24 states 450+ branches 7600+ employees

Everyone who desires to,

deserves to build a better life.

There are millions of Indians who desire a better life. The only

thing that holds them back, is their financial circumstance. This

is what we at Ujjivan endeavour, every day, to overcome.

Ujjivan is a NBFC-Microfinance Institution(NBFC-MFI) licensed

by the RBI. Founded in 2005, Ujjivan has touched the lives of

more than 25 lakh customers in the past 9 years. And intends to

reach many, many more.

Reaching out to more, every day.

Rs.3513 crores of Outstanding Portfolio

including managed portfolio

Each customer we work with,

has an inspiring tale. For our

Group Loans, we engage with

hard-working, economically

active poor women from urban,

semi-urban and rural India.

They are micro-entrepreneurs, workers in organized and un-

organized sectors and marginal farmers. 99% of our customers

are women.

Accessibility, transparency and trust are the reasons they reach

out to Ujjivan. These are some of India's poorest, yet Ujjivan has

a repayment record of 99.84% which is a testimony to their

spirit. For our Individual Loans, we engage with a larger group

that seeks to improve their livelihood, educate their children

and work towards a better tomorrow.

The people we work with.

99.84% CRR

Ranked 4th largest MFI in terms of OSP and borrower base*

Over 25 lakh customers

*As per MFIN micrometer report, June 2015

All figures as on June 30, 2015

• For four continuous years, from 2011 to 2015, Ujjivan has consistently

ranked among the top 25 companies to work for, in India.

Great Place to Work ranking:

Top 25 in India

#1 in microfinance

Awards and Recognitions

• Client Protection Certification by Smart Campaign

• MIX 2013 Socially Transparent And Responsible (S.T.A.R.) MFI award

There's a lot more that Ujjivan is associated with, in partnership with our

sister organisation - Parinaam Foundation.

• We conduct financial literacy programs that create

financial awareness, cash flow and debt

management skills among our customers. Diksha, our

Financial Literacy Program - launched in partnership

with Parinaam - has completed its 5-week training program for over

2,78,000 customers.

• The Urban Ultra Poor Program (UUPP) reaches out to those who have

been excluded from traditional developmental initiatives.

• The Academic Adoption Program sponsors ultra-poor

children. Apart from this, we provide grants and

scholarships for poor students under our Higher

Education Scholarship Program.

• Health Camps support those among our customers who need critical

medical care or surgery support.

• In times of natural disaster, we provide livelihood

and other support to our communities.

• We have helped 88,000 customers open new

savings accounts.

• Parinaam was declared the Asia-Pacific winner for the 2013 Financial

Times and Citi Ingenuity Awards for the Urban Ideas in Action program

which highlights solutions to urban challenges.

There's more that we do.

Microfinance Organisation

of the Year Award, 2011

(Large organizations). India's

most prestigious MFI award

Among top 25 companies to work for in India

Individual Loans

Business

Agriculture

Livestock

Home Improvement

Higher Education

Over 25 lakh

customers

Present in 91

Under banked districts

Microfinance organisation,

licensed by RBI*

24 states and

union territories

450 plus branches

Loans in 7 days.

No agents, no commissions.

Minimum paperwork.

Loan for individuals, needs no group guarantee.

Identity, age, address proof required.

Group Loans

Business

Family

Emergency

Education

Agriculture

Ujjivan is in compliance with RBI regulations and follows the Fair Practices and Code

of Conduct. Loans are provided after verification by Credit Bureau.

A multi-level Customer Grievance Redressal mechanism is in place.

Ujjivan also endorses Smart Campaign, a global initiative by ACCION on client

protection principles, sharing and learning from Best Practices worldwide.

Fair Practices and Code of Conduct

In 2014-15, there were more than 3,00,000 customers, children and community

beneficiaries of our 300+ CSR projects. We undertake community development

programs in collaboration with our customers. Some of these projects include:

construction of bus stands, water tanks, toilets, bamboo bridges over rivers;

education kits and benches for children; basic amenities for old age homes and

orphanages, solar street lights, biogas plants and more.

Corporate Social Responsibility

Management Team

Samit Ghosh

Chief Executive Officer and

Managing Director of Ujjivan

K. R. Ramamoorthy

Independent Director(Former Non-Executive Chairman

of ING Vysya Bank & Former

Chairman & CEO of

Corporation Bank)

Sunil Patel

Independent Director

Vandana Viswanathan

Independent Director (Founder Partner,

CoCoon Consulting)

Bhama Krishnamurthy

Nominee Director from SIDBI

Sandeep Farias

Nominee Director from Elevar

Equity Mauritius

Venkatesh Natarajan

Nominee Director from Lok Capital

Sarvesh Suri

Nominee Director from IFC

Amit Gupta

Nominee Director of NewQuest

Asia Investments II Limited

Jayanta Basu

Nominee Director of Alena

Private Limited

Abhijit SenNominee Director from

CDC Group Plc

Board of Directors

PartnersGrameen Trust

Womens’ World Banking

Samit Ghosh Chief Executive Officer & Managing Director

Carol Furtado Chief Operating Officer – South & North

Abhiroop Chatterjee Chief Operating Officer- East

Jolly ZachariahChief Operating Officer – West

Martin PampillyHead Operations & Service Quality

Rajat SinghHead of Strategy and planning

Sudha SureshChief Financial Officer

Sneh ThakurHead of Credit

Alagarsamy PHead of Audit

Deepak AyareChief Information officer

Premkumar GHead of Vigilance and Administration

Murli ManoharNational Program Manager - Individual Lending

Sunil KuttyHead of Human Resources

S.Aryendra KumarHead of Housing Finance

Ittira DavisHead of Transition

Arunava BanerjeeChief Risk Officer

Toll free number 1800 3010 2121

Ujjivan Financial Services Pvt. Ltd.

Grape Garden, 3rd A Cross, 18th Main, 6th Block, Koramangala,

Bengaluru 560 095, Tel: +91 80 4071 2121, Fax: +91 80 4146 8700

ujjivan.blr@ujjivan.com www.ujjivan.com

CIN - U65999KA2004PTC035329

Member of: MFIN (Microfinance Institutions Network) • AKMI (Assoc. of

Karnataka Microfinance Institutions) • AMFI (Assoc. of Microfinance

Institutions - W. Bengal • Uttar Pradesh Microfinance Association (UPMA)

• Kerala Association of Microfinance (KAMFI)

Select Banks and Financial Institutions: Axis Bank • Small Industries

Development Bank of India • HDFC Bank • Corporation Bank • DCB Bank

Ltd. • IDBI • State Bank of Travancore • Standard Chartered Bank

• The Ratnakar Bank Ltd • Bank of America • Andhra Bank • South Indian

Bank • YES BANK • Kotak Mahindra Bank • ING Vysya Bank • Dhanlaxmi

Bank • The Hongkong & Shanghai Banking Corporation Limited • Union

Bank of India • IndusInd Bank • Bank of India • ICICI Bank • Federal Bank

• Societe Generale • Central Bank of India • Oriental Bank of Commerce

• Vijaya Bank • Citibank • IFMR Capital • BNP Paribas • State Bank of India

• State Bank of Patiala • NABARD • Capital First Limited • Dena Bank • Indian

Overseas Bank • Tata Capital • Hero Fincorp • L&T Finance Limited

• State Bank of Hyderabad • Bank of Baroda • Canara Bank

*Reserve Bank of India does not accept any responsibility or guarantee about the present

position as to the financial soundness of the company or for the correctness of any of the

statements or representations made or opinions expressed by the company and for discharge

of liability by the company. Neither is there any provision in law to keep, nor does the company

keep any part of the deposits with the Reserve Bank and by issuing the Certificate of Registration

to the Company, the Reserve Bank neither accepts any responsibility nor guarantee for the

payment of the deposit amount to any depositor.

Legal and Regulatory Framework

Ujjivan is a private company registered under the Companies Act 1956. It is a Non-Banking

Financial Company (NBFC) holding Certificate of Registration No. N-02-00224 dated 31/10/2005

from the Reserve Bank of India* under Section 45 1A of the Reserve Bank of India Act 1934.

We have also been classified as NBFC-MFI by RBI vide its approval in September 2013 in line with

its Circular DNBS.CC.PD.No.250/03.10.01/2011-12 dated 2nd December 2011.

ujjivanmicrofin ujjivanMFI ujjivan-financial-services