Ujjivan Small Finance Bank 

Ujjivan Small Finance Bank is a scheduled, listed small finance bank that grew out of Ujjivan Financial Services Limited, the NBFC set up in 2005, and a mass-market lender whose core work is deposit-taking and credit for unserved and underserved households and small businesses. Banking operations under the small-finance-bank licence began on 1 February 2017. A 2019 initial public offering, recorded at about 170 times subscription, put the bank on the listed-company map. It is not a payments wallet, not a chit fund, and not a WhatsApp-only lender even though WhatsApp banking is one of the channels it offers. Reach figures the bank itself has published should be kept as stated, not rounded into slogans. An about-page snapshot lists 98.8 lakh customers, 842 touchpoints, 326 districts, and 26 states and union territories. The homepage as of 31 July 2026 states more than one crore customers, more than 26,500 bankers, and the same 842 touchpoints, 326 districts, and 26 states and union territories. Those two cuts sit side by side: the customer count moved; the physical grid in those notes did not. The product map is built for a mass-market book. Savings accounts and fixed deposits sit beside gold loans, microfinance-style credit, housing loans, and agriculture loans. UPI is part of everyday payments. WhatsApp banking is an official self-service rail the bank names; a directory listing of the bank is not that WhatsApp session, and a personal messaging link is not the destination this catalogue is recording. A borrower who wants a gold-loan quote or a depositor who wants a rate still belongs on the bank’s own site or in a branch, not in a comment thread. Official social destinations—X at UjjivanBank, Facebook at UjjivanSmallFinanceBankLimited, LinkedIn at ujjivanbank, and Instagram at ujjivanbank—are brand and public-information channels. They are not loan-sanction desks, not KYC upload counters, and not places to share an OTP, PIN, CVV, or net-banking password. Impersonation of small finance banks is common, including copycat handles that promise instant gold-loan disbursal after a code. Confirm rates, charges, and account opening only on the bank’s own site or inside a verified branch or app session. Ignore payment links in DMs.