Bengaluru: Ujjivan Small Finance Bank (Ujjivan SFB) has charted out its strategic roadmap to achieve a Gross Loan Book (GLB) of Rs.1 Lakh Crore by FY30, building upon the progress made since receiving its small finance bank licence in 2017. The bank’s growth is anchored on a steady expansion of its liability franchise, deepening the reach of asset product suite, and creating a cost optimized operations leading to higher sustained profitability. A Diversified Loan Portfolio: Ujjivan has been gradually diversifying its loan portfolio with secured lending increasing from 16% in FY19 to 46% as on Q1FY26. The bank aims to raise the share of its secured loan book to approximately 65%–70%, led by growth in Affordable Housing, Micro Mortgages, MSME lending, Vehicle Finance, Gold Loans and Agri Loans. Additionally aiming to increase the product suite by adding products for Mid Corporate Lending. While the Micro Banking portfolio which mainly comprises of Group Loans, forms the foundation of the scale, as customers progressively graduate to Individual Loans. Liability Franchise: Ujjivan has built a granular liability franchise with retail deposits (CASA and retail term deposits) forming 72% of the total deposit base of Rs.38,619 crore as of Q1FY26. CASA balances stood at Rs.9,381 crore, representing 24.3% of deposits, with a long-term objective of CASA reaching 35% of total deposits by FY30. This growth will be supported by the planned expansion of the branch network from 752 to approximately 1,150 branches, deeper cross-sell to an expanded customer base, and a suite of products including IPO-ASBA, insurance, mutual fund distribution, remittances, and co-branded credit cards.
