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Uprashtrapati Chunav 2025: Process, Candidates & Significance

Uprashtrapati Chunav 2025: Process, Candidates & Significance What Is the Uprashtrapati Chunav? The Uprashtrapati Chunav , or Vice Presidential Election, is a pivotal event in India’s democratic framework. The Vice President serves as the second-highest constitutional authority and chairs the Rajya Sabha, ensuring legislative efficiency. How Is the Vice President Elected? The election follows a structured process: An Electoral College comprising MPs from both Lok Sabha and Rajya Sabha. Secret ballot voting system. Majority vote required for victory. Eligibility Criteria for Candidates Must be a citizen of India. Minimum age of 35 years. Qualified to become a Rajya Sabha member. Role of the Vice President The Vice President’s duties include: Presiding over Rajya Sabha sessions. Stepping in as Acting President during the President’s absence. Representing India in diplomatic engagements. 2025 Uprashtrapati Chunav: Key Highlights The 2025 election has garnered attention due to high...
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Ujjivan SFB’s Growth Strategy: Universal License & Future Plans

Ujjivan SFB’s Growth Strategy: Universal License & Future Plans

Ujjivan SFB’s Growth Strategy: Universal License & Future Plans

What is Ujjivan Small Finance Bank?

Ujjivan Small Finance Bank, a leading player in India’s financial inclusion landscape, focuses on serving underserved communities with micro-banking solutions. Established in 2017, it has grown rapidly, leveraging technology and a vast network of branches to offer savings accounts, loans, and insurance products.

Roadmap to Becoming a Universal Bank

In 2024, the RBI introduced eligibility criteria for small finance banks (SFBs) to transition to universal banks. Ujjivan Small Finance Bank aims to meet these requirements, including a ₹1,000 crore net worth and profitability over two consecutive years. Its management expects the RBI’s decision on its universal license application by December 2025.

  • Plans to raise ₹2,000 crore via QIP (Qualified Institutional Placement) within 18–24 months.
  • Targets tripling its deposit base to ₹1 lakh crore by FY30.
  • Aims to expand its loan book to ₹1 lakh crore by 2030.

Key Services & Innovations

Ujjivan Small Finance Bank offers tailored financial products:

  • Microfinance loans for women entrepreneurs
  • Affordable housing loans
  • Digital savings accounts with competitive interest rates
  • Insurance and pension schemes

Investor Outlook & Stock Performance

Analysts remain bullish on Ujjivan SFB’s growth potential. Antique Stock Brokers predicts a 58% upside, citing its scalable model and regulatory compliance. The bank’s shares surged 22% in 2025 following its expansion announcements.

Challenges Ahead

While scaling up, Ujjivan Small Finance Bank must navigate rising competition, asset quality risks, and regulatory scrutiny. Successful execution of its capital-raising plans and digital transformation will be critical.

Looking to Invest?

Interested in IPOs and financial stocks? Check our analysis of the Dev Accelerator IPO for more opportunities.

Do you think Ujjivan SFB’s universal bank transition will boost financial inclusion in India? Share your thoughts below!

Trending in India • 09 Sep 2025 07:01
Source: https://www.businesstoday.in/markets/stocks/story/ujjivan-sfb-shares-5-year-roadmap-sends-stock-soaring-58-upside-likely-says-antique-493139-2025-09-09

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