microfinance organisation,
licensed by RBI*
24 states and
union territories
450 plus branches
Loans in 7 days.
No agents, no commissions.
Minimum paperwork.
Loan for individuals, needs no group guarantee.
Identity, age, address proof required.
Group Loans
Business
Family
Emergency
Education
Agriculture
Ujjivan is in compliance with RBI regulations and follows the Fair Practices and Code
of Conduct. Loans are provided after verification by Credit Bureau.
A multi-level Customer Grievance Redressal mechanism is in place.
Ujjivan also endorses Smart Campaign, a global initiative by ACCION on client
protection principles, sharing and learning from Best Practices worldwide.
Fair Practices and Code of Conduct
In 2014-15, there were more than 3,00,000 customers, children and community
beneficiaries of our 300+ CSR projects. We undertake community development
programs in collaboration with our customers. Some of these projects include:
construction of bus stands, water tanks, toilets, bamboo bridges over rivers;
education kits and benches for children; basic amenities for old age homes and
orphanages, solar street lights, biogas plants and more.
Corporate Social Responsibility
Management Team
Samit Ghosh
Chief Executive Officer and
Managing Director of Ujjivan
K. R. Ramamoorthy
Independent Director(Former Non-Executive Chairman
of ING Vysya Bank & Former
Chairman & CEO of
Corporation Bank)
Sunil Patel
Independent Director
Vandana Viswanathan
Independent Director (Founder Partner,
CoCoon Consulting)
Bhama Krishnamurthy
Nominee Director from SIDBI
Sandeep Farias
Nominee Director from Elevar
Equity Mauritius
Venkatesh Natarajan
Nominee Director from Lok Capital
Sarvesh Suri
Nominee Director from IFC
Amit Gupta
Nominee Director of NewQuest
Asia Investments II Limited
Jayanta Basu
Nominee Director of Alena
Private Limited
Abhijit SenNominee Director from
CDC Group Plc
Board of Directors
PartnersGrameen Trust
Womens’ World Banking
Samit Ghosh Chief Executive Officer & Managing Director
Carol Furtado Chief Operating Officer – South & North
Abhiroop Chatterjee Chief Operating Officer- East
Jolly ZachariahChief Operating Officer – West
Martin PampillyHead Operations & Service Quality
Rajat SinghHead of Strategy and planning
Sudha SureshChief Financial Officer
Sneh ThakurHead of Credit
Alagarsamy PHead of Audit
Deepak AyareChief Information officer
Premkumar GHead of Vigilance and Administration
Murli ManoharNational Program Manager - Individual Lending
Sunil KuttyHead of Human Resources
S.Aryendra KumarHead of Housing Finance
Ittira DavisHead of Transition
Arunava BanerjeeChief Risk Officer
Toll free number 1800 3010 2121
Ujjivan Financial Services Pvt. Ltd.
Grape Garden, 3rd A Cross, 18th Main, 6th Block, Koramangala,
Bengaluru 560 095, Tel: +91 80 4071 2121, Fax: +91 80 4146 8700
[email protected] www.ujjivan.com
CIN - U65999KA2004PTC035329
Member of: MFIN (Microfinance Institutions Network) • AKMI (Assoc. of
Karnataka Microfinance Institutions) • AMFI (Assoc. of Microfinance
Institutions - W. Bengal • Uttar Pradesh Microfinance Association (UPMA)
• Kerala Association of Microfinance (KAMFI)
Select Banks and Financial Institutions: Axis Bank • Small Industries
Development Bank of India • HDFC Bank • Corporation Bank • DCB Bank
Ltd. • IDBI • State Bank of Travancore • Standard Chartered Bank
• The Ratnakar Bank Ltd • Bank of America • Andhra Bank • South Indian
Bank • YES BANK • Kotak Mahindra Bank • ING Vysya Bank • Dhanlaxmi
Bank • The Hongkong & Shanghai Banking Corporation Limited • Union
Bank of India • IndusInd Bank • Bank of India • ICICI Bank • Federal Bank
• Societe Generale • Central Bank of India • Oriental Bank of Commerce
• Vijaya Bank • Citibank • IFMR Capital • BNP Paribas • State Bank of India
• State Bank of Patiala • NABARD • Capital First Limited • Dena Bank • Indian
Overseas Bank • Tata Capital • Hero Fincorp • L&T Finance Limited
• State Bank of Hyderabad • Bank of Baroda • Canara Bank
*Reserve Bank of India does not accept any responsibility or guarantee about the present
position as to the financial soundness of the company or for the correctness of any of the
statements or representations made or opinions expressed by the company and for discharge
of liability by the company. Neither is there any provision in law to keep, nor does the company
keep any part of the deposits with the Reserve Bank and by issuing the Certificate of Registration
to the Company, the Reserve Bank neither accepts any responsibility nor guarantee for the
payment of the deposit amount to any depositor.
Legal and Regulatory Framework
Ujjivan is a private company registered under the Companies Act 1956. It is a Non-Banking
Financial Company (NBFC) holding Certificate of Registration No. N-02-00224 dated 31/10/2005
from the Reserve Bank of India* under Section 45 1A of the Reserve Bank of India Act 1934.
We have also been classified as NBFC-MFI by RBI vide its approval in September 2013 in line with
its Circular DNBS.CC.PD.No.250/03.10.01/2011-12 dated 2nd December 2011.
ujjivanmicrofin ujjivanMFI ujjivan-financial-services