Ujjivan Financial Services Limited, formerly Ujjivan Financial Services Private Limited, is a non-banking finance company engaged in the micro finance lending business. The Company's products and services include Microfinance, Micro and Small Enterprise Business (MSE) Finance, Agriculture and Animal Husbandry Finance, and Housing Finance. Its products are classified under two categories: Group Loans and Individual Loans. Its products are further sub-divided into agricultural, education, home improvement, home purchase and livestock loans. MSE and Housing loans are both secured and unsecured loan products, which are available for both existing and open market customers. It serves economically poor in urban and semi urban areas. Through its partnership with Bajaj Allianz Life Insurance Company, it offers life insurance to its customers and their spouses. It operates through approximately 470 branches spread over 20 states in approximately four regions: South, East, North and West.