Wednesday, June 1, 2016


Ujjivan is an Indian microfinance services company, established in 2005
Ujjivan disbursed Rs. 4,328 crore during the financial year 2014-15. The company clocked its net profit at Rs 55.03 crore for FY 2013-14. Since its inception, it has 423 branches in 24 states across India with a staff of over 6,500 employees.
Ujjivan is one of the founding members of Microfinance Institutions Network (MFIN) and Association of Karnataka Microfinance Institutions – organizations for propagating best practices in microfinance industry. It is an early adopter of codes of conduct prescribed by RBI and MFI industry. Ujjivan has worked closely with RBI to develop ‘Diksha’, a financial literacy program
Ujjivan received the MFI Transparency Award, Social Performance Reporting Award and First ever Unitus Accelerator Award (awarded to an MFI that best exemplifies the goal of accelerating microfinance through innovation, growth, and commitment to client needs), amongst others in 2010.
In 2011, Ujjivan won the “Microfinance Organization of the Year Award” for large MFIsThis award was a part of the Microfinance India Awards which were presented by ACCESS Development Services in association with HSBC at the 8th Annual Microfinance India Summit.
The internationally recognised Great Place to Work Institute which studies and compiles a list of the best workplaces listed Ujjivan Financial Services 14th in the best Indian companies to work in 2011.
In 2012, Ujjivan received the following awards:
·        16th place in the category ‘Top 50 firms above thousand employees’ 
·        2nd place in the Financial Services category for Best Companies to work for 
·        One of the Best Companies in Leadership Development
Ujjivan was recognized by The Smart Campaign, a global initiative to incorporate strong client-protection practices into the microfinance industry, as one of the five Indian Microfinance institutions that were Client Protection Certified for meeting strong standards of client care in 2013. It again got the 2nd place in the Financial Services category for Best Companies to work for.
Ujjivan Financial Services Ltd has informed BSE that the Board of Directors of the Company at its meeting held May 25, 2016, inter alia, has recommended a dividend at the rate of 5% i.e. Rs. 0.50 per equity share subject to the approval of the shareholders at the ensuing 12th Annual General Meeting (AGM). The dividend, if approved by the shareholders will be paid after the AGM date.





Have been to investing since 2003, since then i have lived through lot of ups and downs and faced all type of market environment. Learnt it a hard way in this markets that, it’s never easy to generate money without involving yourself. There is no short cut to make easy money. This can be done only by a proper planning as well execution of buying in to companies with strong earnings growth and very good balance sheet without getting effected emotionally. Always believe in Margin of safety and invest only with small amount to excellent companies over a period of time. My experience says that don`t just get in to market with a trader like mentality. Understand the principle of stock markets and its behavior at various times. It’s difficult but need to develop this to be successful, Don`t get complacent. So, keep it simple. I.e. buy low and sell high..Never try extravagant things like taking short positions, getting carried away by one or two successful trades and third one may well be a big loss..So, keep in mind that in equities there is always a Risk of 10-20% downside, if you are with good quality stocks you are bound to recover...never buy a stock because it looks cheap (Penny Stocks), never buy a stock because it had a large correction...buy in to market leaders of the segment. 
Patience pays if you pick the right stocks at the right time. Understand the market psyche before committing any money in to markets. Market itself will give you an answer when to buy or when to book profits. 
For more transparency we all need to discuss about all the stocks.I am not giving any suggestions i am sharing my knowledge through my blog.Thanking you,