Ujjivan Small Finance Bank began operations in 2016, evolving out of a microfinance institution originally focused on financial inclusion for underserved communities. Today it has a presence across 24 states, still carrying that founding emphasis on retail savers, small traders, and micro-businesses — the kind of customer base that tends to lean more heavily on branch visits than digital-first banking.
Daily Branch Hours
Most sources consistently point to a 9:30 AM opening and a 4:00 PM general close, which puts Ujjivan in line with the standard private and small finance bank pattern seen across much of this series.
| Day | Branch Hours |
| Monday–Friday | 9:30 AM – 4:00 PM |
| Saturday (except 2nd & 4th) | Same general pattern |
| 2nd & 4th Saturday | Closed |
| Sunday | Closed |
| National/State Bank Holidays | Closed |
Cash Counter Cutoff
Cash counters typically stop taking deposits and withdrawals around 3:30 PM, half an hour ahead of the branch’s general 4:00 PM closing. This gives staff time for balancing and compliance checks before the day wraps up. If your visit involves cash, arriving well before 3:30 PM keeps you comfortably clear of the cutoff rather than cutting it close.
RTGS and NEFT: A Genuinely Detailed Picture
Ujjivan’s transfer timings come with more specificity than several other small finance banks in this series, drawing on both the bank’s own IFSC documentation and RBI’s stated settlement cycles:
- NEFT through the branch — one source specifies 9:30 AM to 6:00 PM, Monday to Saturday, unavailable on the 2nd and 4th Saturday; a separate source frames it around RBI’s twelve daily settlement batches running 8:00 AM to 7:00 PM on weekdays and working Saturdays, with no settlement cycles on Sunday
- NEFT (online) — should follow the standard 24×7 rule applied industry-wide
- RTGS through the branch — available on weekdays and Saturdays, unavailable on Sundays and national holidays, used specifically for transfers of ₹1 lakh and above
- NEFT fee structure — notably, Ujjivan charges nothing for receiving money via NEFT, a detail specifically confirmed in the bank’s own IFSC documentation
Given that the two NEFT windows cited above (9:30 AM–6:00 PM versus the RBI settlement-cycle framing of 8:00 AM–7:00 PM) don’t perfectly match, the safer read is that Ujjivan’s branch-level NEFT cutoff sits somewhere within that broader RBI settlement window, but confirming the exact figure with your specific branch is worthwhile if timing genuinely matters.
Lunch: Staggered, Branch Stays Open
Ujjivan follows the standard staggered-lunch approach seen across most banks in this series — branches don’t close for lunch, and staff rotate through breaks to keep counters functioning. Specific hour ranges weren’t detailed in current sourcing, but following industry norms, expect this to fall somewhere in the early-to-mid afternoon.
Best Time to Visit
9:30 AM to 11:00 AM remains the consistently recommended window — ahead of any midday slowdown and comfortably within the cash counter’s active hours. Since general customer services and cash handling both wind down before the branch’s actual closing time, treating late morning as your target rather than the early afternoon avoids any last-minute scramble.
Working Saturdays
Ujjivan follows the RBI’s standard alternate-Saturday framework, confirmed across multiple sources: closed on the 2nd and 4th Saturday of each month, with service continuing on the remaining Saturdays under the same general schedule as weekdays.
Beyond Branch Hours
- Ujjivan Net Banking and Mobile Banking — available for transfers, bill payments, and account management outside branch hours
- NEFT, RTGS, and IMPS — all supported through the bank’s digital channels, alongside UPI for fund transfers via IFSC or UPI ID
- ATM network — accessible for withdrawals and balance checks
- Customer support — 1800-3010-2121, available for account-related help alongside branch visits
FAQs
Q1. What are Ujjivan Small Finance Bank’s standard branch hours?
9:30 AM to 4:00 PM on working days and working Saturdays, consistent with the standard small finance bank pattern.
Q2. Does Ujjivan close for lunch?
No. Staff rotate through breaks to keep the branch functioning throughout the day, in line with standard practice across Indian banking.
Q3. When do cash counters actually stop working?
Around 3:30 PM, half an hour before the branch’s general 4:00 PM closing time.
Q4. Does Ujjivan charge for NEFT transfers?
The bank’s own documentation confirms no charge for receiving money via NEFT — worth knowing if you’re comparing costs across banks.
Q5. Is Ujjivan Small Finance Bank open on all Saturdays?
No — the bank closes on the 2nd and 4th Saturday of each month, following the standard RBI rule, with service continuing on the remaining Saturdays.
