DBT Bureau
Pune, 23 Oct 2025
Ujjivan Small Finance Bank’s Hello Ujjivan app, a dedicated mobile banking platform exclusively for the bank’s microbanking customers, has facilitated over ₹690 crore in financial transactions since its launch. Purpose-built for Microfinance customers availing group and individual loan customers, most of whom are first-time digital banking users, the app has become a critical bridge between financial exclusion and economic empowerment.
With over 13 lakh downloads, Hello Ujjivan has achieved deep engagement among its microbanking users, 98 percent of whom are women, with an average user age of 35 years. The app has enabled ₹277 crore in loan repayments, ₹358 crore in deposits through fixed and recurring deposit accounts, ₹34 crore in individual loan disbursements, and facilitated more than 36,000 Hospicare insurance purchases worth ₹2.4 crore. Additionally, over five lakh loan disbursement acknowledgements have been completely acknowledged digitally there by cutting down on requirement for bank visit. This transition from physical to digital demonstrates a significant behavioural shift among customers previously unfamiliar with formal banking technology.
Hello Ujjivan has been designed with accessibility at its core. It combines voice assistance, visual navigation and multilingual functionality across 11 Indian languages, including Hindi, Marathi, Bengali, Tamil, Gujarati, Kannada, Malayalam, Punjabi, Assamese, Odia and English. By eliminating literacy and language barriers, the app enables microbanking customers to independently perform essential banking activities such as loan acknowledgements, repayments, savings and insurance in their preferred language and mode of communication. The app also supports end-to-end individual loan journeys, pre-approved and top-up disbursements, fund transfers via NEFT and IMPS processing over ₹20 crore in transactions, and financial literacy through its Digital Diksha feature. Digital Diksha helps customers from unserved and underserved segments plan and track their financial goals, providing real-time progress tracking and reminders, and encouraging long-term financial discipline.
Commenting on the app’s impact, Vibhas Chandra, Head of Micro Banking and Gold Loan, at Ujjivan Small Finance Bank, said, “The adoption of Hello Ujjivan signifies real financial empowerment for our microbanking customers. Its simple design, strong security features and range of services have enabled them to use the app with confidence. The trust they place in Hello Ujjivan reflects their growing comfort with digital banking and has helped them take greater control of their financial well-being, while encouraging us to further enhance the app’s capabilities.”
Building on its current success, Ujjivan SFB aims to further expand the app’s capabilities with a series of new features by FY26 to enhance customer convenience, deepen engagement and drive digital adoption at the bottom of the pyramid.
Hello Ujjivan’ s achievements have been recognised through multiple industry awards for bridging the digital divide in the customer segment. Recognitions for the Hello Ujjivan including the Aegis Graham Bell Award for Innovation in Consumer Tech recognized by MEITY in 2023, the SKOCH Award for Digital Consumer Application for the FY 24, the Business Today Best Banks Award for Technology Innovation FY 24, and its selection as a finalist at MIT Solve FY 24, a global platform for social impact innovation driven by Massachusetts Institute of Technology. The bank is now focused on scaling Hello Ujjivan as a digital accelerator for collections efficiency, loan disbursements, and cross-sell opportunities within its MicroBanking customer portfolio. The app’s success in driving a shift in financial behaviour positions it as a model for inclusive digital banking mission.
