1. Ujjivan Financial Services 2011

2. Ujjivan in a snap shot Established in Bangalore in November 2005 Serves 1.1 million customers in 20 states 332 branches & 3800 employees Loans disbursed Rs.2489 Crores Loan outstanding Rs. 652 Crores Repayment Rate – 98.05% Number of loans disbursed in August: 103,000 Number of repayments processed in August: 800,000 Number of life insurance issued in August: 50,000

3. MFI’s Standard Loan Transactions  Average Loan size : Rs.15,000  This loan has to be acquired & serviced over a one year tenor  Acquisition & servicing on a weekly or monthly basis is done at customer’s door-step on a person to person basis.  All transactions done in cash.  Maximum interest charged 26% p.a.: Interest revenue – Rs. 1840  Maximum operating expenses over one year of loan- Rs.850

4. Ujjivan’s Technology Infrastructure Banker’s Realm. Net Version - Core Banking System  Web based version which provides on line connectivity of 333 branches with centralized back end.  Requires access to credit bureau for credit approval  Allows for outsourcing of data entry to reduce cost Future:  Successfully piloted with Artoo, loan application processing & transacting cash collections from the field using Android Devices.

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