Ujjivan Small Finance Bank Sets Its Course For Rs 1 Lakh Crore Loan Book By FY30

Sanjeev Nautiyal, MD & CEO, says that Ujjivan Small Finance Bank expects annual Gross Loan Book growth of 20 to 25 per cent, led by branch expansion, higher productivity and a stronger Current and Savings Accounts profile

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Ujjivan Small Finance Bank (Ujjivan SFB) has outlined a strategic roadmap to grow its Gross Loan Book (GLB) to Rs 1 lakh crore by FY30. Having reached a GLB of Rs 33,287 crore in Q1 FY26, the bank is preparing to accelerate growth through diversification of its portfolio, strengthening of its liability franchise, and sharper operational efficiency.

A central aspect of this strategy is the steady focus on secured lending. In FY19, secured products represented 16 per cent of the portfolio.

By Q1 FY26, this share had risen to 46 per cent, and the bank now targets 65 to 70 per cent by FY30. Affordable housing, micro mortgages, MSME loans, vehicle finance, gold loans and agri loans will account for the majority of this expansion.