Customer testimonials
Few Words from our Patrons
MSME
I am incredibly thankful to Ujjivan Small Finance Bank for their support in making my dream of opening a new showroom a reality. The Bank’s decision to grant me a loan of ` 52 Lakhs has been a complete game-changer for my business. Thanks to this financial assistance, my turnover has experienced a remarkable surge from ` 50 Lakhs to an impressive ` 1.5 Crores.
Throughout the loan process, the Bank exhibited the utmost professionalism and efficiency. Their team took the time to truly understand the vision behind my showroom and wholeheartedly believed in its potential, providing me with the necessary financial backing. The level of service I have received was exceptional, and I am delighted to be associated with such a commendable institution.
Sanvaariya Sanitary Hardware and Paints
I would like to express my heartfelt gratitude to Ujjivan Small Finance Bank for their exceptional support and trust in our metal scrap business. Before their involvement, our turnover was ` 56 Lakhs. However, with the Overdraft facility provided by the Bank, our turnover significantly increased to an impressive ` 12 Crores, resulting in substantial business growth.
In 2023, we were granted an additional top-up of ` 84 Lakhs, which further fueled our expansion and allowed us to invest in stock and explore new markets. This financial assistance has been instrumental in the success of our business, enabling us to seize new opportunities and reach new heights.
I am truly grateful for the amazing support and services provided by Ujjivan Small Finance Bank. Their belief in our vision and their continuous support have played a crucial role in the flourishing of our business.
ASP Enterprise
Individual Loans
Mrs. Vandana Jadhav has been a valued customer of Ujjivan since 2015. She resides in her own house in the Pachagaon area of Kolhapur City with her mother-in-law, Shantabai Jadhav, and her daughters, Sakshi Jadhav (21 years old) and Sveta (18 years old). Vandana and her husband originally belonged to Girgaon village, near Kolhapur City. They relocated to Kolhapur City in 2010 due to her husband's job. At that time, they both worked as workers in a goldsmith shop and faced financial struggles as they relied on a single income. In 2014, Vandana's husband passed away due to a heart attack. She faced significant challenges as she had no source of income or support. However, 14 days after her husband's death, she decided to start her tailoring business. Despite the financial hardships, Vandana remained dedicated and worked hard to support her entire family.
She approached local banks and relatives for financial support but was helpless. It was then that she became aware of Ujjivan and approached their staff to process a GL Loan in 2015. She was overjoyed to receive financial support from Ujjivan, which became a crucial lifeline for her.
Currently, Vandana owns five tailoring machines and conducts tailoring classes during half-sessions. She purchases cloth materials from the market, makes clothes, and sells them to other cloth merchants and regular customers. Additionally, she runs a tiffin business with the help of her daughter and mother-in-law. She earns an income of around ` 35,000 to ` 40,000 per month.
Vandana is a hardworking and dedicated customer. During this period, she managed to construct her own house and support her daughter's education. Even during the COVID-19 pandemic, she diligently paid her EMI. She considers Ujjivan her saviour and remains loyal to them.
Currently, she is content and delighted that her daughter is doing well and her business is running smoothly. She plans to expand her business in the future. As she says, "One has to fight their own battles in life.".
Vandana Jadhav
Kisan Pragati Card Customer
For generations, agriculture has been our primary livelihood. I take great pride in owning 10 acres of fertile farmland where I cultivate a diverse range of cereals and vegetables year-round. However, one of our biggest challenges is ensuring sufficient working capital to cover essential expenses like purchasing improved seed varieties, irrigation, and labour costs. Fortunately, the Kisan Pragati Card Loan facility has been a lifesaver, allowing me to meet these crucial farming needs. I am grateful for the seamless loan process and the doorstep service provided by the Ujjivan team. Their assistance has been truly commendable, making my farming journey much smoother and more efficient.
- Mr. Pradeep, Farmer, Jind, Haryana
Five years ago, I embarked on a fish farming venture with the initial capital funding provided by my father. However, I soon realised that expanding the business posed significant challenges due to the high costs involved in pond development and maintenance. Thankfully, my existing banking relationship with Ujjivan through my savings account proved beneficial. When I discovered that Ujjivan had introduced the KPC-Pisciculture Loan, I became intrigued and eager to explore further. The Bank's representative was immensely helpful, addressing all my concerns and guiding me through the loan application process. They also facilitated the necessary credit exposure, enabling me to secure the financial support required. With this assistance, I successfully expanded my business and established a new fish breeding unit. I firmly believe that this expansion will not only reduce input costs but also enhance the overall quality of my fish produce.
- Mr. S. K. Sani Ali, Pisciculture farming, North
24 Parganas,
West Bengal
With over 15 years dedicated to poultry farming, I encountered a significant challenge
in expanding my business due to limited funds. However, Ujjivan played a pivotal role in
fulfilling my credit requirements, enabling me to overcome this hurdle.
Initially, I had only one shed housing 2,000 chickens. However, thanks to the financial
assistance provided through the Ujjivan’s Kisan Pragati Card-Poultry Loan, I swiftly
installed two additional sheds and accommodated a total of 12,000 chickens within two
months. This credit facility played a crucial role in turning my dream of scaling up my
poultry business into a commercial reality.
Mr. Arumugam Ra
Mr. Arumugam Rajagopal Muthaliyar, Poultry
Farming,
Dharamapuri, Tamil Nadu
At Ujjivan SFB, we are proud to be a part of the journey of individuals and families, ensuring their essential needs are met. Recently, Maimood, the son of one of our long-standing customers, realised the importance of reliable transportation for his daily office commute. Recognising our commitment to supporting our customers, Maimood turned to Ujjivan SFB for the financial assistance needed to purchase a vehicle.
We are delighted to have been able to assist Maimood promptly, providing the necessary loan without hesitation. His heartfelt gratitude towards our Bank is a testament to the unwavering dedication we have towards our customers.
This experience reaffirms our commitment to serving our customers and making a positive impact in their lives, improving their quality of life.
- Mr. Maimood
Fixed Deposit
As the proprietor of a chartered accountant firm, I have been utilising the banking services of Ujjivan Small Finance Bank since 2019. I am really satisfied with the efficient service delivered by the branch team and the effortless banking experience provided by the Bank. I have even opened family accounts with them and truly commend their appealing fixed deposit (FD) rates. In my view, Ujjivan Bank is an excellent choice for investment purposes.
- Mr. Anil D'Souza
Savings Account
I hold a Privilege Savings account with Ujjivan Small Finance Bank. The services rendered by the Bank have been highly beneficial, and the branch assistance is prompt and efficient. The staff members have been exceptionally supportive and accommodating, contributing significantly to my overall contentment with the Bank. I am extremely pleased with the range of services provided and the overall banking experience they offer.
Mr. Bhanu Kumar G.
Housing Loan
Mr. Manohar Krishna Kadam and his late wife, Smt. Meghana Manohar Kadam, were delighted to become homeowners with the assistance of Ujjivan Small Finance Bank. However, tragedy struck in June 2020 when Mr. Manohar Krishna Kadam lost his beloved wife. Unfortunately, the insurance vendor's unresponsiveness caused a significant delay in settling the death claim.
With the prompt support and guidance of dedicated officers at our Bank, Mr. Kadam finally received his insurance claim settlement. As a result, his home is now free of mortgage obligations.
While he deeply mourns the loss of his wife, Mr. Kadam takes solace in the fact that the home they built together continues to provide shelter and comfort to him and their children. He expresses his heartfelt appreciation for the exceptional customer service provided by our Bank during this challenging time.
- Mr. Manohar Krishna Kadam, Kalyan Branch,
Mumbai,
Maharashtra
Nitin Bhika Mali, an aspiring homeowner, found himself in urgent need of a home loan. He applied for a home loan at Ujjivan Small Finance Bank and another financial institution. Despite the fact that the builder of his desired property did not have the project approved by Ujjivan Small Finance Bank, an employee of the Bank went above and beyond to engage with the builder. Through their efforts, the required home loan was disbursed promptly to fulfil the customer's needs.
Nitin Bhika Mali expresses his heartfelt appreciation for our employee's swift and efficient response. Their proactive approach and dedication helped him achieve his dream of owning a home.
- Mr. Nitin Bhika Mali, Jalgaon Branch, Maharashtra
