Ujjivan Small Finance Bank (Ujjivan SFB) has announced its roadmap to achieve a Gross Loan Book (GLB) of ₹1 lakh crore by FY30, building on its rapid growth since becoming a small finance bank in 2017. The strategy emphasizes diversification of its loan portfolio, expansion of liability franchise, and a stronger focus on cost efficiency to ensure sustainable profitability.
The bank has steadily increased its secured lending from 16% in FY19 to 46% in Q1FY26, with a target of 65%–70% by FY30. Key growth drivers will include affordable housing, MSME lending, vehicle finance, gold loans, and agri loans, alongside new products such as mid-corporate lending. On the liabilities side, retail deposits form 72% of the total deposit base of ₹38,619 crore, with CASA balances at ₹9,381 crore.
In Agartala, Ujjivan’s deeper penetration into secured lending, especially housing and MSME credit, could support small businesses and emerging entrepreneurs. With many traders and shopkeepers relying on informal credit, the bank’s structured lending approach may boost formal financial access and economic activity in the city’s expanding retail sector. CEO Sanjeev Nautiyal said the bank aims for 20%–25% annual GLB growth, with RoE of 16%–18% and RoA of 1.8%–2.0% by FY30, supported by a branch expansion from 752 to 1,150.
