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Ujjivan Small Finance Bank Future Projections

• Ujjivan Small Finance Bank aims to grow its loan portfolio to ₹1 lakh crore and expand its branch network to over 1,000 in five years.

• The bank is shifting its focus towards secured loans, aiming for them to constitute 65-70% of its portfolio by March 2030, while awaiting RBI's decision on its universal bank transition application.

• The bank wants to balance unsecured loans to avoid regulatory concerns and manage balance sheet volatility.

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