Ujjivan’s strength has always been its focus on everyday customers—salaried workers, small traders, and micro-businesses who still rely on branch banking for cash and documentation. Ujjivan Small Finance Bank continues to follow a disciplined branch schedule, but 2026 brings a small yet important shift.
While the traditional “10 to 4” model remains the backbone of operations, most urban branches now open earlier at 9:30 AM. This early window helps reduce the mid-morning rush and gives customers a head start. Understanding this update can make your branch visit far smoother.
Ujjivan Small Finance Bank Opening Time
As per the 2026 update, many urban Ujjivan branches officially open at 9:30 AM.
This early opening allows customers to begin basic banking work before peak hours. However, in some locations, full counter activity may still build up gradually toward 10:00 AM. Rural and semi-urban branches generally continue with the standard 10:00 AM start.
For the smoothest experience, visiting between 9:30 AM and 11:00 AM works well in most branches.
Ujjivan Small Finance Bank Closing Time
The official closing time remains 4:00 PM across the network.
Customers should not assume entry is allowed till the last minute. Most branches begin winding down new requests after 3:30 PM, especially for paperwork or multi-step services.
To avoid delays or refusal, it’s best to enter the branch by 3:15–3:30 PM.
Ujjivan Small Finance Bank Cash Transaction Timings
Cash services continue to follow a firm cut-off.
- Cash deposit and withdrawal timing: 9:30/10:00 AM to 3:30 PM
Even though branches stay open until 4:00 PM, cash counters typically close 30 minutes earlier to allow time for reconciliation and compliance checks.
If cash is your main purpose, try to finish it before 3:00 PM.
Ujjivan Small Finance Bank Lunch Time Policy
Ujjivan follows a staggered lunch system, not a full shutdown.
What customers usually experience:
- Branch remains open throughout the day
- Slight slowdown between 1:00 PM and 2:30 PM
- Temporary unavailability of certain officers
Late morning remains the most efficient time for documentation, account updates, or service requests.
Ujjivan Small Finance Bank Working Days & Saturday Timings
- Monday to Friday: Open from 9:30/10:00 AM to 4:00 PM
- Saturday:
- Closed on 2nd and 4th Saturdays
- Open on 1st, 3rd, and 5th Saturdays with regular timings
- Sunday: All branches remain closed
Branches also observe national and state-specific bank holidays.
ATM and Digital Banking Availability
Even outside branch hours:
- Ujjivan Small Finance Bank ATMs operate 24×7, subject to cash availability
- Mobile and internet banking allow balance checks, transfers, bill payments, and service requests anytime
These channels reduce the need for branch visits for routine tasks.
Time It Right, and Banking Feels Easy
With the 9:30 AM early start in urban branches, Ujjivan has quietly made branch banking more flexible without changing its core structure. If you arrive early, finish cash work before mid-afternoon, and avoid the lunch slowdown, most visits take far less time than expected.
Ujjivan still runs on a simple clock—but knowing where that clock has shifted makes all the difference.
