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CARE Ratings reaffirmed Ujjivan SFB's 'CARE AA-; Stable' rating and outlook for its ₹500 Cr long-term bank facilities, ₹500 Cr non-convertible debentures, and ₹10,000 Cr fixed deposits. This reflects comfortable capitalization and improving loan book diversification. However, asset quality pressures from micro-banking and moderated profitability remain key monitoring areas for the bank.