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It frames India’s economic aspirations and evolving needs across savings, credit, investments, protection, and transaction banking. The report discusses business model, differentiators, digital future, service quality, risk management, sustainability, corporate social responsibility, governance, and audited financial statements, alongside leadership perspectives and regulatory disclosures.",{"@graph":69,"@context":123},[70,84,106],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/bank-for-the-aspiring-indians-annual-report-2025-26/266071/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/bank-for-the-aspiring-indians-annual-report-2025-26/266071.png","ImageObject",300,407,{"name":92,"@type":93},"Aditya","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-30","2026-09-14",true,{"@type":102,"interactionType":103,"userInteractionCount":105},"InteractionCounter",{"@type":104},"ViewAction",17,{"@type":107,"mainEntity":108},"FAQPage",[109,115,119],{"name":110,"@type":111,"acceptedAnswer":112},"What is the core mission emphasized in the Annual Report 2025-26?","Question",{"text":113,"@type":114},"The report emphasizes Ujjivan’s purpose to make financial services accessible, responsible, and relevant for customers who have traditionally been underserved.","Answer",{"name":116,"@type":111,"acceptedAnswer":117},"Which banking domains does Ujjivan Small Finance Bank serve according to the report?",{"text":118,"@type":114},"It serves customers across savings, credit, investments, protection, and transaction banking, covering products such as micro-banking, housing, MSME, agriculture, gold loan, and vehicle finance.",{"name":120,"@type":111,"acceptedAnswer":121},"How does the report address future readiness and operating priorities?",{"text":122,"@type":114},"It highlights a digital future and a distribution model integrating physical, assisted, and digital channels, while also focusing on risk management and responsible sustainability practices.","https://schema.org",{"og:url":83,"og:type":125,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":127,"canonical":83},"index,follow",{"doc_id":129,"site_id":62},266071,1789403528,{"code":4,"msg":5,"data":132},{"doc_id":129,"user_id":133,"nickname":92,"user_avatar":134,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":135,"file_id":136,"file_url":137,"file_type":138,"file_size":139,"view_count":105,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":140,"language":141,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":142,"faqs":143,"seo_title":144,"seo_description":67,"update_tm":130,"read_time":145,"preview_page_count":4},962085564549,"https://ap-avatar.wpscdn.com/davatar_085a072bc5b1113ac321206ff7593b45","Bank for the Aspiring Indians  \nWhere Every Aspiration Finds Its Heart.  \nAnnual Report 2025-26  \nBank for the Aspiring Indians  \nWhere Every Aspiration Finds Its Heart.  \nIndia’s growth is fundamentally driven by the economic ambitions  \nof its people. Across the nation, a profound shift is being noticed—families securing their futures through systematic savings and robust protection, entrepreneurs expanding their enterprises and farmers accessing productive capital to enhance yields. Today, priorities like home ownership, asset creation, education, and long-term planning are vital goals for a rapidly rising aspirational population. These evolving dynamics demand more than basic credit access; they require comprehensive banking solutions that support every stage of financial progression.  \nUjjivan SFB is engineered precisely to address these shifting dynamics. The Bank serves customers across a full spectrum of savings, credit, investments, protection, and transaction banking. The product offerings spans across micro-banking, housing, MSME, agriculture, gold loan, vehicle finance, retail liabilities, Trust, Association, Society and Club (TASC) and Retail Institution and Government Banking (RIGB) . It’s distribution model seamlessly integrates physical, assisted, and digital channels, ensuring customers engage precisely at their level of financial familiarity.  \nAs modern India’s aspirations scale, Ujjivan SFB expands alongside themensuring every dream finds its home, and every aspiration finds its heart.  \nContents  \nCompany Overview 2  \nFrom the Chairman’s Desk 2  \nFrom the Managing Director & CEO’s Desk 6  \nWelcome to Ujjivan Small Finance Bank 10  \nGeographical Presence 11  \nOur Journey 12  \nBusiness Model 14  \nOur Differentiators 16  \nAwards and Accolades 18  \nBusiness Highlights 20  \nDigital Future 22  \nServing the Financial Needs of Aspiring India 32  \nMicro Banking 34  \nAgriculture Banking 36  \nMSME 38  \nHousing and Micro-mortgages 40  \nVehicle Finance 42  \nGold Loan 44  \nFinancial Institutions & Government Banking Group 46  \n(FIGB)  \nRetail Liabilities (Branch Banking & TASC) 48 Treasury 50  \nThird-Party Products 52  \nTurning Aspirations into Outcomes 54  \nMarketing 56  \nIT 58  \nSustaining Aspirations Responsibly 60  \nSustainability 62  \nService Quality 66  \nHuman Resources 72  \nCorporate Social Responsibility 78  \nStrengthening Trust for Aspirations to Thrive 84  \nRisk Management 86  \nUjjivan in News 92  \nBoard of Directors 94  \nLeadership Team 98  \nStatutory Reports 109  \nManagement Discussion and Analysis 109  \nDirectors’ Report 119  \nAnnexure 1 137  \nAnnexure 2 138  \nAnnexure 3 140  \nAnnexure 4 152  \nAnnexure 5 156  \nAnnexure 6 160  \nCorporate Governance Report 161  \nAnnexure 1 188  \nAnnexure 2 189  \nAnnexure 3 190  \nBusiness Responsibility and Sustainability 191  \nReport (BRSR)  \nFinancial Statements 237  \nIndependent Auditors’ Report 237  \nAnnexureA 242  \nBalance Sheet 244  \nProfit and Loss Statement 245  \nCash Flow Statement 246  \nSchedules Forming Part of the Balance Sheet 247  \nSignificant Accounting Policies Forming Part of 253  \nthe Financial Statements  \nNotes to Financial Statements 264  \nShareholders’ Information 320  \nAGM Notice 320  \nWebsite  \n[www.ujjivansfb.bank.in](www.ujjivansfb.bank.in)  \nTo view the report online, kindly scan the QR code or log on to  \n[www.ujjivansfb.bank.in/annual-report](www.ujjivansfb.bank.in/annual-report)  \nDisclaimer  \nThis Annual Report has been prepared in accordance with Applicable Laws, including applicable Securities and Exchange Board of India (SEBI) and Reserve Bank of India (RBI) regulations and may contain certain forward-looking statements which reflect Bank’s current views and expectations based on available information. These are subject to risks, uncertainties and assumptions, and actual outcomes may differ significantly from those anticipated. The Bank does not undertake any obligation to revise or update any such forward looking statements, whether as a resu","cbCairkEmWnFawxG","https://ap.wps.com/l/cbCairkEmWnFawxG","pdf",13515742,368,"English","# Company Overview\n# From the Chairman’s Desk\n# From the Managing Director & CEO’s Desk\n# Welcome to Ujjivan Small Finance Bank\n# Geographical Presence\n# Our Journey\n# Business Model\n# Our Differentiators\n# Awards and Accolades\n# Business Highlights\n# Digital Future\n# Serving the Financial Needs of Aspiring India\n## Micro Banking\n## Agriculture Banking\n## MSME\n## Housing and Micro-mortgages\n## Vehicle Finance\n## Gold Loan\n## Financial Institutions & Government Banking Group (FIGB)\n## Retail Liabilities (Branch Banking & TASC)\n## Treasury\n## Third-Party Products\n# Turning Aspirations into Outcomes\n# Marketing\n# IT\n# Sustaining Aspirations Responsibly\n# Sustainability\n# Service Quality\n# Human Resources\n# Corporate Social Responsibility\n# Strengthening Trust for Aspirations to Thrive\n# Risk Management\n# Ujjivan in News\n# Board of Directors\n# Leadership Team\n# Statutory Reports\n## Management Discussion and Analysis\n## Directors’ Report\n# Corporate Governance Report\n# Financial Statements\n## Independent Auditors’ Report\n## Balance Sheet\n## Profit and Loss Statement\n## Cash Flow Statement\n## Notes to Financial Statements\n# Shareholders’ Information\n## AGM Notice","[{\"question\":\"What is the core mission emphasized in the Annual Report 2025-26?\",\"answer\":\"The report emphasizes Ujjivan’s purpose to make financial services accessible, responsible, and relevant for customers who have traditionally been underserved.\"},{\"question\":\"Which banking domains does Ujjivan Small Finance Bank serve according to the report?\",\"answer\":\"It serves customers across savings, credit, investments, protection, and transaction banking, covering products such as micro-banking, housing, MSME, agriculture, gold loan, and vehicle finance.\"},{\"question\":\"How does the report address future readiness and operating priorities?\",\"answer\":\"It highlights a digital future and a distribution model integrating physical, assisted, and digital channels, while also focusing on risk management and responsible sustainability practices.\"}]","Bank for the Aspiring Indians - Annual Report 2025-26 | PDF",927]