Shivalik Small Finance Bank

Shivalik Small Finance Bank is a retail-focused financial institution providing a wide range of banking and financial services to underserved and semi-urban segments. The bank focuses on inclusive banking, digital adoption and customized financial solutions to cater to individual customers, small businesses and micro-enterprises.

Core Products & Services

• Savings & Current Accounts: Personal and business accounts with convenient features

• Loans & Advances: Microloans, personal loans, business loans, vehicle loans

• Deposit Products: Fixed deposits, recurring deposits, term deposits

• Digital Banking: Mobile banking, net banking, UPI and debit/credit cards

• Financial Inclusion: Banking services targeting rural and semi-urban customers

Business Model & Revenue Streams

• Interest Income: Earnings from loans and advances (personal, business, microloans)

• Deposit Mobilization: Low-cost funds from customer deposits

• Fee-Based Services: Charges from account maintenance, transactions and digital banking

• Cross-Selling Financial Products: Revenue from insurance, mutual funds and third-party products

• fand Earnings from online banking, UPI and card services