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CRISIL Ratings reaffirmed Ujjivan SFB's Certificate of Deposits at 'CRISIL A1+'. The rated amount reduced to ₹375 Cr from ₹2500 Cr as the bank withdrew a portion. This reflects strong microfinance presence, diversifying assets, adequate capital, and improving profitability. However, retail deposit base and asset quality from modest borrower profiles remain key monitorables.