Ujjivan Financial Services Ltd. is a holding company, which engages in the provision banking and financial services. It operates through the followings segments: Treasury, Retail Banking, and Corporate/Wholesale Banking. The Treasury segment deals with net interest earnings from the bank's investment portfolio, money market borrowing and lending, gains or losses on investment operations. The Retail Banking segment consists of lending to and deposits from retail customers and identified earnings and expenses. The Corporate/ Whole Sale Banking segment focuses on loans to corporates and financial institutions. The company was founded by Samit Ghosh and Srikrishna K. Ramamoorthy in October 31, 2005 and is headquartered in Bangalore, India.