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The central bank has also advised Ujjivan to consider applying again after demonstrating a diversified asset pool.
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“The RBI through their aforesaid letter took note of the bank’s recent efforts toward diversification of its loan portfolio. However, they were of the view that there is scope for progress in this area,” Ujjivan said Monday in a stock exchange notice.
The regulator returned the application Monday.
Ujjivan’s gross loan portfolio stood at Rs 40,655 crore at the end of March, and nearly 52% of the assets include unsecured loans. The share of was 56.5% a year back.
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Although the regulator wants universal bank applicants to have diversified portfolios, it did not spell out specific details in its guidelines for making an application.
A little over 36% of the bank’s total portfolio are loans given to joint liability group members as of March 2026. The remaining part of the unsecured loans were given as individual loans.
Housing loans contributed about 26% of the total business. The bank also offers loans to small businesses (MSME loans), vehicle loans, agri loans and gold loans.
Earlier, in October last year, RBI also returned the universal banking application by .
Out of three universal banking applicants in the small finance bank space, only received an in-principle licence.
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