Summary
Ujjivan Small Finance Bank is among India’s leading small finance banks, with a rapidly expanding network of branches and regional offices across almost all states and union territories. Its headquarters is in Bengaluru, but the bank has developed a pan-India presence through regional offices in major metros, smaller towns, and underserved regions. These offices — from the Ujjivan small finance bank head office to regional hubs and hundreds of branches — together enable the bank to reach millions, offering banking, credit, inclusive finance, and other services even in remote corners.
This blog explains how Ujjivan SFB structures its operations, describes major office locations and their roles, outlines the bank’s offerings and corporate philosophy, and provides a detailed FAQ to help customers, researchers, or potential employees understand its nationwide footprint and functioning.
Company Overview
Ujjivan Small Finance Bank began its journey as an NBFC focused on microfinance and financial inclusion. Over time, leveraging its deep presence among underserved segments, Ujjivan converted into a Small Finance Bank licensed by the Reserve Bank of India (RBI), and started full banking operations from 1 February 2017.
The bank’s mission is to provide accessible, affordable banking services to the unserved and under-served sections of society, while progressively building a universal banking franchise that serves retail, small business, and inclusive banking needs.
As of 2026, Ujjivan SFB has over 750 branches across 26 States and Union Territories, covering more than 330+ districts, with a growing customer base, serving both rural and urban clients.
Ujjivan’s product offerings are broad and inclusive. They provide savings and current accounts, fixed and recurring deposits, micro-loans, MSME finance, home loans, vehicle loans, agri-loans, business loans, gold loans, and more. The bank also offers digital banking services, insurance, and forex facilities — aiming to be a “one-stop financial partner” across segments.
Through an ever-expanding branch and office network, Ujjivan SFB aims to balance financial inclusion with commercial banking, reaching underserved populations while growing sustainably.
Ujjivan Small Finance Bank Offices in India: Key Locations & Their Roles
Ujjivan’s national infrastructure consists of the head office, several regional offices (regional/nodal offices by zone), and a widespread network of branches reaching almost every corner of India. Below are the major offices, their addresses, and the core functions they perform.
Ujjivan Small Finance Bank Head Office — Bengaluru, Karnataka
The ujjivan small finance bank head office is the core of the bank’s overall operations — setting strategy, regulatory compliance, product design, risk management, finance, and governance. From here, the bank manages nationwide coordination, technology strategy, and expansion planning.
Address
Ujjivan Small Finance Bank Ltd.
Grape Garden, No. 27, 3rd A Cross, 18th Main, 6th Block, Koramangala,
Bengaluru, Karnataka – 560095, India.
Key Functions
Corporate governance and compliance for the entire bank
Overall financial planning, asset-liability management, treasury functions
Design and rollout of banking products: deposit accounts, loans, digital banking, microfinance, MSME loans, gold loans, etc.
Policy-making for financial inclusion and branch expansion strategy
Technology infrastructure planning — digital banking platforms, core banking systems, risk-management systems
Human resources leadership, training, and corporate staffing
Coordination with regulators and investors — especially since Ujjivan SFB is a publicly listed entity
Importance
As the head office, this Bengaluru location ensures unified vision across branches, adherence to governance standards, and coordinates all major decisions for growth, compliance, and service delivery. It anchors Ujjivan’s identity as a national-scale small finance bank.
Regional / Zonal Offices — Supporting Pan-India Reach
To manage operations efficiently across India, Ujjivan has established regional offices covering different zones — North, East, West, South and more. These offices support regional management, oversight, customer service, and branch coordination.
Below are a few representative regional offices:
North Regional Office — Noida, Uttar Pradesh
Address
Block D, Plot No. 7, Vyapar Marg, GMTT Building, 2nd & 3rd Floor,
Sector 3, Noida, Uttar Pradesh – 201301, India.
Regions Covered
Delhi NCR, Uttar Pradesh, Haryana, Punjab, Chandigarh, Rajasthan, Uttarakhand, Madhya Pradesh, Chhattisgarh, Himachal Pradesh (as part of northern zone nodal coverage).
Key Functions
Supervision and coordination of all Ujjivan branches in northern India
Overseeing loan operations, microfinance, MSME credit, and customer service for urban and rural clients
Grievance redressal and escalation through regional nodal officers
Regulatory compliance at zone level, audit coordination, and risk monitoring for northern operations
Marketing and customer outreach for new expansion, financial inclusion schemes
Significance
This office helps Ujjivan maintain strong operations and oversight across the densely populated and economically diverse northern states — ensuring consistent service, compliance, and growth.
West Regional Office — Pune, Maharashtra
Address
7th Floor, Almonte IT Park, Kharadi, Village Hadapsar Mundhwa Bypass,
Near Reliance Smart, Pune – 411014, Maharashtra, India.
Regions Covered
Maharashtra and Gujarat (western zone) under Ujjivan’s coverage.
Key Functions
Regional branch management across western states
Oversight of branch expansions, retail banking growth, deposit mobilisation, and credit facilities
Customer service support and regional grievance redressal
Regional marketing, rural inclusion outreach, and MSME financing coordination
Coordination of branch operations with head office for compliance and governance
Significance
This office ensures Ujjivan’s services reach both urban and rural clients in western India, balancing western markets’ needs — including agriculture-linked finance, MSME credit, and retail banking.
East Regional Office — Kolkata, West Bengal
Address
4th Floor, Rishi Tech Park, Premises No. 02-0360, Plot No. DH-6/2, Action Area 1D,
New Town, Kolkata – 700156 (or 700160 as per some listings), West Bengal, India.
Regions Covered
Eastern states including West Bengal, Odisha, Jharkhand, Bihar, Assam, and other Northeast-adjacent states.
Key Functions
Oversight of branch network and customer service across eastern and northeastern regions
Financial inclusion initiatives, microfinance outreach, rural banking services
Loan disbursement, agri-loans, small business and MSME finance adapted to regional needs
Monitoring compliance, audits, and branch performance regionally
Customer grievance resolution and regional support for deposits, loans, and banking services
Significance
This office plays a critical role in ensuring banking reach in eastern India, where rural and semi-urban populations are substantial, supporting livelihoods and financial inclusion.
Nationwide Branch Network — Backbone of Ujjivan’s Service Delivery
Beyond head office and regional offices, Ujjivan Small Finance Bank operates a vast branch network — hundreds of branches across 26 states/UTs, covering 330+ districts.
These branches function as the primary touchpoint for customers — providing savings/current accounts, fixed/recurring deposits, micro-loans, vehicle/home/business loans, agriculture and allied loans, MSME financing, gold loans, and other banking services.
Some examples include small-town branches — demonstrating Ujjivan’s reach beyond major metros — such as a branch in Kendrapara (Ramnagarpatna), Odisha that serves local customers for deposits and loans.
This widespread reach ensures accessibility, convenience, and inclusion for millions — including rural and semi-urban populations often underserved by traditional banks.
Also Read:Konexions Back Offices in India
How Ujjivan Offices Work Together: Structure & Operations
Ujjivan’s office network operates with a hierarchical yet flexible structure that balances central governance with regional adaptability:
Head Office (Bengaluru) formulates strategy, policies, product design, compliance, and corporate governance
Regional offices (North, West, East, etc.) adapt and implement strategies locally — manage branches, oversee local credit/loan programs, ensure regulatory compliance, and respond to region-specific needs
Branches deliver direct banking services to customers — accounts, loans, deposits, remittances, microfinance, MSME support, etc.
Customer support and grievance redressal are coordinated via regional nodal officers and head office support lines, ensuring issues are resolved efficiently across regions.
Branch expansion and growth initiatives are managed centrally but executed regionally, allowing rapid scaling while maintaining local relevance and inclusion
This structure allows Ujjivan to combine the strengths of central banking discipline with regional outreach and grassroots-level banking — a blend essential for a small finance bank aiming for both inclusion and growth.
Core Services & Special Focus of Ujjivan SFB
Because of its widespread network and inclusive mission, Ujjivan offers a wide range of services and caters to diverse customer segments:
Savings and Current Accounts, Fixed Deposits, Recurring Deposits — retail banking at grassroot level
Micro-loans, microfinance, and small-ticket credit — for low-income, underserved sections, self-employed, rural households
MSME and small business loans — supporting small entrepreneurs, traders, and small enterprises
Vehicle loans, home loans, gold loans, personal loans — bridging credit needs for individuals across urban and rural India
Agriculture and allied loans — supporting farmers and allied rural sectors in agricultural states
Digital banking, internet banking, UPI, mobile banking — making banking accessible and convenient, even to remote customers
Insurance, remittance, and value-added services — offering comprehensive financial products beyond traditional banking
Through its combined network of head office, regional offices, and branches, Ujjivan aims to serve as a full-service bank — offering a mix of inclusive banking and modern banking facilities to all segments of society.
Recent Growth, Strategy & Future Plan (as of 2026)
Ujjivan SFB has been on a rapid expansion track: in FY24, the bank added 123 new branches across India, increasing its branch count significantly.
The bank aims to expand to nearly 1,150 branches in coming years, indicating aggressive plans to scale up its footprint and reach more customers.
To support this growth, the bank continues to strengthen its regional offices, expand human resources, and invest in digital banking infrastructure to provide seamless services across remote areas.
Ujjivan’s vision seems to be balancing financial inclusion with commercial banking viability — focusing on microfinance and underserved customers while also offering retail and MSME banking products.
FAQs
What is the head office address of Ujjivan Small Finance Bank?
The head office is located at Grape Garden, No. 27, 3rd A Cross, 18th Main, 6th Block, Koramangala, Bengaluru – 560095.
How many branches does Ujjivan SFB have across India (as of 2026)?
Over 750 branches across 26 States and Union Territories.
Which regions are managed by regional offices outside Bengaluru?
Regional offices such as North (Noida, UP), West (Pune, Maharashtra), East (Kolkata, West Bengal) handle operations across respective zones — covering clusters of states and branches.
What services can customers expect at local branches?
Savings/current accounts, fixed/recurring deposits, micro-loans, MSME loans, vehicle/home loans, gold loans, agricultural loans, small business loans, remittances, digital banking, insurance tie-ups, and more.
Does Ujjivan offer services in rural and semi-urban areas or only in metros?
Yes — a significant portion of its branch network is in rural and semi-urban areas, reflecting its inclusive banking mandate.
How can customers reach Ujjivan’s customer care?
Toll-free number: 1800 208 2121. NRI helpline: 080 6868 2121. Email: [email protected]
Does Ujjivan have special regional nodal officers for grievance redressal?
Yes — each regional office (South, North, East, West) has a Regional Nodal Officer for grievances; unresolved issues can be escalated to Principal Nodal Officer at head office.
What are Ujjivan’s future growth plans?
Ujjivan aims to expand its branch network to ~1,150 branches, increase cross-selling (insurance, mutual funds, credit cards, remittances), and deepen its reach in underserved markets.
Conclusion
Ujjivan Small Finance Bank stands out as a robust example of a small finance bank striving for financial inclusion while scaling retail and MSME banking operations across India. With its headquarters (ujjivan small finance bank head office) in Bengaluru, complemented by regional offices in Noida, Pune, Kolkata and a vast network of branches across 26 states, Ujjivan blends central banking discipline with local accessibility.
Its strategy — combining microfinance roots, inclusive banking mission, and modern banking products — helps it serve a diverse customer base, from rural farmers and small business owners to urban salaried individuals. As the bank expands to over a thousand branches, strengthens its regional management, and deepens customer outreach, Ujjivan is well-positioned to become one of the leading small finance banks in India.
Whether you are a customer looking for banking services, a small business owner needing credit, or someone interested in India’s banking evolution — Ujjivan’s network of offices and services makes it a relevant and accessible option across the country.
