Jackpot Sure Shot Tip

Jackpot tip, as the name suggests has the potential to get you more money Profit as it is not the number of tips one trades; but it is the accuracy of a single tip which has the potential to help you realise your financial dreams. This tip is a value for money for all i.e whether one can see the trading terminal or not or is dealing through a broker on phone at BSE, NSE or in F&O. Thus you are on a correct path of making money every day with single daily accurate tip. Click on Image or Post Title to Read More.

rocket call

Recover Lost Money Plan

A number of traders have lost their money in the market due to wrong trading advice or emotional decisions. We keep on getting a number of requests for helping these traders recover their lost money. We are proud to say that till date we have helped 1368 people recover their lost money. Get Back your lost money with our Precision Tips backed by timely info and accurate technical analysis. Click on Image or Post Title to Read More.

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Awards and Recognition

An award is something which is awarded based on Merit. Awards & Recognition are a must in Life as it provides the necessary vigour to keep progressing ahead in Life. Awards do not only acknowledge success; they recognise many other qualities: ability, struggle, effort and, above all, excellence. This is the reason that for past 22 Years we have been christined as Best Stock Market Tips Provider & we are at the 'Top' in this field. Check out our Awards by clicking on Image or Post Title Now!!

Best share market tips provider award in India

Jackpot Sure Shot Tip

Jackpot tip, as the name suggests has the potential to get you more money Profit as it is not the number of tips one trades; but it is the accuracy of a single tip which has the potential to help you realise your financial dreams. This tip is a value for money for all i.e whether one can see the trading terminal or not or is dealing through a broker on phone at BSE, NSE or in F&O. Thus you are on a correct path of making money every day with single daily accurate tip. Click on Image or Post Title to Read More.

rocket call

Recover Lost Money Plan

A number of traders have lost their money in the market due to wrong trading advice or emotional decisions. We keep on getting a number of requests for helping these traders recover their lost money. We are proud to say that till date we have helped 1368 people recover their lost money. Get Back your lost money with our Precision Tips backed by timely info, accurate technical analysis which is backed by 30 Days Money Back Guarantee. Click on Image or Post Title to Read More.

Recover Market Losses, Recover money lost with your stock broker

Awards and Recognition

An award is something which is awarded based on Merit. Awards & Recognition are a must in Life as it provides the necessary vigour to keep progressing ahead in Life. Awards do not only acknowledge success; they recognise many other qualities: ability, struggle, effort and, above all, excellence. This is the reason that for past 22 Years we have been christined as Best Stock Market Tips Provider & we are at the 'Top' in this field. Check out our Awards by clicking on Image or Post Title Now!!

Best share market tips provider award in India

Ujjivan Small Finance IPO : To Subscribe or Not

About the Company

Ujjivan Small Finance Bank Limited (USFB), incorporated in 2017, offers small finance to underserved & unserved segments in India. On October 7, 2015, UFSL received RBI In-Principle Approval to establish an SFB, following which it incorporated Ujjivan Small Finance Bank Limited as a wholly-owned subsidiary. UFSL offers small size loan products to economically poor women, individual loans to Micro and Small Enterprises (MSEs).

Among the leading SFBs in India, the Bank had the most diversified portfolio spread across 24 states and union territories as of March 31, 2019. Strength Pan-India presence: As of September 30, 2019, the company was present in 24 states and union territories encompassing 232 districts in India.

As of September 30, 2019, it operated from 552 Banking Outlets that included 141 Banking Outlets in URCs (of which seven were business correspondent centers) and additionally operated four Asset Centres. Its diversified operations also allow it to de-risk its business by mitigating political and state-specific risks. As of September 30, 2019, it operated 131, 167, 173 and 81 Banking Outlets (including in URCs) in the North, South, East and West regions, respectively.

Diversified portfolio offering: USFB launched “Sampoorna Banking” in April 2019. USFB's portfolio of products and services include various asset and liability products and services. Its asset products comprise:
(i) loans to micro banking customers that include group loans and individual loans,
(ii) agriculture and allied loans,
(iii) MSE loans,
(iv) affordable housing loans,
(v) financial institutions group loans,
(vi) personal loans, and
(vii) vehicle loans. A customer-centric organization with multiple delivery channels:

As of September 30, 2019, USFB served 4.94 million customers and operated from 552 Banking Outlets that included 141 Banking Outlets in Unbanked Rural Centres ("URCs") (of which seven were business correspondent centers) and additionally operated four Asset Centres. In Fiscal 2019 alone, it operationalized 287 Banking Outlets.

As of September 30, 2019, it had a network of 441 ATMs that accept RuPay, Visa and MasterCard. As of September 30, 2019, its two 24/7 phone banking units based in Bengaluru and Pune service customers in 11 languages while its mobile banking application is accessible in five languages. Strong track record of financial performance: Its Net Interest Income in Fiscal 2018 and 2019 was Rs 861Cr and Rs 1106.4 Cr, respectively, and was Rs 740.42 Cr in the six months ended September 30, 2019. Its Net Interest Margins (NIM) in Fiscal 2018 and 2019 were 10.31% and 10.93%, respectively, and was 10.64% in the six months ended September 30, 2019.

Total deposits have increased from Rs 206.40 Cr as of March 31, 2017, to Rs 7379.44 Cr as of March 31, 2019 and were Rs 10129.85 Cr as of September 30, 2019. Of its total deposits, its share of retail deposits has increased from 3.15% as of March 31, 2017 to 37.07% as of March 31, 2019 and was 41.93% in the six months ended September 30, 2019. Moreover, its CASA to total deposits ratio has improved from 1.57% as of March 31, 2017 to 10.63% as of March 31, 2019 and was 11.87% as of September 30, 2019.

Strategy Diversify product offerings to enable multiple customer relationships

As per the company its endeavor is to be a one-stop-shop for financial services, delivering quality products and solutions, along with a personalized customer experience to a diversified customer base. Continue to focus on technology and data analytics to grow operations: The optimum use of advanced, cost-effective technology has significantly driven its operations, and going forward, it intends to strategically invest its resources for further integration of technology into its operations. Strengthen liability franchise and focus on increasing its retail base: It believes that with simple, flexible products, which are accessible through assisted and self-service channels, it can position itself as a reliable alternative to informal players.

Diversify its revenue streams

As per the RHP, an important strategic focus for the company is to diversify fees and non-fund based revenues. It intends to leverage on its Banking Outlet network, digital channels and its increasingly diversified product and service portfolio to develop its fee and commission-based business.

Risk Factors

• Limited operating history
• Subject to stringent regulatory requirements and prudential norms
• The banking industry is very competitive.

Outlook 

Ujjivan Small Finance Bank Limited is a mass-market focused Small Finance Bank in India. It has established a diversified portfolio, spread across 24 states and union territories as of 31 March 2019. Meanwhile, the total gross advances are 12863.65 Crore, out of which almost 80% of the advances are unsecured, which is under the category of microlending. Taking into account its growth prospects, the issue price is attractively valued. A long term investor may opt for the issue and short term trader can subscribe for listing gains. However, if you do not want to invest the excess amount you can check our equity intraday tips and use the margin facility and be on the side of traders group which make money in the market.

As a disclaimer as a group we are subscribing for the IPO and we have given a buy call to clients to subscribe in this issue.

Jackpot Sure Shot Tip

Jackpot tip, as the name suggests has the potential to get you more money Profit as it is not the number of tips one trades; but it is the accuracy of a single tip which has the potential to help you realise your financial dreams. This tip is a value for money for all i.e whether one can see the trading terminal or not or is dealing through a broker on phone at BSE, NSE or in F&O. Thus you are on a correct path of making money every day with single daily accurate tip. Click on Image or Post Title to Read More.

rocket call

Recover Lost Money Plan

A number of traders have lost their money in the market due to wrong trading advice or emotional decisions. We keep on getting a number of requests for helping these traders recover their lost money. We are proud to say that till date we have helped 1368 people recover their lost money. Get Back your lost money with our Precision Tips backed by timely info, accurate technical analysis which is backed by 30 Days Money Back Guarantee. Click on Image or Post Title to Read More.

Recover Market Losses, Recover money lost with your stock broker

Awards and Recognition

An award is something which is awarded based on Merit. Awards & Recognition are a must in Life as it provides the necessary vigour to keep progressing ahead in Life. Awards do not only acknowledge success; they recognise many other qualities: ability, struggle, effort and, above all, excellence. This is the reason that for past 22 Years we have been christined as Best Stock Market Tips Provider & we are at the 'Top' in this field. Check out our Awards by clicking on Image or Post Title Now!!

Best share market tips provider award in India

Old Stocks Analysis : Click to Visit Link

 
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