Bengaluru | Ujjivan Small Finance Bank (Ujjivan SFB) has unveiled its strategic roadmap to achieve a Gross Loan Book (GLB) of ₹1 lakh crore by FY30, up from ₹33,287 crore in Q1FY26.
The bank plans to raise the share of secured loans to 65–70% by scaling up affordable housing, MSME lending, vehicle finance, gold loans, and agri-loans, while also introducing mid-corporate lending. Retail deposits already form 72% of its ₹38,619 crore deposit base, with CASA at 24.3%. The bank aims to lift CASA to 35% and expand its branch network from 752 to around 1,150 by FY30.
Profitability goals include reducing the cost-to-income ratio to 55%, delivering a RoA of 1.8–2.0% and RoE of 16–18%. With a CRAR of 22.8% and Tier I capital at 21.2%, the bank said it remains comfortably capitalized.
“Our strategy focuses on diversifying the loan book, expanding branches, and boosting productivity to deliver sustainable growth,” said Sanjeev Nautiyal, MD & CEO, Ujjivan SFB.
Ujjivan currently serves 97 lakh customers across 26 states and union territories through 752 branches and 613 ATMs/ACRs.