Ujjivan Small Finance Bank’s mobile banking app, Hello Ujjivan, has achieved significant success in facilitating financial transactions and promoting digital literacy among its microbanking customers. Since its launch, the app has enabled over ₹690 crore in transactions, with over 13 lakh downloads and 98% of users being women with an average age of 35 years. The app has been designed to be accessible and user-friendly, with features such as voice assistance, visual navigation, and multilingual functionality in 11 Indian languages.
The app has facilitated ₹277 crore in loan repayments, ₹358 crore in deposits, ₹34 crore in individual loan disbursements, and over 36,000 Hospicare insurance purchases worth ₹2.4 crore. Additionally, it has enabled over five lakh loan disbursement acknowledgements to be completed digitally, reducing the need for physical bank visits. This shift from physical to digital demonstrates a significant behavioral change among customers who were previously unfamiliar with formal banking technology.
The app’s success can be attributed to its design, which eliminates literacy and language barriers, allowing microbanking customers to perform essential banking activities independently. The app also provides financial literacy through its Digital Diksha feature, which helps customers plan and track their financial goals. The app’s impact has been recognized through multiple industry awards, including the Aegis Graham Bell Award and the SKOCH Award.
Ujjivan Small Finance Bank aims to further expand the app’s capabilities with new features by FY26 to enhance customer convenience, deepen engagement, and drive digital adoption. The bank is 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 behavior positions it as a model for an inclusive digital banking mission.
The app’s achievements demonstrate the potential for digital banking to promote financial inclusion and empowerment, particularly among underserved segments. By providing accessible and user-friendly digital banking services, Ujjivan Small Finance Bank is helping to bridge the digital divide and promote economic growth. The bank’s commitment to expanding the app’s capabilities and scaling its impact is expected to have a positive impact on the financial lives of its microbanking customers.