Ujjivan SFB ATM Guide: Locate, Withdraw, Limits & Charges

Ujjivan SFB ATM Guide : In today’s fast-paced digital world, the humble ATM remains an indispensable pillar of our financial lives. Whether it’s for quick cash, checking a balance, or depositing funds, easy access to a reliable ATM network is crucial. For customers and prospective customers of Ujjivan Small Finance Bank (SFB), understanding the ins and outs of their ATM services is key to a seamless banking experience.

This comprehensive guide is your one-stop resource for everything related to Ujjivan Small Finance Bank ATMs. We will go far beyond a simple ATM locator. We’ll delve into how to find the nearest ATM using various methods, understand the associated charges and limits, troubleshoot common issues, and explore the digital alternatives that Ujjivan SFB offers. Our goal is to empower you with all the knowledge you need to manage your finances conveniently and efficiently.

Understanding Ujjivan Small Finance Bank: A Mission for Financial Inclusion

Before we dive into the specifics of ATMs, it’s important to understand the institution behind them. Ujjivan Small Finance Bank began its journey as Ujjivan Financial Services, a microfinance institution established in 2005 with a strong social mission: to provide financial services to the economically underserved segments of society.

After receiving the license from the Reserve Bank of India (RBI) to operate as a Small Finance Bank, it commenced banking operations in February 2017. This transition allowed Ujjivan to expand its portfolio from primarily microcredit to a full-range of banking products, including savings accounts, current accounts, fixed deposits, and of course, a dedicated ATM network.

The bank’s ethos is built on customer-centricity, which is reflected in its growing physical and digital infrastructure. Their ATM network is a critical component of this, ensuring customers have tangible access to their money.

How to Find a Ujjivan Small Finance Bank ATM Near You

The most common query is undoubtedly about location. “Where is the nearest Ujjivan ATM?” Fortunately, the bank provides multiple, user-friendly ways to locate an ATM, catering to both tech-savvy users and those who prefer more traditional methods.

1. The Official Ujjivan SFB ATM Locator Page (The Best Method)

The most accurate and updated source is always the bank’s own website.

Here’s a step-by-step guide:

1. Visit the Official Website: Go to the Ujjivan Small Finance Bank website: www.ujjivansfb.in.

2. Navigate to ‘Locate Us’: In the main menu, you will find a tab labeled ‘Locate Us’. Hover or click on it.

3. Select ‘ATM’: A dropdown menu will appear with options like ‘Branch’, ‘ATM’, and ‘Business Correspondent’. Select ‘ATM’.

4. Use the Search Tool: You will be directed to a page with a search bar and an interactive map.

   • You can search by ‘City’ or by ‘Pincode’.

   • Simply type your city name (e.g., “Bengaluru”) or your specific pin code (e.g., “560001”) into the search bar and hit enter.

5. Analyze the Results: The map will automatically populate with red pin markers indicating all Ujjivan SFB ATMs in that area.

   • Click on any pin marker to see the exact address of the ATM.

   • The list view on the side provides the same information in a textual format, which is useful if you are looking for an ATM on a specific street or landmark.

Pro Tip: If you are on the go, you can access this page on your smartphone’s browser. The site is mobile-responsive, making it easy to find an ATM from anywhere.

2. The Ujjivan SFB Mobile Banking App

For most customers, the mobile app is the most convenient tool for daily banking, including locating ATMs.

Log in to your Ujjivan SFB mobile banking application.

1. Look for a section or menu option called ‘Services’, ‘More’, or ‘Locate Us’.

2. The app will typically use your phone’s GPS location to automatically find the ATMs nearest to your current location.

3. It will display a list sorted by distance and often provide integrated map functionality (like Google Maps) to give you turn-by-turn directions.

Using the app is often faster than the website as it doesn’t require manual input of your location.

3. Third-Party ATM Locators and Maps

Sometimes, using a familiar third-party tool can be easier. While the information might not be as meticulously updated as the bank’s own database, these are excellent alternatives.

• Google Maps: This is arguably the most powerful tool. Open Google Maps on your phone or computer and type “Ujjivan ATM” or “Ujjivan SFB ATM” in the search bar. Google will show all the nearby locations with user ratings, photos, and sometimes even information about whether the ATM is working or not. This crowd-sourced data can be incredibly valuable.

• ATM Hunter Apps: There are various generic ATM locator apps available on Play Store and Apple App Store that aggregate data from multiple banks.

4. Good Old-Fashioned Customer Care

If you are not comfortable with digital methods or face issues, a simple phone call can solve your problem.
You can call the Ujjivan SFB customer care helpline and ask the executive to guide you to the nearest ATM. They have access to the bank’s database and can provide you with the address and directions.

• Ujjivan SFB Customer Care Number: 1800 258 2121 (Toll-free)

Ujjivan Bank ATM Charges: What You Need to Know to Avoid Fees

Understanding the fee structure is vital to avoid unpleasant surprises on your bank statement. ATM charges are regulated by the RBI, but banks do have some leeway. Here’s a breakdown of the typical charges applicable to Ujjivan SFB ATM transactions.

For Ujjivan SFB Account Holders:

• Transactions at ANY Ujjivan SFB ATM: Absolutely free. You can perform unlimited transactions (both financial and non-financial) at any Ujjivan-branded ATM across India without incurring any charges.

• Transactions at Other Bank ATMs:

  • Free Transactions: The RBI mandates that banks must offer a certain number of free transactions every month at other bank ATMs. This includes:

    • 5 free financial transactions (e.g., cash withdrawals) per month in metro cities (Mumbai, New Delhi, Chennai, Kolkata, Bengaluru, and Hyderabad).

    • 5 free financial transactions in non-metro cities.

    • Unlimited free non-financial transactions (e.g., balance inquiry, mini statement) at all locations.

  • Beyond Free Limit: If you exceed the number of free transactions at other bank ATMs in a month, you will be charged as follows:

    • Financial Transaction (Cash Withdrawal): Rs. 20 + GST (Effective Rs. 21.50 approximately).

    • Non-Financial Transaction (Balance Inquiry): Rs. 5 + GST (Effective Rs. 5.75 approximately).

For Non-Ujjivan Bank Customers (Using a Ujjivan ATM):

If you have an account with another bank (e.g., SBI, HDFC, ICICI) and use a Ujjivan SFB ATM, your bank will charge you as per their policy. Typically, most banks offer 3-5 free transactions per month at other bank ATMs before similar charges (Rs. 20 + GST for withdrawals) apply.

Important Note: These charges are subject to change as per RBI guidelines and bank policies. It is always recommended to check the latest schedule of charges on the official Ujjivan SFB website or by contacting customer care.

Ujjivan ATM Transaction Limits: How Much Can You Withdraw?

To ensure security and manage operational liquidity, banks impose limits on ATM transactions. These limits can vary based on your account type (e.g., basic savings account, premium account) and the card you hold (Classic, Platinum, etc.).

Here are the general limits, but you should confirm yours specifically through your account statement or net banking:

• Cash Withdrawal per Transaction: The maximum amount you can withdraw in a single transaction is typically ₹10,000 for most standard debit cards. Some higher-tier cards may allow up to ₹15,000 or more.

• Cash Withdrawal per Day: The total amount you can withdraw from an ATM in a 24-hour period is usually capped at ₹25,000 to ₹40,000 for most account holders.

• Number of Transactions per Day: There might also be a limit on the number of transactions you can perform in a day, often around 10-15 transactions.

How to Check Your Personal Limit: The best way to know your specific ATM withdrawal limit is to:

1. Check the welcome kit brochure you received with your debit card.

2. Log in to NetBanking or the Mobile Banking App and look for ‘Debit Card Services’ or ‘Card Limits’.

3. Call customer care and inquire.

Beyond Cash Withdrawal: Other ATM Services Offered

Modern ATMs are multifunctional machines. While cash withdrawal is the primary function, Ujjivan SFB ATMs likely support a host of other services:

• Mini Statement Generation: Get a quick printout of your last 8-10 transactions.

• Balance Inquiry: Check your available account balance.

• PIN Change: Change your existing debit card PIN for security reasons.

• Cash Deposit: Many ATMs now have cash deposit functionality. You can insert cash directly into the machine to have it credited to your account. (Note: This feature may not be available at all ATMs; look for specific “Cash Deposit” ATMs or check on the locator).

• Fund Transfers: Some ATMs allow for inter-account fund transfers (e.g., from your savings to your fixed deposit account).

Troubleshooting Common Ujjivan ATM Issues

Even the best systems can have hiccups. Here’s what to do if you face a problem at a Ujjivan ATM.

Always remember to take your transaction receipt. It serves as proof and contains vital information like the transaction ID, journal number, and ATM ID, which are crucial for resolving any disputes.

The Future is Digital: Alternatives to Physical ATM Visits

Ujjivan Small Finance Bank, true to its modern approach, offers robust digital banking solutions that can significantly reduce your dependence on physical ATMs.

1. Mobile Banking App: The Ujjivan SFB app allows you to:

   • Transfer Funds: Instantly send money to any bank account in India via IMPS, NEFT, or RTGS.

   • Recharge & Pay Bills: Pay mobile, electricity, DTH, and other bills directly.

   • Virtual Debit Card: For safe online shopping without using your physical card details.

2. Unified Payments Interface (UPI): Link your Ujjivan bank account to any UPI app (like Google Pay, PhonePe, BHIM). This allows you to:

   • Pay merchants directly by scanning a QR code.

   • Send money to friends and family instantly using their UPI ID or mobile number.

   • This is often faster and more convenient than withdrawing cash.

3. NetBanking: Access a full suite of banking services from your desktop or laptop computer.

Embracing these digital methods not only saves you time but also aligns with the national trend towards a cashless economy.

Conclusion: Your Financial Convenience is a Priority

Ujjivan Small Finance Bank has built a accessible and customer-friendly ATM network supported by strong digital channels. Knowing how to efficiently locate a Ujjivan Small Finance Bank ATM, understanding the associated charges and limits, and being prepared to troubleshoot issues empowers you to bank with confidence.

While the physical ATM remains a critical touchpoint, the bank’s investment in digital tools like its mobile app and UPI integration provides you with a powerful arsenal to manage your money on your own terms. The key is to use all these services in harmony—use digital for everyday transactions and the ATM for when you truly need cash.

We hope this ultimate guide has answered all your questions. For the most precise and updated information, always refer to the official Ujjivan Small Finance Bank website.

---

Outbound Links Used (To enhance SEO and provide additional value):

1. Link to RBI’s official website page on ATM charges (or a reputable news article explaining RBI’s guidelines on ATM fees): This adds authority and clarifies that the charges are not arbitrary but regulated. Example Anchor Text: “as per the latest RBI guidelines”

2. Link to the National Payments Corporation of India (NPCI) website page on UPI: Since UPI is a recommended alternative, linking to its governing body adds trust and allows readers to learn more. Example Anchor Text: “Learn more about UPI on the NPCI website”

3. Link to a reputable financial news website (like Economic Times or Moneycontrol) article about the growth of Small Finance Banks in India: This provides context about the sector Ujjivan operates in and adds a layer of journalistic credibility to the post. Example Anchor Text: “the growing role of Small Finance Banks in India’s economy”