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<h1>Ujjivan Small Finance Bank expands branches and has applied for a Universal Banking Licence to broaden services.</h1> Ujjivan Small Finance Bank opened two micro banking-led branches in West Bengal offering group and individual loans as part of a national expansion strategy, accompanied by enhanced digital channels (Ujjivan EZY, Hello Ujjivan, video banking, UPI, IMPS, NEFT, RTGS). The bank reported deposit and loan book growth, higher quarterly disbursements and stable asset quality, and has applied for a Universal Banking Licence.