{"product_id":"ujjivansfb-business-model-canvas","title":"Ujjivan Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUjjivan Microfinance BMC: Customer-Centric Growth \u0026amp; Inclusion\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore Ujjivan’s customer-focused microfinance engine with our concise Business Model Canvas—discover value propositions, distribution channels, and revenue levers that fuel growth in underserved markets and drive financial inclusion.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Digital Payment Collaborators\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCollaborations with fintechs let Ujjivan integrate instant payments and alternative credit scoring (e.g., transaction-based models), cutting onboarding time to under 10 minutes and raising digital loan approvals by 28% in 2024; third-party APIs also trimmed internal dev costs ~22%, keeping the bank competitive in India’s 2025 digital-payments market projected at $1.3 trillion.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance and Third-Party Product Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUjjivan partners with insurers like SBI Life and Tata AIA to sell life, health, and general policies via bancassurance, driving non‑interest income that was ~12% of FY2024 fee revenue and helping cover 1.9 million low‑income borrowers against shocks.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBusiness Correspondents and Field Agents\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStrategic alliances with ~28,000 Business Correspondents (BCs) and field agents extend Ujjivan’s reach into remote areas, letting the bank avoid branch capex while serving last-mile customers; BCs handle cash deposits, withdrawals and basic accounts, supporting Ujjivan’s ~6.5 million active customers across semi-urban and rural India as of FY2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory and Industry Bodies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eActive engagement with the Reserve Bank of India and the Small Finance Bank Association keeps Ujjivan aligned with evolving rules; as of FY2024 Ujjivan SFB reported a CRAR (capital to risk-weighted assets) of 19.6%, helping meet RBI capital adequacy norms.\u003c\/p\u003e\n\u003cp\u003eThese partnerships help navigate priority sector lending targets (40% for domestic banks); strong regulator ties boost institutional credibility and reduce regulatory friction, supporting steady operations and deposit growth (+12% YoY in FY2024).\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCRAR 19.6% (FY2024)\u003c\/li\u003e\n\u003cli\u003ePriority sector target 40%\u003c\/li\u003e\n\u003cli\u003eDeposit growth +12% YoY (FY2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Infrastructure Vendors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank relies on specialized IT vendors to run its core banking system and cloud infrastructure, delivering 99.95% uptime and PCI-DSS-level security to handle ~35 million annual transactions as of FY 2024.\u003c\/p\u003e\n\u003cp\u003eThese partners supply hardware\/software updates and threat monitoring, reducing breach incidents by ~40% year-over-year and enabling scalable operations to support projected customer growth to ~6.5 million by 2026.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e99.95% uptime\u003c\/li\u003e\n\u003cli\u003e~35M transactions (FY2024)\u003c\/li\u003e\n\u003cli\u003e~40% fewer breaches YoY\u003c\/li\u003e\n\u003cli\u003eTarget ~6.5M customers by 2026\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePartnership-fueled growth: 6.5M users, 35M txns, +12% deposits, 28% digital approvals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKey partnerships (fintechs, insurers, 28,000 BCs, IT vendors, RBI\/SFBA) cut onboarding \u0026lt;10 mins, raised digital approvals +28% (2024), drove non‑interest income ~12% of fee revenue (FY2024), supported 6.5M active customers and 35M transactions (FY2024), CRAR 19.6%, deposits +12% YoY; uptime 99.95%, breaches -40% YoY.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eActive customers\u003c\/td\u003e\n\u003ctd\u003e6.5M (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTransactions\u003c\/td\u003e\n\u003ctd\u003e35M (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCRAR\u003c\/td\u003e\n\u003ctd\u003e19.6% (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposit growth\u003c\/td\u003e\n\u003ctd\u003e+12% YoY (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA comprehensive Business Model Canvas for Ujjivan Microfinance that maps customer segments, value propositions, channels, revenue streams, and key partners, reflecting real-world operations and strategic priorities.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of Ujjivan’s business model with editable cells, condensing its microfinance-to-banking strategy into a digestible one-page snapshot for quick review and team collaboration.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMicro-loan Disbursement and Portfolio Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThis core activity targets underserved borrowers via field agents and digital outreach, using traditional credit checks plus alternative data (mobile, bill payments, psychometric scores) to underwrite loans; Ujjivan Small Finance Bank reported a gross NPA of 1.34% and PCR 71.8% as of FY2024, reflecting disciplined underwriting. The bank handles lifecycle tasks—disbursement, EMI collection via group meetings or digital channels, and portfolio monitoring—to sustain ~97% recovery rates in stable months.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDeposit Mobilization and Liability Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUjjivan builds a granular deposit base via competitive savings and fixed-deposit rates, converting micro-borrowers to savers—retail deposits grew to 58% of liabilities by FY2024 (Dec 2024 data), lowering wholesale funding needs.\u003c\/p\u003e\n\u003cp\u003eDaily liability management balances deposit cost against advance yields to protect NIMs; Ujjivan reported a NIM of 5.1% in FY2024, so funding mix and cost control are monitored continuously.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Transformation and Platform Maintenance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUjjivan prioritises continuous improvement of digital channels like the Hello Ujjivan app, adding voice and visual cues to aid semi-literate and first-time users; app active users rose to ~1.2 million by Dec 2025, a 35% YoY increase. Maintaining scalable cloud infra and 99.9% uptime supports its strategy to be a digital-first small finance bank, with digital transactions reaching ~48% of total volume in FY2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Compliance and Risk Mitigation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank enforces continuous monitoring for KYC, AML, and priority sector lending rules from the Reserve Bank of India, with 2024 internal audits covering 100% of branches and reducing reportable compliance incidents by 28% year-on-year.\u003c\/p\u003e\n\u003cp\u003eRisk assessments identify default hotspots early; credit-risk reviews cut NPA migration by 15 bps in FY2024, protecting the banking licence and depositor trust.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e100% branches audited in 2024\u003c\/li\u003e\n\u003cli\u003e28% drop in reportable incidents YoY\u003c\/li\u003e\n\u003cli\u003eNPA migration reduced 15 basis points FY2024\u003c\/li\u003e\n\u003cli\u003eRegular KYC\/AML sweeps and PSL tracking\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Literacy and Community Outreach\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eUjjivan runs large-scale financial literacy drives that in 2024 reached ~1.2 million clients across urban poor segments, raising formal savings uptake by 18% and cutting delinquency among trained borrowers by 9% year-over-year.\u003c\/p\u003e\n\u003cp\u003eThese outreach sessions act as first contact points, converting education into loyalty: trained households show 22% higher cross-sell rates and 14% larger average deposit balances.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eReached ~1.2M clients in 2024\u003c\/li\u003e\n\u003cli\u003eSavings uptake +18% post-training\u003c\/li\u003e\n\u003cli\u003eDelinquency -9% among trained borrowers\u003c\/li\u003e\n\u003cli\u003eCross-sell rate +22% vs untrained\u003c\/li\u003e\n\u003cli\u003eAvg deposit +14% for trained households\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigitally-driven lender: strong recovery, low NPAs, 58% retail deposits, 1.2M app users\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCore activities: field and digital sourcing, alternative-data underwriting, disbursement\/collection, deposit mobilisation, digital channel ops, compliance and risk monitoring, and large-scale financial literacy—supporting FY2024 metrics: gross NPA 1.34%, PCR 71.8%, NIM 5.1%, retail deposits 58% of liabilities, ~97% recovery, app users ~1.2M (Dec 2025), digital tx ~48% (FY2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eGross NPA (FY2024)\u003c\/td\u003e\n\u003ctd\u003e1.34%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePCR (FY2024)\u003c\/td\u003e\n\u003ctd\u003e71.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM (FY2024)\u003c\/td\u003e\n\u003ctd\u003e5.1%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail deposits (FY2024)\u003c\/td\u003e\n\u003ctd\u003e58%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRecovery rate\u003c\/td\u003e\n\u003ctd\u003e~97%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eApp users (Dec 2025)\u003c\/td\u003e\n\u003ctd\u003e~1.2M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital tx (FY2025)\u003c\/td\u003e\n\u003ctd\u003e~48%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eFull Version Awaits\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the actual Ujjivan Business Model Canvas—not a mockup or sample—and shows the exact content and layout included in the final deliverable.\u003c\/p\u003e\n\u003cp\u003eWhen you purchase, you’ll receive this same fully editable file, formatted and structured identically, ready for presentation, analysis, or customization.\u003c\/p\u003e\n\u003cp\u003eNo placeholders or hidden sections—what you see in the preview is what you will download and use immediately after purchase.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56749535166841,"sku":"ujjivansfb-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/ujjivansfb-business-model-canvas.png?v=1772214893","url":"https:\/\/growthsharematrix.com\/products\/ujjivansfb-business-model-canvas","provider":"Growth Share Matrix","version":"1.0","type":"link"}